VTI

StopBitchinStartLivn

Thanks for your outlook, I appreciate it! I allocate $450 AUD / week to diversified ETFs (although rather aggressive). I put 40% into VGT (US index), 40% VTI (US growth tech) and 20% VXUS (international). I’m not sure how great I feel about my allocations but they’re present! Furthermore I allocate $250 AUD / week into my swing trading account. Here I chase (supposed to be in bull markets lol) short-term, highly volatile / high ADR%, momentum or breakout swing trades. So far I have seen awesome returns! I like to believe my risk management here is stable.

StopBitchinStartLivn

Thanks for your outlook, I appreciate it! I allocate $450 AUD / week to diversified ETFs (although rather aggressive). I put 40% into VGT (US index), 40% VTI (US growth tech) and 20% VXUS (international). I’m not sure how great I feel about my allocations but they’re present! Furthermore I allocate $250 AUD / week into my swing trading account. Here I chase (supposed to be in bull markets lol) short-term, highly volatile / high ADR%, momentum or breakout swing trades. So far I have seen awesome returns! I like to believe my risk management here is stable.

anusbarber

when I was going through this exercise i stumbled on this article from Larry Swedroe. SCV hasn't really pulled it weight either the 15 years that followed. I was lucky and began tilting SCV in 2019 and have nothing in SCG outside of whats in VTI. [https://www.cbsnews.com/news/the-black-hole-of-investing/](https://www.cbsnews.com/news/the-black-hole-of-investing/)

peterinjapan

The thing is, these trends come and go, if you listen to people like Paul Merriman, for whom smoke up value is basically a religion, you will expect that they shit out perform in the long run. But clearly that’s not the case unless you’re looking at exactly the right period of time. I do like to understand relative strength, on every chart I look at I’ve got a indicator showing me what this chart/ETF has done against VTI over the past year, so I can understand if the trend is positive or negative and might continue to be even better or even worse. I personally do a lot of swing trading in my site account, so I might take a trade for a couple months if the trend seemed to be good, for example IWC: SPY or IWM: SPY. But if the trend went against me, I would try to get out, in that particular type of investing situation.

Poly_ptero_dactyl

You won’t catch me arguing that Trump isn’t the most selfish and evil president of my time. Or maybe ever. But I disagree that the financial fallout for US markets will exceed 2008. And I have placed my money where my mouth is in that regard. 35% VXUS, 65% VTI. Hedged with rental real estate and some govt treasuries. You are of course welcome to do as you see fit with your own investments. I would not recommend going 100% into Congolese stocks.

Emotional-Power-7242

There's a strong argument for AVUV but you need to be prepared to hold it for 30 years. Historically small cap value has had higher returns than the overall market over most long periods of time but it does it by underperforming for 10+ year periods and then having a really good year. We're currently in a 20 year period of small cap value recieving lower returns than the S&P 500. Market mechanics dictate that it should eventually reverse the trend and get higher returns, but if you had just held it for 10 years and then sold you would have locked in massive underperformance. You need to think really hard about AVUV and read the literature and really understand why you're doing it, and the fact that you're asking this question shows thet you don't fully understand it currently. There's nothing wrong with getting 10% or so small blend for diversification, because if you buy VOO you are excluding small caps, so you're just adding them back in. VTI is basically VOO + 13% mid caps + 7% small caps.

Ground_Hog_Day_FML

VTI, VXUS, VT. Sorry, if you don’t know the basics by now, I wouldn't trust your “technical analysis” skills for day trading. First, learn the basic concepts of investing versus gambling. Extra points if you can learn which category day trading falls into.

ayomsb

Doesn’t beat VOO or VTI over time. 

m9hrdad

The thing is with cyber security companies, one breach and they take forever to recover. The MER is 0.6% which might be higher than broad market etfs like VOO and VTI, but it's right on par with thematic ETFs. Youre paying for insurance, at least that's the way I look at it. Also these cyber security companies work on several layers within the tech stack. You're capturing everything in one etf as opposed to single companies. I do believe HACK will do really well in the long term. Cyber is only getting more and more relevant with the amount of data being consumed.

PretendSkill2055

I like that idea because it keeps investing simple. VTI gives broad exposure, and patience protects you from emotional mistakes. It may sound boring, but boring is often what actually works long term.

kaws510

I'm not trying to pick stocks to beat the sp500, I'm trying to find out if the stocks my plan limits me to are worse/better performers than VOO/VTI. My plan limits me to a limited number of stocks. Utilizing brokerage link I can invest instead in VOO (for example) instead of what my plan limits me to. My plan doesn't allow me to invest in VOO. I can invest in VOO if I decide to utilize brokerage link and jump thru a few steps.

kaws510

ignoring the retirement question, how can I tell if the stocks my plan limits me to are better than VOO/VTI, etc? With the stocks I can choose from, I can see their Average annual total return and Cumulative Total Returns. Do I then google VTI and see what the Average annual total return and Cumulative Total Return is for the last 5 years and compare? I'm trying to figure out if the stocks my plan limits me to are better/worse performers than the options for brokerage link. Brokerage link allows me to almost invest in any stock I want.

God_I_Love_Men

What I've learned from this sub: any subtle dip is a massive event that requires selling your entire portfolio because "it's different this time". Or you could consider an annual, monthly, quarterly, etc. Investment into to VOO, VTI, or a combo of VTI/VXUS for 30+ years amd retire worh more money.

robbel

I’d highly suggest using that money you’d invest into VTI/VOO to acquire precious metals. Just to give you a why, I bought gold in January 2025 for around $2650/ozt. Today, a year later, gold is at $4950/ozt, or a 87% increase. You’ll never find returns like that anywhere else. Silver was ~$29/ozt in January 2025, and today is hovering 30¢ shy of $100/ozt.

retrorays

Yah or buy VT or VTI

uwastemytime

Good lord. Where to start.... If you are a newb, why are you putting on what appears to be almost 50 positions across the board? I am guessing it is actually more than 50 since it looks like some of these may be just shares. Do you even understand how much risk you have on? We don't since you never say whether these are long or short contracts or offer any quantities. I am also guessing that you don't understand the high yield etfs you are trading either. You realize that dividends are pretty much priced in on any option contracts? Advice - Just buy VTI.

BarefootMarauder

I buy total market index funds and go on about my business. If you look at something like VTI & VXUS, performance is about the same or better than what you achieved.

Waste_Scarcity4685

In order to balance out my gambling addiction, I’m also doing a boring boomer strat: every Monday, I buy 2 VOO and 5 VTI. Been doing that for 4 months, and that part of my port is outperforming my options plays. There is probably a lesson to be learned here, but I don’t care.

zeppo_shemp

>But some of these ETFs claim to have "the top 100 global companies", but then something like Exxon Mobil will be in the top 10, when it's really more like #20, well, those numbers float around a bit over time. so the percentages and ranking today could be very different from next year, or from 4 years in the past. even for the same index ETF. check out the top S&P 500 stocks from the year 2000, for example. https://www.finhacker.cz/en/top-20-sp-500-companies-by-market-cap/#2000 and it depends on how the stocks are ranked. for example, the top 5 stocks US stocks in VTI are ranked by 'market capitalization' and as of today are: - Nvidia - Apple - Microsoft - Amazon - Google/Alphabet But RWL from Invesco ranks larger company US stocks by their revenue, or gross income. And the top 5 are very different: - WalMart - Amazon - United Health - CVS Health - McKesson Corp if you ranked stocks by other metrics, such as total dollar amount of dividends paid out to shareholders, the list would also be very different.

isufud

So glad I traded my BRKB for VTI back when reddit was sure the stock market was going to implode.

Outrageous_Tip_2133

The most boring advice is to just DCA (Dollar Cost Average),i.e. buy a fixed amount every week/bi-weekly/monthly regardless of where the market is going. That way you don't miss any dips and you avoid buying everything at the top. I have run simulations of DCA from 1990 though now for different 10 year periods using VOO, VUG, VTI, QQQ, etc and it is proven to work so far for any 10 year period. Past performance doesn't guarantee future returns but I think for a retail investor without too much capital, no inside knowledge, and no advanced trading algorithms and tools, this is the best strategy.

Mobile-Bar7732

>If you don't like it's you don't need to invest into it. Nobody force you to buy TSLA. When TSLA is part of every major index people are forced to own it. QQQ - TSLA 3.97% SPY - TSLA 2.16% VTI - TSLA 1.94%

Hooked__On__Chronics

To be fair, since the trough on Apr 8 2025: VTI: +40% IAU: +64% GDX: +154%

LightForceUnlimited

I don't understand the question. Are you asking if you already own VTI or VOO do you need to rebalance with just VT?

jackfromjacknjill

Do you have to go back in & change up with VTI or VOO? I didn’t think so

Cruian

VOO is fully included inside VTI, I'd drop VOO. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 (possibly even more with VTI). Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. Then you say you don't want to be over dependent on tech: VTI and VOO from memory are around 30% tech, QQQ(M) around 50%, and that's not including the companies you may consider tech but the market classifies elsewhere (Alphabet/Google, Meta/Facebook, Amazon, Tesla as 4 huge examples). VTI + VXUS alone give you essentially total world coverage. Common current recommendations I've seen tend to be 30-40% of stock be international, so you're a bit light on the VXUS.

Immediate-Run-7085

You said you don’t want to focus on tech but the top 7 companies of VTI/voo is….all tech and they make up ~30% of the fund. Then you want to add qqq which is…mostly tech

ResponsibilityNo8415

I was debating dropping VOO for 70% VTI. I dont see why id completely dump VXUS. And QQQ is mostly just for the high potential growth without volatility

Immediate-Run-7085

Makes no sense. Do you know how much VTI and voo overlap? And you’re adding in qqq? >not overdepedent on tech What? Shows you have no idea what you’re doing and just naming tickers you see here

wanmoar

Probs the same thing as what caused me to liquidate my VTI and TLD positions

obidamnkenobi

Why S&P over VTI? Why own 500 stocks when you could own 3000?

__redruM

Passive index fund investing. At a risk level you’re comfortable with. VT to VTI to VOO to QQQ to SMH. But from each paycheck and hold for long periods, decades even.

wanmoar

Sold off my entire VTI position, 25% of my QQQ position. Rotated into Canadian, European, and Japanese tickers. Listed ex-US to also remove any USD exposure on those positions

Fubbalicious

Read “The Simple Path to Wealth” by JL Collins. It will change your relationship with money. It’s basically a how to guide to the /r/FIRE movement (financial independence, retire early). At 38, you have time to recover. Just keep saving and investing 15% (ideally 20%) of your income and invest in broad market index funds or ETFs. You can do the VOO or VTI and chill or if you want international exposure you can add VXUS or go completely VT and have both US and international in one ETF. A 15% rate of saving over 25 years should get you to 10x your gross income if we assume an inflation adjusted 7% ROI—this assumes 10% average growth less 3% inflation. With 10x your income saved plus social security and hopefully no debt and a paid or mostly paid off house, you’ll have a very nice retirement. If you’re a high income earner, you can accelerate this process or have a fatter retirement. What I like with index investing is you buy when the market is up or the market is down. You just keep buying and holding and ignore the noise and keep investing because it will take 20+ years before you’ve accumulated enough. Don’t get tempted to try to play catch-up. Bogleheads style index investing works as I and many others are proof of it. It’s not sexy and will get boring, but then you can use your energy towards creative endeavors versus chasing the thrill on individual stock investing.

b1gb0n312

I lost 200k about 10yrs ago, had 100k left in net worth .it took a decade of maxing out savings(probably avg 60k a year) and investments (mainly VTI) to get up to 1.9m now

ShortHabit606

Cheap, Highly Diversified Funds. Do not sell. VTI + VXUS + VGIT Focus on making more money to shovel into the bucket rather than rearranging what's already in the bucket. That's it. That's the secret.

jarchack

VTI, patience and some gold on the side

benhurensohn

This reads really weird. Are you a bot? My trading secret: invest in VTI and VXUS.

Swiftstrike4

I’d probably put 50% in VOO or VTI on the next big dip, 25% in TSMC 10% in in KO or Disney or some stable bank stock and the remainder in Draftkings or Sofi or Hood as my fuck around money.

MstrVc

VTI+VXUS in a ratio that makes sense taking your other investments into account.

spectralEntropy

I always buy limits during this administration. I'm normally a VSTSAX and chill kind of person (or VTI in this case), but I've been setting up loads of limits. Unfortunately I missed the 1st big one in March even though I track it in real time. I'm ready now. 

Maggins

I would only ever recommend a family member have a portfolio of VOO/VTI and VXUS or just VT. As long as they don’t panic sell, that portfolio will grow. You don’t want to be responsible for them losing money if you’re wrong. Even if you make the right picks in this moment, do you want to be responsible for managing their portfolio forever?

OGS_7619

When you TLH you defer taxes and are lowering your basis, from $20K down to $15K, using your example below. If now you hold on to that investment for a while and don't liquidate, say for 10 years, you get the benefit of tax deferral over that time, but eventually when you liquidate you pay the capital gains, including on $5K that you lowered it by, but it's in future dollars, and the money you saved compounded by then. But if you liquidate it say a year later, even if there is growth - say your $15K in VTI is now worth $25K, you liquidate it all and pay gains on $10K instead of $5K you would have paid if you didn't do TLH, you deferred the taxes only for 1 year. In other words, you harvested $5K in losses in year 1, saving yourself $1K in taxes (assuming 20% rate), but then in year 2 you paid taxes on $15K, resulting in $3K in taxes, so overall you still paid $2K in capital gains taxes, the same if you had not TLH, and just allow your $20K investment grow to $25K. (You may have actually paid more in reality due to difference between Short-term and Long-term capital gains, but lets assume it's the same rate and its all either STCG or LTCG) The only real potential "savings" is from the compounding/depreciation that extra $1,000 in your pocket gave you over 1 year period, which at 10% is about $100 or so, if you are lucky (as if you borrowed $1K from IRS, interest free but repaid it in 1 year). Had you held it for 10 years, the difference would have been more dramatic.

cherub_daemon

No universal answer to that, it depends on your conviction about what you're in now vs. what you want to be in. If you're convinced that VTI will beat what you're in now going forward, and you're extremely sure, sell. Don't let taxes wag the dog. If you want to sell slightly less, you could make a "synthetic" VTI by selling a fraction of your Big Tech holdings to buy mid cap and small cap indices. The argument here is that the large cap part of VTI is relatively well captured by your individual stocks, and you buy the indices for the rest of it. Then put your new money into VTI. If you want to sell even less, put new money into the small and mid caps to build the synthetic index, and only once you've built that does new money go to VTI. The synthetic VTI won't track perfectly, because while a decent fraction of the large cap index is captured by your holdings and other stocks correlated with them, it's not perfect. But if you're convinced your stocks are going to go down, and losing any of those gains is going to wound your soul, just sell, and buy VTI. (I'd actually argue for VT, but that's a whole other thing.)

Crunchygranolabro

I mean why make it complicated? VOO, VTI, any other broad market fund…Sure there’s probably particular sectors/companies that feel an EU trade war more than a china trade war, but his threats affect the whole market.

Original_Mango9316

I personnally reduced my exposition to US market to 20% from 50%. I would also recommend to look for alternatives to QUU or VTI that doesnt support MA-GA or republicans interests like ESGU, NULG or PRBLX.

Mobile-Bar7732

VCN -Vanguard FTSE Canada All Cap Index ETF up 28% in last year VIU - Vanguard FTSE Developed All Cap ex North America Index ETF up 27% If I held onto VTI it's only up 13% over the same period.

Original_Mango9316

I would recommend avoiding funds like QUU or VTI that supports MA-GA or republicans interests. You might consider alternatives like ESGU, NULG or PRBLX instead.

Original_Mango9316

Personnally, I reduced my USA exposure to around 20% from 50%.  I also recommend looking out for alternatives to QUU and VTI that are not supporting MAGA or GOP interests like ESGU, NULG or PRBLX.

LanceX2

man. wantes to buy a VTI yesterday. oh well. Need to beef my EF anyways

RealHornblower

You always have to keep in mind that the US is still severely underperforming international stocks. VXUS: Up 30% over the last year, up 3% YTD. VTI: Up 14% over the last year, up 1% YTD. The baseline should not be 0%, with anything above that being considered good. US performance should be compared to the performance of other countries, if we want to determine how successful our current policies are. And of course, insert standard "the stock market is not the economy, job growth is down, inflation is up, etc" disclaimer.

TrappedInATardis

I'm doing my part. Offloaded all my VOO and VTI. Good riddance.

HornAlum

I would second this advice. When I started out, i put most of my shares into many of the Vanguard ETF's, like VTI, VIOG, MGK, VV, smaller amounts into VXUS. Have seen 30%+ returns on a lot of the Vanguard ETF's in the last 5 years. 15% on the low end. As I got a little bit more experience and started reading this sub, put a lil bit into stuff like NVDA, RKLB, UBER, INTC, etc. Another one that has served me well is OMF (about 30% returns there).

drew-gen-x

If you are 58 you should absolutely move some of your wealth from stocks into bonds. Now how much is up to you. I've never been a fan of 100% equities. Even the youngest individuals should have some allocation to Gold & US Treasuries. Especially when 50% of the S&P 500 is concentrated into 7 Big Tech names. You should remember Dot Com? I would move 10% now and DCA into US Treasuries and buy any dip into Gold. Now are your stock positions 100% US equities? A global stock fund like $VTI is much more diverse than $SPY. We are coming off nearly 20 years where US stocks have outperformed global stocks. That is an almost unprecedented outperformance historically.

Additional-Pop9444

If this is long-term money, I’d treat it like a portfolio decision, not a stock pick. VTI already gives you massive diversification across the U.S., so adding more to that is never a bad base. I’d personally make that the core. Then I’d ask: Do I want international exposure? If yes, VXUS makes sense as a complement to VTI. Do I want high-risk / high-reward? That’s where something like ASTS fits — but as a satellite, not the core. A simple structure could look like: 60–70% VTI 20–30% VXUS 5–10% ASTS (or other high-conviction ideas) That way you’re not betting the whole $30k on one outcome, but you still leave room for upside. Also, if you’re worried about timing, you can always DCA the $30k in over a few weeks/months instead of going all in at once.

hartzdaddy

I agree with you, tread lightly on Reddit.. although it’s not always too late, i looked at ASTS last summer after 150% run up & steered clear, it’s gone up a lot since then. Truly depends if you are a gambler or an investor. Personally, i stick to VTI/VXUS & allocate 10% for speculation. You still have to practice discipline, DD & patience.

SnS2500

1 year: VXUS +33%, VTI +17%. 10 years: VXUS +147%, VTI +302% They are very different. Don't just wave your arms and think this is a minor difference, but also even if you are thinking longterm don't think you are locking in your choice now for 40 years. Decide what you want now, then reevaluate in the future, especially when adding more money to your holdings.

DudeWithParrot

One year which is the timespan the post is referring to... And yes. About 38% VXUS, 4% EUAD, 50% VTI, 8% individual picks. I was 100% domestic and moved a good chunk at the beginning of 2025. My point is not even that the US will do worse, but that mocking people diversifying is an odd thing to do.

Just-Here2-Learn

I'm sorry I didn't remember saying you were a democrat? Honestly I didn't vote this election because I didn't like either of their policies, but I clearly see the guy says things just to warrant getting his way or a response. As I said last night he will not evade greenland he is just talking out his ass. He literally made the announcement this morning he wouldn't evade..now look at the markets? Going back up, everyone freaked out yesterday for no reason. I'm glad I bought, VTI and VXUS end of the day yesterday..Steak dinner on me tonight

LanceX2

Best advice is dont sell ETFs like VOO VTI VGT but maybe store extra cash for -5% and -10% dips. Thats what I did in 2022 and worked great

GMVexst

It would be helpful for you to put your money in VTI and stop thinking because you're obviously emotional and not of sound mind.

atticwife

Should I sell my Roth IRA positions in VTI and go all in on Netflix? $10,000.

ucbcawt

VXUS has 4% div payouts and outperformed VTI last year. With the continued destruction of the US dollar it makes sense to load up even more VXUS this year

TheTubbyOlive

I’m an American, but with international roots and family all over the world… and I share some of your sentiment. US market has seemed inflated and the geopolitical landscape the current administration has created has caused a lot of uncertainty about foreign relations, investments, and security of the US dollar. The US dollar and economy has long been the gold standard for international trade and investments. That’s still true and I never thought in my life that would change. I now do see a possible recent future where that may not be the case. In America, many are very shielded through the media they consume to the reality of international politics. Unless you particularly seek out views from around the world. Long story short - I’m not selling any of my American stocks. But I haven’t bought any more American stocks or VTI over the last year. Instead I’m buying international, bitcoin, and gold. I’m hoping in a few years I’ll feel confident to dip back into primarily American. And there’s nothing wrong with investing with what you think morally. I don’t invest in companies I think actively contribute to others’ suffering (palantir, Blackrock, and so on). But you can make those arguments about many companies. Do what sits well with you.

Rich_Foamy_Flan

I’m going to play devils advocate here… “great buy opportunity”… SPX dropped 2.1%. VTI a little less, naturally. I feel that in a reasonable market, if 20% decline is the official “bear territory” then a 5% is an okay buy, 10% is a good buy, 15% would be a great buy, and 20% your seeking for dry powder anywhere you can find it…. I feel like if we find the masses calling these (albeit large) red days “great buying opportunities” then people are going to absolutely lose it when a truly great opportunity comes (ie healthy 15 to 20% pullback, black swan, etc). TLDR; I am getting nervous that a normal red day after a bit of macro economic uncertainty hit the news cycle (a completely natural reason for a big red day) is considered a “great buying opportunity” instead of just a day in the market that is only marginal better than the buying opportunity that existed two days ago.

Sagelllini

[I wrote about investing in 2025 here.](https://www.reddit.com/r/Bogleheads/comments/1pdlssz/the_latest_morningstar_report_shows_how_to_invest/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button) You are 30. You should be 100% stocks. Period. Buy broad market total index funds/ETFs. My recommendation is 80/20 VTI/VXUS. Those--or funds/ETFs similar to those are really all you need.

AnselmoHatesFascists

Bought 15 shares of VTI twice. Once mid morning (PST) when it was down a bit, and then later late morning when it dropped again. For anything I'm planning to hold 20+ years, felt very comfortable.

GregorSamsanite

It's always been a good idea in theory to diversify with different countries. In recent history it's been punishing to hold non-US stocks given the US returns, but that hasn't always been the case in every window of time, and it isn't likely to always be the case in the future. It's best not to pay too much attention to the news, even when it seems obviously bad, but some diversification would be good regardless of the headlines. VT is a good option that's around 60% something percent US and 40% non-US stocks. It's equivalent to buying VTI + VXUS, and buying those two separately is also a popular option which gives you a little more flexibility on the ratio and slightly lower expense ratios. VTI is mostly the same thing as VOO, but it includes some small to medium cap stocks, not exclusively large caps, so it's slightly less heavily concentrated in Big Tech, though not by much.

OGS_7619

exactly. OP - you harvested $5K loss, so deferred $1K in taxes (assuming 20% tax rate), while losing $5K of your $20K cash due to the investment. You are still down $4K. And if your VTI grows over time, and you sell it at some point, you will end up paying that $1K in taxes anyways, since your basis is now $15K instead of $20K if your VOO never crashed.

NaiveChoiceMaker

>So there will be more tax to pay at a later time if/when you eventually sell that VTI position. This strategy makes sense if you think you'll sell at a lower tax bracket.

therealjerseytom

That's totally reasonable. Though there is an element of short and long term trade off. Like let's say VOO and VTI continue to track very similarly as they've tended to. When you sell the $20k of VOO when it drops to $15k so you can harvest the loss, buying back in to VTI effectively gives you a lower cost basis on "the same" investment. So there will be more tax to pay at a later time if/when you eventually sell that VTI position.

Glum-Mortgage-1616

VOO to VTI is not wash sale

DirtbikeForLife

Great post. I invest in VTI and VXUS. My cash sits in SGOV. Moving $7k into VTI tomorrow and $3k into VXUS. Dollar cost average on big dips and moving on. :)

ubelblatt

So far in my experience VXUS has been "close" to VTI in terms of performance. So for example today VTI is down 1.97%, and VXUS is down 1.16% Obviously you would do better with VXUS on a day like today but on green days it tends to follow similarly. I haven't felt like my VXUS investment is helping to hedge my VTI investment if that makes sense.

Emotional-Power-7242

VT doesn't need to audit weights or rebalance because it buys every stock in the entire market at market cap weight. So the weights in VT naturally follow their weight in the market. Say Nvidia is 10% of the global market, you put money in VT, VT would spend 10% of that money on Nvidia. Then the price of Nvidia doubles. It is now 20% of the global market. Because the price of the Nvidia in VT abought also doubled, it naturally is now also 20% of VT without VT needing to rebalance or do anything. If you bought VTI and VXUS at market cap weights you also would never need to rebalance, they would grow or shrink proportionally in your portfolio. You would only need to adjust your contributions to match the cap weights. And VT changes it's contributions to match cap weight every day when it has inflows or outflows. How to view trends is go to anywhere with charts and add both VTI for US and VXUS for international to the chart. This will only allow you to go back to inception of the funds. Some places will let you chart "total US market" and "total international market" as asset classes going back 100 years or more, they do their best to construct the indexes from available historical data even though there wasn't an actual index to track going that far back. I like using Portfolio Visualizer for this sort of thing. Honestly I check US/International cao weights by just seeing what they are in VT. VT is very accurate. But if you wanted you could look at a different index like MSCI World. It'll be the same though.

the-real-batman3

I put 70k into VTI 2 days ago most of my excess cash talk about worst timing

shane1955

Here are a few things to consider: Step 1: Define Your Investment Policy (IPS) Before buying anything, answer these questions: \-Time Horizon: When do I need this money? (5, 10, 20+ years) \- Risk Tolerance: Can I stomach a 30% drop without panic selling? \-Goals: Retirement? House down payment? Financial independence? For your first year or two: Simple Three Funds    Fund                            Allocation         Purpose Total US Stock (VTI)              60%      US market exposure Total International (VXUS)     25%      Global diversification Total Bond (BND)                   15%     Stability Then make your portfolio in your own style, every investor is different. Best of Luck!

LordSnarfington

You chose an excellent time if you have a long time horizon. I would buy broad bases indexes; VOO is by far the top recommendation you will get on Reddit and it's a good one. Statistically you are better off putting all you have in at one time, today is a good day as the index was down as much as 2% today which is historically a good time to enter. If you're not comfortable with VOO which tracks the S&P500 you could go with VTI as well.

DirtbikeForLife

I’m adding $10k to VTI.

Maleficent_Spare3094

One additional note to this. Yes S&P is a really good broad index fund. But it is majority based US tech stocks specifically the mag 7. So for even more diversity look into other broader index funds like VTI and VXUS. But yes index funds 100% is the way to go.

Mobile-Bar7732

I did too. Also, had a very big allocation of VTI - US Total Market etf. I'm have Canada/World etfs now.

EfficientSnow2394

Hi everyone, I'm 19 and new to investing my own money, but not completely unknowledgeable on the topic. I'm looking to make my first contribution of $7000 for a 2025 Contribution to a new Roth IRA account on Fidelity, and this is going to be my first ever investment. Right now, I'm looking to do a 70, 30 split into a US fund and an international fund, respectively. I had a few questions, though: * Since I am doing it in Fidelity, I have the options for Fidelity mutual funds (FXAIX and FTIHX). What is the interest and difference between investing in these vs doing an ETF like VTI/VOO and VXUS? If I want to switch brokers at any point (for whatever reason, but probably not that likely), is there any downside to just investing in ETFs in Fidelity (fees/costs, transferability, etc)? * Considering the events going on in the world (Greenland, Iran, Syria, etc), is now even a good time to invest, or is it possible the market could go down in a few weeks or so with these events and be a better time to throw my money in? * I could DCA if that helps, but I understand that because I'm young the market will probably bounce back and not matter too much * Is it easier to set up automatic monthly investing with the Mutual Funds or the ETFs? I don't want to have to log in constantly to place trades. * How easy is it to rebalance my 70/30 split or even my investment strategy within a Roth IRA? Would appreciate any help on this. Thank you again!

Phandomtrigger

So VTI calls?

KroKart100

VTI stop playing options

Aviation_Space_2003

Yeah, I would do VTI !!

Justzyn_Jefferzyn

Added MSFT, AMZN, VTI, and will add more if this week dips further 🤑 

Musashi_13

I would not do anything.  However, if you feel the need to do something, you could exchange any shares of VOO with losses in a taxable account to either VV or VTI, and use the tax-loss to offset income on your tax return next year.  Otherwise, relax and stay focused on your daily life.  Best of luck to you. 

Panthollow

Looking at my investments I apparently prefer the needlessly complicated route of buying VTI/VXUS separately but still approximately mirroring VT. 

rjbarn

As someone who hit +50% on the year by timing liberation day, this is an excellent buying opportunity if you have cash. VOO/VTI buys DCA over the next few days will play well

WildTadpole

I want the market to crash and stagnant for 30 years just to fuck over the VTI and chill retards tbh

ordle

I'd put it in VOO or VTI and forget about it for 20 years.

AdmirableLead6134

VT or 75% VTI/25% VXUS. Essentially identical but VT has a 0.06% expense ratio while VTI and VOO have 0.05% and 0.03% respectively. Basically no difference. Pretty sure I read that even if you lump sum invested at an all time high and the stock market crashed right after, if you hold long long term you'll beat out dollar cost averaging because time in the market beats timing the market. Before all that make sure you max out your HSA and IRA contributions for the year ($4400 and $7500 respectively), tax savings are no joke, you can do 100% VT or 75%VTI/25%VXUS in those as well. Max out 401k match before that also

Jihelu

Getting back into options trading, I used to do a lot more (Credit/Debit spreads mostly, some condors/butterflies, etc) but was mostly doing it in stupid ways (Lots of earning plays. Made a lot of money, like 30% or more in a month, then got wiped because the numbers numbered in the wrong direction. Oops) Anyway I haven't done anything in really 5+ years and I've just started getting back into it. My personal risk tolerance and outlook has changed a lot, my goals seem to be a lot more "I want to do options" BUT "I want my worse case scenario to be a bag hold" That leaves me things like covered calls, jade lizards, a few other things. I had the idea of basically doing an earnings play on stocks I actively hold where I sell iron condors on them and if it moves in either direction to just be fine with it, so if a stock went down instead of my put credit spread being a loss I just sell the long for a profit and buy more shares, if it goes up I just sell the long and let the shares get called away. The optimal situation here is it stays neutral, or only slightly bear/bullish, and I collect all the premiums (Losing a bit of possible profit due to the longs) Am I over thinking anything here? I guess if I was confident things would be neutral I could cut out the middle man and just leave off the longs but then I lose some hedge. I use RH so I don't pay per legs, I just have awful fills instead (Yippee) Anyone have thoughts on this or other option strategies? I guess wheeling is probably a good idea for me (I usually hate starting with the put side of things, I'd rather roll a call out and up to follow a rising stock than sell a put and have the stock moon right after. I usually /want/ to own an underlying access, not use my cash to make money) Right now, barring that idea, I've been just buying things I intend on going long in. KO, VTI, VT, trying to get out of a position in NOK but still holding it (I'm up on it though), thinking of getting back into F. The Condor idea was mostly meant for earnings to take advantage of the higher volatility but I wonder if there's a use for it in other stocks that trade slowly/stay stagnant (KO/F/Some others), the call side of things especially as I tend to have more shares on hand than liquid cash.

Business-Ad-5344

if you want to start out simply, you can just research VOO, VT, and VTI. pick one and buy that one in your account. then look at your positions, and it will tell you how many shares you own. then that's it for now. you can then research bonds and stuff later and see if you want to add that to your portfolio. hold forever and don't sell if it goes down. other than that, get a HYSA (high yield savings account) and attempt to save up several months worth of rent, for emergencies. pay down your credit card. if you withdraw from retirement accounts, it gets taxed and there is a penalty you are charged. remember those things. don't withdraw unless you absolutely have to.

Zoriontsu

It happened before, and all indications point to it happening again. Just look at the outflow of capital from US equities. Compare the last 6 months return between VTI (Total Stock Market Index Fund - 99.4% US) and VXUS (International Stock Index Fund)

Aggressive_Finish798

If you're in index funds, look into Tax Gain Harvesting. If we dip a significant amount you can sell say VOO and immediately buy VTI and get credit for TGH. There more nuance than that, but you'd have to do your own research.

zeppo_shemp

my guess is the bonds and the international stocks are boosting yield, and DJIA also has a higher dividend yield than the S&P 500 at about 1.6% vs. 1.1%. international stocks typically pay higher dividends than US stocks. for VXUS vs. VTI, the dividend yield is about 3% vs. 1.1%. what type of bond fund(s)? an aggregate bond fund has a yield in the ~4% range, and yield might be higher from long-term bonds or lower-grade bonds.

CurveFront7807

The world doesn’t buy our tech and services because they like our president. They buy it because it gives them meaningful value. That trend is not slowing down, it’s increasing. The company I work for a global company with 70% US employees. We have had a huge boom from AI. That is the real trend. The president of the USA is noise. Buy VTI.

CurveFront7807

As much as the news cycle can make you feel that the president has the ability to drastically affect the world economy - I contend that he does not. The stock market is completely agnostic as to which party’s president is in power. Donald Trump has done things that have angered some allies and pleased others. Even within the EU there are countries with right leaning political groups in power that are more friendly with Trump while the ones on the left are screaming bloody murder. Also most of the largest companies in the world are multinationals, we have millions of relationships forged between Americans and Europeans at the business level that are mutually beneficial, long term and will be completely unaffected by Trumps policies. At the end of the day the right move is to keep buying the US stock market. It has a history of producing results for over 100 years including much much much more tumultuous times then these. Trump’s bombastic statements are nothing compared to the entire world economy grinding to a halt (Covid) or the housing/banking sector’s complete collapse (2008) or the countless wars the US has been embroiled in over the last 50-100 years. At the end of the day, buy and hold has been the best strategy and will likely continue to be the best strategy. TLDR: keep ur politics for the ballot box. When it comes to ur finances: buy and hold VTI forever.

kinetic_honda

Ok, I guess I'll wish you the best of luck divesting away from the US for the foreseeable future. I'll continue to throw money into my VTI + VXUS in regular intervals. Maybe in the future I might think back and say - "hey, sithlord98 was absolutely right for divesting away from the US." Only time will tell