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
Im thinking like 40% QQQ 10% SMH, and then 50% 5-10 individual growth stocks Would something like this be a good split? I do VOO VTI and VXUS in my roth and 401k from work accounts
If it were me I'd sell everything in individual stocks and then split it between $VTI (20%), $VOO (55%), and $VXUS(25%) and then have them turn on. "DRIP" for those funds. Forget about it... Come back in 20 years. $VTI and $VOO are nearly identical but you get some limited small and medium cap exposure. If you don't believe in US stability (this administration is devaluing the dollar and seems questionable on a lot of their economic choices on the world stage). You could flip the sizing of $VOO with $VXUS and go 55% into VXUS... or some other allocation. $VOO has been a consistent performer though.
80/20 is good 8-10 years out so long as you are confident you’ll retire on your terms. I was 70/30 when I was 8–10 years out. Retired 5 years ago at 50. (Now 65/35). I didn’t have anything but VTI, VXUS and investment grade bond then, and it’s still true today. I have no interest in making bets on stocks or sectors.
First off, don't feel guilty. Most 12-year-olds find the stock market dull! The best way to honor your grandmother’s gift is to protect it. Having 50% of your net worth in a single, volatile stock like Tesla is objectively risky. Since this was a joint account/inheritance, you should check if you received a 'step-up in basis,' which might allow you to sell those shares with little to no capital gains tax. Asmart move would be to gradually sell down the Tesla position and move the funds into a broad market index fund (like VTI or VOO). You don't need to be an expert or a researcher, you just need to transition from 'gambling on one company' to 'owning the whole market.' It turns a stressful portfolio into a peaceful one.
Hi, all. I'm a 51M from the US. I am reallocating my portfolio (mainly to simplify and minimize fees/expenses) with an \~8 year horizon to retirement. I'm getting on the simple low expense ratio VTI/VXUS/BND ETF bandwagon with a 50/20/30 split. However, I'm wondering if I should split the BND portion into BND/BNDX/VTG to increase the government percentage (less corporate) and foreign market exposure. I know that there is a lot of debate over investing into bonds at all. Please give me your advice/suggestions concerning that I do want to invest into bonds as a portion of my portfolio. Also, percentage suggestions are welcome too. Thanks!
That alone is enough to retire wealthy on if you buy something like VTI and hide the password from yourself for 25 years. Make sure and turn on DRIP before you log out forever.
I am not a broker, nor an expert in the market. If I were you now, I would open a vanguard account and put money in VUG, VTV and VTI. Vanguard Growth ETF, Vanguard Value and Vanguard Total Stock Market. At your age (I'm in my late 50s) I would put most in VUG which is a growth ETF (Exchange traded fund), the second most in VTV and lastly the VTI. Just let it sit, pretend you never had it. Work hard, work long and that money will make it possible for you to retire early if you want, Each year, sell some off and put $8,000 into a ROTH IRA via Vanguard also. When that is available to you, it will be tax free regardless of growth. I wish you the best!
Go look at US vs international stocks. VXUS is up almost double what VTI is. The rest of the world is crushing us. Our numbers only look good in a vacuum and when you ignore what we've done to the dollar.
Sorry for your loss. She must’ve been pretty damn cool if she put money in Tesla. It’s challenging for anyone to know what to do with 1. A lump sum of cash and 2. An overweight portfolio in one company. I think the best way is to think about what you would do normally with 120k while also being wary of taxes. I absolutely hate paying unnecessary taxes even if it means rebalancing into something safer. If 60k is in Tesla, what is the other 60k in? Is anything at a loss you could sell to tax harvest (and balance out with selling Tesla for gains)? My initial suggestion is to: 1. Continue investing yourself into a broad ETF like VT, VTI / VXUS, VOO etc. To honor her put some money aside each month and automate invest it into a broad ETF and never sell. You’ll look back in 5 years and see it as the best decision. 2. Sell a portion of Tesla but this depends on cost basis. If she got in super early and you’re paying gains in the thousands, I’m not really sure I’d do that yet. 3. For the other 60k hopefully it’s diversified, then you’re not in the worst shape or overallocation. I def think keeping like $10k in Tesla is a nice gesture especially if it really runs even more, that would be dope.
Second VTI and VXUS for taxable brokerage for the lower expense ratio and foreign tax credit.
Divest the Tesla stock to a much smaller position like 10% of your portfolio max. Do this over a period of time, like 6 months to a year. Put that money back into boring index funds like VOO or VTI. Sit back, don’t touch it, pretend you don’t have it and you’ll be a multimillionaire when you retire. The older version of you will thank the younger version.
First off, sorry for your loss. Not an accountant or advisor, but if you don’t want to mess with it close the positions and put 75% in VOO and 25% in VTI. Don’t skip class, stay out of trouble and revisit this every couple years. Add to it every opportunity you can. Retire young. Congrats, you had an awesome grandmother.
My advice would be not to spend any of it. You are very young and even without adding any more money to it, it could turn into a substantial fortune for you near your retirement years. In fact, you could even retire much earlier than the standard retirement age if you invest it correctly. If I were you, I'd put most or all of it into an index fund that tracks the S&P 500. This will help you diversify without having to pick your own stocks. Depending upon witch company your funds are held with you may have some different options. Fidelity offers their FXAIX, Schwab offers their SWTSX, JP Morgan offers their JPUS, etc. Without getting into too much detail, these funds are very similar in the companies they hold, are diversified, US focused, and have low costs or expense ratios and are perfect for parking your money into for decades of low risk growth with little or no involvement. You can also choose a Vanguard fund such as VOO or VTI which should be available through most investment companies which offer similar holdings and expense ratios. Good luck, youngster.
Look into either VT, or VTI plus VXUS in your taxable brokerage. Get rid of those individual stocks. Let it compound.
The healthiest portfolio is one that is diversified across the markets. S&P 500 is great for US market coverage but misses mid and small cap stocks, however that’s not a major deal from a historical performance perspective. The index was designed to be a representation of the full market anyway, and does a good job of that even if something like VTI now’s lets you own the whole US market. All you need is some total international market coverage (VXUS or the like) and you are good to go. 60/40 US/International is the current market weighted balance. Remember that the name of the game for investing is holding long-term in stable diversified positions.
Dividends are not free money. It’s essentially a forced sale of stock. You’re typically still better off with the higher growth of a well-diversified ETF like VT, VOO, or VTI.
I don't suggest VTI and VT because that's a lot of overlap, as someone already said VT itself is weighted pretty heavily towards US companies but with diversification. It just depends on what you'd prefer, everyone has their own preference. I've been investing in VT for about two years now, its given me peace of mind with all the tariffs and uncertainty going around lately (and before that, as I was skeptical of massive AI valuations), as no matter if the US underperforms, if the rest of the world keeps improving alongside us then my investments will be fine.
VTI and chill. I buy some more every week and don't watch the news
Honestly, you need to head over to r/Bogleheads and get their advice. They'll tell you to invest something like 70% VTI and 30% VXUS. You want something stable that will grow slowly, there it is. There is no single stock that does what you want. You need a collection of stocks in the from of an index fund, like VTI and VXUS are.
Since you are just getting started, I would suggest, for the sake of simplicity, to get VT which has both US and international exposures. Alternatively, you could do VXUS (international) + VTI (US), you would then need to figure out how much you want invested in VTI vs VXUS. This set up offers you more flexibility as you pick your own allocation. VT takes care of the allocation between US and international for you. Good luck!
If you’re early… you’re wrong. Bro should have dumped that $100k in VTI, then VXUS when the tariffs were announced and he’d be sitting at $200k. Congrats on your 1 share of Reddit. Hope it doubles in the next 6 months.
Dont be discouraged. You have to start somewhere. Look at the ETFS i recommend VTI & VVO. You reinvest the dividends and they will grow nicely over time.
VTI & VVO. VTI is total stock market & VVO is S&P 500. Reinvest dividends. If you want to risk a little buy s few shares of IBRX.
You should never own stocks, options or futures. Buy VTI and sit back.
He's already up 21% compared to VTI.
Thanks for the feedback. ya I put a lot of money in the mutual funds because they felt "safe" and I can't handle too much up and down with my money hahaha... (I had a roth IRA in mutual 2040 fund and over the years did good but yes I am sure it is less return and will be even less returns with time due to the slide toward more bond). I am now thinking to put some more money instead of adding more to 2040 mutual fund, but in like a VTI or VT. I am comparing both. I know VTI is USA and had more returns in the past 10-15 years and VT is international and has been better in the last year. So maybe 70% VTI and 30% VT....
Either approach is fine. VOO VUG, the mix of VTI VXUS. Even a little mag 7 one time buy and hold is ok. No real wrong answers. Just stay away dividends, penny stocks, bonds. And teach the kid to auto weekly VOO once he starts earning and to not panic sell. People focus too much on the “recipe”, when they should be focused on the behavior. I’m not mad when someone goes international exposure for diversification. I just worry they don’t do more auto because of over complication. There is nothing more powerful than having a simple symbol, VOO, and just working hard to increase the weekly. 35, cool see if we can do 40, 50, etc. this is how progress is made. Anything that helps you spend less and invest more = your friend. Anything that adds friction to increasing that auto = your enemy. Overthinking and worrying about the magic secret recipe = common friction.
Now what would you suggest for my son's UTMA? Right now I only have $200ish (35/week to this) and allocated to VTI and VXUS. Add VOO too or swap?
Asain dad: "*Son...where I come from we called trading by another name. Gambling. And if you gamble - you mother will take off her slipper, and I my belt, and we will decide amongst ourselves who gets to beat the shit out of you first. The only trading you will do, Son, is VTI and studying to increase earnings capability. The only gambling you will do, Son, is gambling on a course or book to improve your skills and earn a higher paying job*"
You could have just held in VTI lol
How old are you? Why not just VOO or VTI? If you’re looking at individual stock, I’d go GOOGL, for 25%
>Am i wrong for wanting to have 1 million on my account so i can retire early? This has gotta be satire. Of course everyone wants a million in their accounts, the part you were wrong for was where you gambled on options instead of buying VTI.
Couple hundred thousand in checking? Dude the USD has lost like 11% of value and seen like 3.5% inflation in the past year. You've lost almost 15% of your cash value in the past year just letting it sit. At least park it somewhere like Berkshire or VTI if you don't need it liquid, otherwise you're just losing money every day.
If you want a “safe stock” just invest in like VTI or some broad index fund
If it’s a taxable account you can sell and buy VTI to tax loss harvest. You could also incrementally sell it and buy tech stocks that are down now.
Yo if that ever happens I am selling all of my stocks and buying VTI.
Two thirds VTI, one third VXUS. Let it cook for 30 years with regular contributions (hopefully increasing in size) and you'll be a multi-millionaire. You have US equity overlaps and are missing out on a lot of international. Gold looks gamble-ish.
2/3 ish VTI, 1/3 ish VXUS, 5% ish VGSH or cash
"massive" is like -10% measured by DXY after it had an uninterrupted up and to the right rise from 2008 to 2024, part of why stuff like VXUS/VT look sad compared to VTI since they were priced in a dollar that kept strengthening.
Every other answer in this sub is "VT and Chill". How is sentiment here so miserable after a VT +21% year? 21% is like *3 years* of normal total market gains. And it's not like 2021 where 9% of that was eaten by inflation. Even VTI "only" did 2 years in one. VT is just finally firing on all cylinders for the first time. Does anyone actually do VT and Chill or is this like a meme people say but don't follow?
I like MSFT, NVDA, and IBM. I don't know much about JPM. You could always keep them or sell half of them and start a ETF like VTI, VOO or whatever. Keep the ETF around 30% or more of your portfolio.
VTI: -0.57% VXUS: -0.59% VT: -0.61% See how market manipulators can't even do math right.
If you’re holding Fundrise alongside VTI or FSKAX, remember that the underlying overlap means differences in performance are more about fund structure and timing than missing exposure something to keep in mind before making moves.
> I was looking at the 3 months and saw a different return on them https://totalrealreturns.com/s/VTI,FSKAX
I’ve made 6200. I’m adding 5500. Should I just put it all in VTI right now?
Index funds are only priced once per day, at close of market. VTI’s price changes throughout the day as long as the market is open
FSKAX is a mutual fund and doesn’t track prices live. It prices ar closing. So, you’re seeing yesterday’s close price for FSKAX (which was up). VTI is an ETF that tracks live and it’s in the red today. At the end of the day, you will see FSKAX go red as well. Take a look at both at 7pm. They will be almost identical in price.
Nothing against Vanguard advisors but they recommend the standard 4 fund portfolio of VTI, VXUS, BND and BNDX. In July 2016 this is what the advisor recommended to me at age 49 and told me to put 35 percent in BND and BNDX and 26 percent VXUS. I went with 20 percent bonds. My portfolio would be at 4 million if I just went without the bonds. If I did 35 percent bonds and their recommended portfolio I would be at about 2.5 million. I am at 3.1 million.
Just say you don't understand investing, buy VTI, and find a hobby you're good at.
I said broad market. I am talking VTI/VXUS. Hold it all.
Late 40s. 75% VTI/VOO, 15% VXUS/Fidelity Int’l Fund, 8% BND, 1% BTC, and 1% physical metals. Planning on working until 65 if I enjoy my job, but have the flexibility to FIRE sooner if I’m ready to call it a day.
32: Portfolios: 401k: 50-50 retirement target fund (2045) and VTI Personal investments: 80% US equities Short term CD that auto renews for cash Some tbills in the safe
Depends on your time horizon. If you're young (in your 20s) then you should buy and hold VOO, VTI, or other broad stock market index funds. Bonds aren't really ideal unless you're getting to retirement age and are focusing more on preservation rather than growth. If you need emergency cash you can always sell your investments.
That’s a stupid comment. VTI exists. Yeah, it’s heavily weighted on tech comparatively (like 30%) but, if tech goes down another sector rises and things keep going. You diversify across markets and asset classes so that you can bridge the transition periods in the market movements
VTI, developed markets, emerging markets, commodities
That’s the conclusion I came to as well. But I’m at 70% VTI and can’t really rebalance without incurring hefty tax bill. It seems I can only rebalance by putting new money into bonds
44m 22% VXUS (Increased from 12% when Trump was elected) 40% VTI 36% options/single stock ownership/other stuff 2% bitcoin (bought at 90k, should have waited..)
Late 30’s 75% US Equities (VTI) 5% Russell 2000 index (IWM) 10% Ex-US Equities (VXUS) 5% Brazil Equities (EWZ) 5% China Large Cap Equities (FXI)
I have an entire monitor dedicated to my portfolio and I never sell anything and only hold VTI....
Is it redundant to own VTI and VXUS and still have FXAIX and FZILX? Trying to rebalance my Roth portfolio. Mostly own vti and vxus and have some shares of FDEGX. Not sure if i should swap it for FXAIX and FZILX or just sell and put the money into VTI/VXUS.
Stealing a percent of their clients return ? Not exactly stealing but you know if you think owning 2 ETF's and a few large cap stocks makes you an expert in the financial markets it doesn't since most people out there just have the follow the herd mentality with their Vanguard ETFs the VOO ,VTI etc etc
I am 17, living in the US. I have around 30k and am deciding how to allocate it among ETFs and individual stocks. I should make around 17k this year, so I am going to max out my Roth IRA. This is how I currently plan to allocate my money, any thoughts or suggestions? |Brokerage|Cash|Roth IRA 2026|Individual Stocks| |:-|:-|:-|:-| |28,000|2,500|$7,500|250$ PLTR| |6,000 VXUS|||200$ Meta| |12,000 VTI|||50$ Lockheed Martin| |5,000 QQQ|||200$ NVIDIA| |4,000 SCHD|||| |1,000 Individual Stocks||
VTI or VOO are both a basket of funds/stocks and a lot of the big tech names are in it already. It's one of the easier ways to invest that way. Go over to finance.yahoo.com and you can see the different type stocks within them. I'd also suggest AMZN perhaps as always being around for a while.
Starting out, go with a broad market index. VOO is the top 500 companies in the US and historically pretty solid long term results. VT is the world stock market and a bit more stable/diversified than VOO. If you want to manage weighing more towards US or international, a good starting combo is VTI + VXUS (US market index + world index minus US).
But VTI or VOO. Or pick a vanguard index fund in a sector that you believe in (ie financials, industrials, etc).
Yeah, I see your point, I don't want to hold physical gold, but what about having 5-7% of your portfolio in an etf like GLD? Historically, this would have helped in inflationary periods like 1969-1983 or flat periods like 2000-2010. I'm thinking of GLD, like i think of VXUS, most of the time VXUS lags VTI, especially the last 25 years - I don't want to hear about last year's VXUS overperformance- for the last 25 years (I'm using this timeframe because I started learning about and investing in this timeframe, so using personal experience) VTI equivalent returned 9.2%, VXUS equivalent 6.38. To my eyes and experience, VTI crushes VXUS, so why bother, but I also know that there are many 10-20 year periods where VXUS beat VTI, like 1969-1983 and 2000-2010, so I hold VXUS, to help my portfolio during those periods. The argument can be made that holding 5-7% GLD for a similar period will help the portfolio, if we hit inflation or a flat period in US equities, which will happen again at some point. History may not repeat, but it does rhyme, especially if USA continues isolationist and tariff policies.
Depends on your goals. If you're "starting" to invest and your goals are long-term saving as you mentioned.. VOO/VUG/VTI/VTSAX/SPY (Index/mutual funds) might be better long-term investments for you. Shorter term, i dont think there is anything better than looking at AI companies like Palantir, Nvidia, etc.. Broadcom, Crowdstrike and few others have been up and down recently but you get the idea.
I would literally just do some mix of VOO, VTI, VXUS, SCHD and QQQM
What would the similar ones to AVUS be? Obviously VTI is the standard for US exposure, but I am a fan of the slight tilts and a 0.15% expense ratio didn't seem too bad.
I stay 100% invested and never "have cash on the sidelines waiting to deploy at the right time", because i watched my parent's underperformance. Their retirement is fine, they've done well, but I know that they had at least 200k in 1998 in their retirement accounts. Backtesting with testfol.io says that if they had kept 200k in a mixture of 70% VTI 20% VXUS 10% short term treasuries, they would have 1.8 million today, without adding any more money. If they had added 10k a year, which they should have been able to do -my Dad always made more than 100k and my mom worked part time for vacations and stuff, they would have $3 million. They have about $1million. They never panic sold losses, but after 2000-2003, they paused, "waiting for the right time to re-invest", and then started in 06 or 07 and then 2008 crash, and then again, waited 5 or 6 years and missed a lot of good years, with new money mostly sitting in a fund that my Dad's government job offered that was basically a guaranteed 4% money market fund. They're smart people who knew better, they didn't necessarily "sell low buy high", but they kinda "waited low, bought high". If they had left it alone and just stuck with their allocation, they'd literally have 3 times the money. so i picked my allocation and stick with it, because i don't want to do what my parents did. in their defense, my Dad also has a pension- so their view is that is all extra money, but my view would be, since this is all extra money, why am i scared of losing it? not saying i'd gamble with it, but i would be aggressive, not always holding 40-50% in a cash fund, while waiting for the "right time". It's so simple- just buy a mix of US equities/ex-us equities/ and whatever mix of bonds lets you sleep at night, and buy every month or year with extra money. It's so simple and obvious, but almost no one actually does it lol.- including myself- i've had plenty of years where i should have invested more or just stayed put, but i tried tinkering, but now i'm 48 and i realize i too have less than i should because of this and just stick to the plan.
Good call leaving options. With 3k buy dividend stocks or an index fund. Start with VTI or VOO for broad exposure. Then pick 5 to 10 individual stocks you understand. Read their earnings reports and financials. Most people fail picking stocks so keep 70% in the index and 30% in picks. Boring beats exciting.
If you don't know what you're doing, or even if you do, most people are better off investing in diversified index funds. I highly recommend against picking individual stocks or even specific sectors with any significant amount of your retirement savings. Look into the Bogleheads forum. A simple 3 fund portfolio with VTI, VXUS, BND is often recommended. What got me started was my employers automatic contribution. I started contributing 6% pretax and it automatically goes to 10% unless I would have stopped it. Decided I didn't want to retire at 65-70 like most people so I bumped it 15%. Then 20%. Now I'm sitting at 28% including my companies match hoping to retire at 55.
$VTI and other ETF’s can give you solid base hits most years. They are not home runs. But they also don’t strike out and go to zero. If you had a baseball team where every player always hit the ball and made it to first base, you’d never lose. Having a team where one player hits a home run every time, but many players strike out - you’re going to lose games. Instead of picking up a few base hitters (ETF’s) and then moving on to risk home runs or strikeouts, what if you could just commit every dollar to base hits? What if you take all your investing effort and focus them on your work and life, and just commit the money side of things to indexing and building a bigger army of base hitters ? If you can get $100k, $500k, $1m,$10m all returning 8-12% a year.. now you’ve eliminated the need to have “right picks” and can just focus on earning and contributing more (something in your control). Eventually, these base hits add up to more than you can contribute (or eventually, spend). That’s the basis of r/bogleheads . If I were starting over, I’d focus on getting my first $100k in VTI, voo or similar and then pause and think about where to go from there. Truthfully, most people would probably be best served just continuing the index fund route indefinitely.
I’m half ASTS/AMPX half VTI. Am I retarded?
SPYM is cheaper than VOO or VTI.
This little stock called VTI. Kinda of a narrow market but I think it'll keep going up long term.
Imagine VTI-ing until you're dying🫵😂
Setting a $5,000 limit would be a 1.43% yield. Over 15 years you'd have to expect that to grow close to $6,000 although the income threshold will probably rise too. Just spitballing: 20% in XLU at 2.5% yield 80% in VTI or VOO at about 1.15% Would throw off about $5,000/year. Or swap in VXUS (2.9%) for XLU. Is it correct that the portfolio can **generate** more than $6k in income without running into a problem but you can only **take out** $6k? So the idea is, you don't want to "waste" value by getting more in divs than you can take out. You want to have as much allocated to growth while still generating close to the income threshold?
Alright so actual cash in BofA can be whatever you're comfortable with. I keep one month expenses plus enough to pay off whatever I spent on credit cards last month. Whatever it needs to be so that there's no risk of you overdrafting and it doesn't get so low it makes you nervous. After that get any 401k match available to you are work, in full After that pay off all debt above like 5% interest except a mortgage. After that comes savings. You are correct that your HYSA and your Fidelity account are essentially the same thing. Keep whichever you like best. This account has an emergency fund. An emergency fund is typically 3-6 months expenses. This is so if you lose your job or get injured or whatever you have time to figure it out. This can also take care of a major appliance breaking or car repairs or whatever. It's so when the worst happens you are not forced to take on debt. If your position in life is riskier (you have kids, spouse who doesn't work, unstable job situation, etc) you may want to keep as much as a year expenses here or even more. That's personal. You can also keep money here for known upcoming expenses or purchases in the next 5 years such as cars, houses, repairs, weddings, etc. If you go with the Fidelity account SPAXX would be a good place to keep the emergency fund because it doesn't fluctuate and you can get the money immediately. SGOV is a good place to keep everything else. If you live in a state with higher income tax FDLXX is better than SPAXX because it's fully state tax exempt. After that retirement accounts. 401k, Roth IRA, HSA, etc. I do not know the specifics of your pension but will just assume it's interchangeable. Really it's ideal to max these out, and it doesn't make much sense to invest in a taxable account until these are maxed. So contribute what you can. At your age Traditional is probably more tax efficient than Roth. Invest everything in a low fee target retirement date fund, or if you don't want bonds a low fee global index fund such as VT or a VTI/VXUS combo. That T. Rowe retirement date fund has reletively high fees. If it is in an IRA where you can buy anything, find one with lower fees. You want fees around or below ~0.2% ideally. Your entire 401k is currently in a US value fund. It's not the worst thing but you want value and growth, US and international. Diversification. After that comes taxable investments. Currently you are not maxing retirement accounts so I would suggest not having taxable investments. When you invest in tax advantaged accounts you get free money. Probably 20-30% more money depending on your tax rate, for free. So why invest in taxable and take the 20-30% hit? As for what you have in these accounts, there's no need for so many funds. Just buy VT or VTI and VXUS. Retirement date funds are not great in taxable because they generate a lot of dividends.
Awesome awesome. Yea, I got SCHB because I could afford more than VTI. I researched an alternative for that one. I’ll research the other ones. I’m very familiar with bitcoin so got excited with IBIT. Because of the dip I started DCA’ing BTC again. But I’m half and half with Crypto, I think it’s a scam then I think it not 🫤
Roth IRA: This is a target date fund. Basically you're paying a bit more expense ratio in exchange for active management of the stock/bond ratio to target 2060 retirement. Nothing wrong with that if it's what you want. 401k: This is kind of the opposite of a tech ETF, where it's specifically investing in industries people value less that may be undervalued by investors and have better fundamentals Schwab/IRA: SCHB is a VTI equivalent. You are essentially doing the classic VTI/VXUS strategy with those two. Pretty good strategy. Additionally you have ETFs dedicated to bitcoin, growth stocks and small caps. I recommend you actually figure out what these are doing if you're investing not just copying Reddit.
Certainly doesn’t have to it all there, but it’s a stable dividend from high quality companies. Easy to mix in something like VTI to get to exactly $6k/year.
Most of the people in this group have no cajones if you know what I mean like robots all they know is VOO and VTI and all the other snoozer Vanguard funds me I am risk taker gambling man and by the way I have beaten casinos for some nice pocket money the last few years I actually some good amount of coin in CHPY the yield is obscene pays weekly trust me in this group they would to be to scared to buy even 1 share let alone a few thousand 😁
70-30 is basically VT at that point, I would just stick that money in there. The only reason to self manage is if you have strong preferences about the proportion, then you can VTI/VOO + VXUS at whatever ratio you prefer.
Hookers and blow. Then I’ll take the remaining $950,000 and dropping that bitch 70/30 in VTI and VXUS. I can then draw down the gains for the year and basically let it sit there generating 5-10% a year for me to use as entertainment money.
Pay off all my debt. Would leave me a little over 800k. Buy a monster box of silver, some gold. Probably 500k into VOO, VT or VTI. Keep roughly 50k in a hysa for emergency and keep going to work. But focusing on maxing out 401k since I’d be debt free. Keep at the day to day grind for another 20 years.
Its fine , you could just do VTI/VXUS and have almost the same weighting
Check expense ratios and compare the returns on these assets over the last decade to SPY/VOO/VTI on one hand and BND on the other. I personally would be a bit risk averse because I feel like be markets are overvalued but you should invest it soon in diversified ETFs (not just in VOO but also things like VT, DIA, VGK, some bond ETFs, etc) and some portion in a HYSA so you can take money out and put it in while you’re in college.
Worth stating that what you bought did worse than actual VOO/VTI/SPY which did 14.5% in the last 365 days.
I would leave $10,000 in the HYSA for emergencies. 90% in VTI until I’m 45. Then add a few bonds.
I honestly have no idea. I'm going to max out my 401k and hsa at work and max out my IRA then I'm going to keep a little in VT/VTI/VXUS and honestly put quite a bit into my HYSA. Getting a 4% return feels great when I have no idea what is going on. I also want a nice cash pile to get in on whatever the next big thing may be. Trumps policies have killed so many jobs. Hospitals are closing. Schools have less funding. Research is dissapearing. From what I'm seeing the is making so many smaller towns less viable overall which makes me want to avoid them for real estate (rents decreasing). I'm paying attention to cities that I think will continue to thrive like NYC, chicago, San Fran, la, DC, etc for potential get in low opportunities. I really just don't know. Everything feels so backwards right now.
Yeah OP just needs to stick to VTI
Yeah you know the dunning Kruger effect is in action when the smartest people you know just say to invest in VTI
Why not VT? Personally I look at the price of gold and nvidia and just don’t see them growing as much in the next ten years as they did in the last. I would go half on VT and half on VTI and just wait, adding a little each month, never selling.
Dude I am in a similar financial situation, just turned 25 but renting with my Fiancé. I had about $100k in my HYSA at the beginning of the year, slowly putting it into QQQI, VTI, etc. Going to keep like $50k in HYSA and stack it back up as we get closer to buying a home. Fiancé finishes grad school in 2 years, probably buying a year after that. Really banking on something happening to mortgage rates or home values in my area. Everything just seems overvalued right now, all things considered.