VTI

Tiny_Amount7230

for now im putting most of my cash into high growth high beta stocks (mainly nvidia, meta, amzn). I can obviously put drastically more money towards VTI/VOO in the future when my income increases, but this is where im starting. Is that so "unoptimal"?

weech

This is it, full stop. While there’s truth to the adage that concentration builds wealth and diversification preserves it, the reality is that the average retail investor is ill equipped to consistently pick winners. On a long enough horizon, VTI and chill with will beat your individual picks 9/10 times. Stick it in the index and spend the energy optimizing your health and longevity so that you can enjoy the money when it’s time.

x2manypips

Stop trading and buy and hold VTI and QQQ forever.

GaylrdFocker

Just put it in VOO or VTI and forget about it.

PragmaticX

For my younger 20 something’s I suggest 50 SCHG 20 SCHD 20 VTI and 10 SCHY. Similar ETFs work too. I’d ditch the individual holdings until you have much larger core holdings. The Schwab products are low cost and adjust their holdings periodically. The key is to keep investing and let compounding work. Select dividend invest for all and rebalance as you add dollars to your account. Never panic as sooner or later there will be 20-30% correction. Ride it out and keep buying. Reevaluate every 5-10 years.

AlgoTradingQuant

You’re definitely gonna get some tickers/companies that are struggling…. Are they undervalued? Perhaps some but good luck deciding which ones. You’d be better off buying VTI or VOO.

ScarletLilith

The 1 percent fee is one of the biggest rip-offs known to man. No, you don't need a financial adviser. It sounds like she explained some things to you, maybe what an ETF was. You don't need her anymore. Put your money in ETFs such as Vanguard--VTI, VTV etc. Maybe buy a couple of blue chip individual stocks. Put some money in CDs with varying dates of maturity. Right now just keeping money in a money market fund gets you a good rate of return too. If you are young, your best investment may be a house.

PragmaticX

not to belittle your $450k, but the odds finding an uber competent advisor is remote. Statistically most do not beat the S&P 500 overtime. Most Reddit readers lack the funds to engage in private placements. Simply buying VOO/VTI will beat most. If you’re younger tilt towards growth provided you have the stomach to handle prolonged downturns. Personally I pay for great CPA and check in with my Private Banker and an investment advisor provided by work to make sure we are on target but not for specific stock selections. I suggest “My529” which is Utahs plan. It has been consistently a top rated plan for years and I don’t live in Utah.

Over-Computer-6464

70-80% bonds is lower risk from variations in price but has great risk from losses from inflation over the longer term. I would recommend a more traditional split such as 60/40. 60% broad based index ETF like VTI that tracks the total US stock market. Then split the 40% allocation to fixed income between cash-like holdings such as money market funds or the SGOV 3 month Treasury bill ETF and the other half of the fixed income allocation to a broad bond ETF like BND.

Poundcake2RedVelvet

unfortunately there is no concrete source I can provide, it is moreso due to the ambiguity of the IRS. since they don't explicitly state otherwise it is assumed they are different enough to not trigger a wash sale. different expense ratio, different management, very slightly different weighting, very slightly different dividends. safe bet is to do VTI<->VOO like you said for 100% clarity.

Baratao00

Wth, 3 bot replies for VTI, why 🤣

Aevaris_

For me, BRK is my medium sized downturn hedge. I am planning a 1 year expenses cash + 25% VXUS + 45% VTI + 15% BNDW + 15% BRKB. The premise is that BRKB will buy companies if we see a moderate-to-significant recession as well as market sentiment will flip faster than I can react, driving dollars from tech to 'safe havens' like BRK and SCHD purely on sentiment. Yes BRK will drop too, but the combo of market sentiment and their generally safer assets and their value philosophy make it my medium-recession hedge. 1 year cash + 15% world bonds is my severe recession hedge. No, it wont outlast a 10-30 year recession, but between cutting expenses, willingness to sell some assets at a loss, and likelihood of another 30 year recession, I'm ok with that. This also turns into roughly 60/40 US/international exposure and a 85/15 equity to bond ratio which are reasonable ratios to hedge against various other factors.

SuchSociety5301

VTI's a solid choice! Just remember to keep an eye on the long game, no need to panic!

Silly_Caterpillar700

idk, VTI and chill sounds like a plan! Just keep an eye on those economic trends, though. Can't be too relaxed!!

oNellyyy

Thank you! With $2 million invested in VTI dividends would be about $30k and retirement taxable income would be 60-70 and married filling jointly deduction would keep us low taxes. Would this make any sense then you think? We’d be trying to retire at 40. SEPP would lock us in taking the same amount for 20 years right?

Adventurous_Elk_4039

\>*Do you have any SMALL amount of extremely high risk companies/stocks? Like 1-3% of your portfolio?* I dabbled in the past and had some employer stock as well, but at the moment no, and I have no particularly strong feelings about any individual companies. That said, 1-3% is perfectly reasonable to play around with if you want to experiment. \>*any chance you could give me an almost exact estimate if your portfolio? Like what % you have invested in each fund / index, etc.?* As I said in my post, I am 75/25 on FSKAX/FTIHX. This gives me essentially total world coverage with a home country (US) tilt. If you prefer ETFs, you could do VTI/VXUS to achieve similar. Or if you want to keep things extremely simple, you could just invest in 100% VT which is the full world at market cap rates. This essentially makes you the market. You won't outperform it, but you won't underperform it either.

ChingChingLing

VTI and chill

Imactuallyatoaster

Why? You could just get a single fund like VTI that has everything you just included but at market cap weight.  Depending on where you are holding these you could also introduce a lot of tax drag.  Keep it simple with sp500 (spym), total market (vti), or VT for total world market. You can also add in vxus for international.  For bonds you really don't need any at your age. If you're dead set on it take a look at bnd and fbnd. One is passive and the other is active. Bonds are one of the places where active often means better. 

MacarioTala

That would mean that I trust them to time the market and give up whatever yield the cash pile contributes to their overall yield. I can see that argument of course, but it's not something I'm convinced of. I do think that cash is safer than any of these, but cash has a drag due to inflation. So unless I'm using that cash to consume something cool now, it's better in a bond or hysa if I'm fearful. If I want better than bonds, an index is my choice -- that's basically me saying " I have no edge, VTI/VOO & chill". If I want something riskier with higher potential yield, I'll go with BRK.

InjuryEmbarrassed532

Nvidia is a one trick pony (mostly). Competition is at the doors. I own Nvidia too, but I see VTI as a hedge - then again I am boring.

ConcentrateOk523

Why diversify? Wish I was 100 percent VTI my entire life, would have so much more. Stay the course.

ZipTieAndPray

Oh to be a teen again. VTI and chill ALL day. Never waste a second thought on it and focus on making more income to invest.

adhdt5676

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

NegotiationJumpy4837

Which is actually one of the reasons why etfs are really beneficial, imo. With VTI, I can just hold for 40 years until retirement and keep compounding. With individual stocks, you would want to sell, then pay taxes, then you can't compound that portion anymore. Sm

ConcentrateOk523

Problem is owning international from 2009-present. I bought VXUS back in 2001 and compared to VTI it has barely grown.

Gimme_All_The_Foods

Why are you not investing the 100k? It doesn't matter where it came from. Money is fungible and it's now part of your portfolio. Deploy it into an asset allocation that works for you. I recommend global stock market exposure via broad based index funds so either an ETF like VT that tracks it already, or manually via funds like VTI and VXUS. If you don't want global investing, at least pick an intentional allocation between 30-50%. If you're worried about that much exposure in the markets, which sounds like you are, it's a great idea to have some fixed income too. An 80/20 split might serve you well. A nice rule of thumb is to only put money in equities that you won't touch for at least 5 years, and an amount that if it were to drop 50% in value, you wouldn't panic sell. It's hard to know what your temperament would be if you haven't experienced a noticeable crash before, but do the best you can. Investor know thyself.

thesunriseking

Not a VTI/VXUS/BND and chill guy with all dividends set to reinvest?

nonamenomonet

VTI

ajmedina2

Yes, just invest in VTI and move on with your life

DuckLIT122000

Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT

MCB1317

If OKLO has ever been in your portfolio, stick to SGOV and VTI.

Czech_Thy_Privilege

No worries! Me saying that $VT holds $VTI and $VXUS is a very simple way of looking at it. $VT has holdings in companies that can be found in the holdings of both $VTI and $VXUS. You can go on Vanguard’s website to see which ETFs hold which companies. You’ll want to scroll down to “Weighted Exposures” and “Holding Details” to see what I mean. Here’s the one for $VT. The Markets display for $VT shows 63.10% of the fund’s holdings are investments in companies in the US, which means 36.90% of the fund’s holdings are outside the US. The reason I mention this because Bogleheads (a sub I recommend checking out) generally advises people to put 65% of their investments into $VTI and 35% into $VXUS, as this is roughly the same composition of what makes up $VT. I don’t want to deal with rebalancing, so I just buy $VT lol. And you’re correct about everything else. The only thing I would double check is selling your holdings in $MSFT and whatnot just because of taxes. It’s not a big deal. Just a tedious pain in the ass more than anything lol, but you want to make sure you’re going about it correctly. And I fucking feel you on the buying a house part. You’ll be happy to know that you can withdraw up to $10,000 from your Roth IRA for a first-time home purchase. It’s not much in the grand scheme of things, but it helps! I haven’t done this myself so when the time comes to purchasing a home, you’ll want to work with a financial advisor or someone who can help you navigate that part to make sure you don’t get hit with any withdrawal penalties.

HipOut

VTI is down .46% in 1 month and up 16.53% in 6 months

Czech_Thy_Privilege

Look into setting up a Roth IRA. It’s a tax advantage retirement account where future withdrawals are tax-free as long as you’re older than 59.5 years old and the account has been active for at least 5 years. There are some caveats where there’s an annual limit on how much you can contribute per year and you cannot make contributions to a Roth IRA if your annual income is above a certain amount. You can withdraw contributions without any penalties, but you cannot put those contributions back. It’s generally advised to max it out/contribute to it after you’ve maxed out your employer-matched 401k contributions (if any). Regarding your investments, this is a good start. However, $VOO is an ETF (basically an index fund) that has holdings in $AMZN, $NVDA, $MSFT and other well known companies. I would recommend just holding an ETF since it handles diversification for you. The only thing with selling the shares you already have and moving the proceeds into $VOO or another ETF is that you may have to pay taxes from exiting your position. I also noticed you have $VXUS. The reason I mention this is because I primarily throw money into $VT, which is basically made up of $VXUS and $VTI and is about as diversified as you can get. The reason I like $VT is because of it hits $0, I’ve got bigger problems to worry about than my retirement lol. It’s my personal preference, but it’s totally up to you. Also, don’t fuck with trading options. Or at least not yet. You can make money from them, but they’re incredibly complex and you can (and probably will) lose a ton of money by trading them. It’s best to trade options in a “fun” account that you fund after you fund your 401k, Roth IRA, and savings account. I recommend checking out “Benjamin” and “InTheMoney” on YouTube if you want some good videos on how options work. I’d link them, but I think the automod doesn’t like YouTube links. Bottom line, getting started with investing at 19 is an excellent move! Your future self will thank you for getting started early. I highly recommend reading articles on Investopedia. It’s an excellent resource and has information on all things finance, not just investing.

dyinaintmuchofalivin

You say the return of dividend stocks is worse than non-dividend stocks as if that were some unquestionable truth when it most assuredly is not. Also, what if SPY or VTI have a 30% drawdown and take a decade to recover? It’s happened before and can definitely happen again. If you’re retired in that scenario there’s a very real possibility of outliving your money. As a dividend investor, I won’t have to worry about outliving my money even if I live to be 120.

babar_the_elephant_

I been thinking about dca into VTI over the next few weeks yeah.

WinterForward7336

You must be new to investing or on the wrong sub. VOO and VTI are ETFs and hold a multitude of stocks within them. By they themselves are NOT stocks

corys00

VOO/VTI Also, you post a question in title and then give a dissertation in the post.. you have a question or just have confirmation bias?

Juhyo

Don’t invest purely on vibes or blindly follow the market. Else you’re inevitably going to be one step behind and end up holding the bag while others are cashing out. Do you still believe in the company? If so, hold, or buy the dip. If you don’t then you can cut your losses before it dips further. Whatever the decision, you can only blame your due diligence and luck. If you can’t handle any risk, then go to /r/bogleheads and VTI/VOO and chill. Unlike what folks believe and say, stocks don’t *always* go up. There are pullbacks and a company’s position can change as competitors enter the fray. Nvidia had an unparalleled headstart in the competition and they certainly had a great run — but you’d be foolish to think the other tech giants would not invest to learn how to make their own shovels.

DegenGonnaDegen

I have no positions other than SPY and VTI shares right now. Sold all my calls yesterday for 80% gains. Waiting on the sidelines now

InjuryEmbarrassed532

Loving the VTI action today, even though it’s 7% Nvidia…

SirGlass

All the other popular ETFs are open ended funds , VOO, VTI , VUG , SCHD , IVV, ITOT, SCHB, SCHX this really just brings QQQ inline with the other most popular ETFs I really see no reason to vote no on it especially if you hold one of the above funds you already own open ended fund what QQQ wants to convert too. It cuts the expense ratio 10% ; its seems weird to complain they should have cut it more then vote no and pay a higher expense ratio

reaper527

> You can’t help the feeling that at least 95% of this sub would be better off just adding to VTI, than whatever in the schizophrenia usually goes on here. they'd probably still lose money by panic selling at the bottom.

HelloTheirCruleWorld

That’s boring ( all my ports are 90% VTI )

InjuryEmbarrassed532

You can’t help the feeling that at least 95% of this sub would be better off just adding to VTI, than whatever in the schizophrenia usually goes on here.

niko3100

Ok..now sell everything and buy a lot of VOO, VTI shares and forget for 10 years.

JoshuaSuhaimi

might go SCHB+SCHF which is basically VTI+VXUS with lower ER but yeah that's probably a better idea than more S&P500 for me

macula_transfer

We are not in a correction. That’s 10% off market highs, or ~305 VTI.

giraloco

VTI fees are 0.03% that's $3 per $10K per year. Doesn't get lower than that unless you buy individual stocks.

Various_Couple_764

>if you get it wrong and it always goes up. So if he did this in 1999 he would have had to wait for about 14 years for market to come back up to it 1999 high. Some times the market takes a long pause before it goes back up. Now he’s just saying he only needs to do 16% a year for the next 20 so he can retire with 3M. the VTI average total return is 10% per year. but it varies a lot year to year. Especially during bull markets it can frequently hit about 15% a year, And occationally will hit 20%. So if he Just stayed with VTI for the new 20 year he would likely have reached 3 million if the bull market continues. But history has show there will be a bear market sometime in the future and we cannot say how long it will last.

Eatyourfriedrice

Yeah I have about $5,000 in emergency fund. I’m working but i wont be able to contribute to a 401k until next year so for now I’m trying to get something going. I’m hoping to max out by march time as I see the deadline for the 2025 Roth IRA is April 15th. I sold my VTI shares and put everything into VOO and I’m just going to keep on doing so. Is this a good route ?

CapeMOGuy

As a general rule it's a losing proposition to try to time the market. You have to be right at least two times for every instance you use timing, when selling *and* when re-buying. There's nothing wrong with using a total US fund like VTI paired with a total Intl fund like VXUS to create a custom allocation. Personally I'm 60% US and 40% International with the equity part of my portfolio.

CapeMOGuy

VT is an index fund which is weighted for market capitalization. It truly is the world stock market. A couple years ago VT was almost 70% US. International markets have done better than the US for the last year and brought the % in US down. If you wish to have a different allocation than VT you could use VTI (US total) and VXUS (Intl total). Personally I use VTI and VXUS and am 60% US and 40% Intl. Overweight US by a couple percent.

Aacrns

Actually I’m glad I learned the hard way during the GME time. Granted I didn’t have much money. Was up like 5k and ended up losing 3k. That isn’t much now but back then I wasn’t working and it was like 20% of my portfolio and I was like never again so then I just buy VTI now lol

ConcentrateOk523

Last 6 months international underperforming as usual. I would have thought VXUS would be up 40 percent for the year. It will never make up for all the money I could have had just owning VTI.

ConcentrateOk523

More VTI. VTI carries the whole portfolio. Today VTI up 1 percent and VXUS and BND doing their usual nothing.

Low-Jackfruit3321

Investing in VTI and SCHG

Affectionate_Run3921

If you don’t know what you’re doing, you came to the right place! My recommendation is you do some homework on your own to get educated. Chat with an AI tool like grok, read some books, etc. If not, and you just want a short answer from Reddit, be careful what you listen to. Just keep it simple is my advice. Buy VTI. A little every week or two. Never sell. Always buy. Don’t touch it until you retire.

wesley_iles

Please stop. Reddit is very obviously young people who are completely new to investing and has never experienced a significant bear market. I think a lot of people on reddit completely underestimate their risk tolerance and buy stupid things like single stock, crypto or others. Just buy VOO, VTI or VT (I recommend VT) and go on about your life. If you people on reddit are concerned about a 4% drop from ATH, then maybe it would behoove some of them to hold some bonds.

chf_gang

you just need to have money to buy stocks Like just find a broker service and open an account, deposit your money, and buy whatever stock you want (I would recommend starting with an ETF like VOO or VTI or a big tech company like Google or Nvidia). There's no barriers to entry in this game but don't throw your money at crazy speculative plays - I got burned plenty of times when I was first starting out. It's better to build a solid foundation for your portfolio first before you go crazy on 'plays'

BalerionSanders

Nothing quiet about VXUS vs VTI ytd % 🤷‍♂️

Hanselcj

VTI and BND can be bought this way as well. I was so happy when vanguard did this a few years ago!

Few_Victory_0813

Yeah but the drop rate on those during the drop years is way harder am I wrong don’t you have to pray for a bull years? Also VOO hold better during recession and has slightly beaten VTI most years because although you get more small caps the large caps outperforms those smaller ones

Own-Character395

You should invest in both. There's no good answer for how much in the US versus Canada. Lots of people would do something like 50% VTI, 30% XIC and 20% VXUS. Others might be 50% XIC, 40% VTI, 10% VXUS. You will probably change your mind about the allocation over time. A good way to handle that is hold whatever you already have and only change you mind for new money you're investing - to avoid excessive trading. Keep enough money in cash to cover six months of your expenses.

Interesting-Foot2880

Already included in VOO/VTI/VT, you're actually less diversified if you buy it alongside broad market indexes.

nafnaf0

I certainly wouldn't have VGT or FTEC as my only equity position. Yeah it has done really well over the last 10 years and I think tech will still do really pretty well over the next 10 years, but it should really be maybe at most 50% of your equity position and the other half could be something more generalized like VOO or VTI.

MaxwellSmart07

Keep VTI and buy IWY or QQQM. At very least dump BND and bury it 6-feet under so others can’t buy it.

Juhyo

Realize that you’re probably not as expert a trader as you think, and were just riding the temporal wave of big tech booming higher, as well as really manic vibes in the market overall — so you put more into VTI/VOO and chill, and allocate a smaller piece of the pie for gambling. Build up a decade of trading in this manner, then look at your fun gambling account’s performance and compare it to your *actual* investment account, and then you can figure out if you actually know what you’re doing or are just throwing money into the wind.

quirky_yolo1

Selling cash secured calls on VTI, VOO or SPY, only to find that the value keeps going up (so we can only roll indefinitely or eventually get assigned)…

Sagelllini

I'm 68, retired for 13 years. Definitely option 2. [Here ](https://docs.google.com/spreadsheets/d/1WQphWoaXtoleI_fhhHXIDWS9xm6rSB8qLWv1dVH7y1A/edit?gid=0#gid=0)is my Google Sheets toy to help plan retirement. Sounds like what you need from your investments is a pretty low percentage. Stock funds like VTI or VXUS will have annual distributions in the 1.25 to 1.5% range. That covers about 40% of your withdrawals if you target 4%. So, even in the 50% drop (yes, 2008 to 2009, although the market rebounded to about 20% down by the end of 2009) scenario, AT MOST you are touching (in a year) 5% of your portfolio, leaving the other 95% untouched. IMO, more money has been lost trying to counteract future potential negative events than ever cost by the negative events themselves. If your withdrawal rate is low, you have virtually no longevity risk. What that means is you should withdraw more and enjoy the money when you are healthy to do so.

ArtisticAside8224

I think replacing spy with voo would likely trigger the wash sale. They are substantially similar. You would be better offer replacing with schb or VTI which have very similar performance but are not substantially similar.

Beta_Nerdy

People who VT and chill vs VTI and Chill. (Except for 2025, VT is a poor investment.)

Leroy--Brown

People read comments and assume my strategy is to put 100% in NVDA. 60% VTI. 20% defensive strategy. 20% growth strategy. Oh no! A portion of my fund dropped while I'm still in the accumulation phase! What will I do? Buy more.

Few_Victory_0813

Why do you like VTI over VOO

Cruian

What about VTI + VXUS in a 60 or 65 to 40 or 35 ratio?

ArbiterFX

Measuring if you are in the green or not isn’t a complete picture. Measure yourself against VOO, VTI, VT, etc. Once you factor in opportunity cost you did much worse than losing $69k.

PrincipleFlimsy3200

If it makes you feel any better I listened to Reddit and didn’t sell my unrealized 500k gains on GME then proceeded to get blocked from selling and then watched that shit drop all the way back to where I started the following morning. I wish I listened to my wife that was standing right there telling me to sell lol. It sucks but your life isn’t over. It will be ok I promise. I learned from the stupid meme shit and now solely invest in VTI and VXUS and don’t fuck around anymore.

Few_Victory_0813

I chose VOO because I prefer to track the S&P vs the masses that VTI follows also given the studies and that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans

InvisibleEar

Stocks are based on real value, but GDPs have not doubled since 2019 and VTI has. A share of Palantir has value, yet the 400 PE is greater fool theory.

Cruian

I'd say no. Common current recommendations tend to be for 30-40% of stock be international, you'd be skipping the US extended market (why VOO over VTI?), and you should be looking at your US to international ratio as a sum of all accounts intended for the same purpose (which is where the 30-40% would come in).

EightFolding

I've been managing my IRA with a tech thesis for a few decades and I always keep some industrials, power, and utilities in it - all in the same theme but they provide some cushion. If you go back to your portfolio in January and grab that amount, and back test something like QQQ, or SPY, or VOO, or VTI - compare how they have done to your portfolio. Are you beating the indexes? My portfolio has dropped since Nov 4th as well, but this correction is nothing that hasn't happened many times before over the years, and it always recovers and then continues up to new highs. But if you aren't at least beating the indexes, over the long term, you might as well buy the indexes instead. So I would approach your analysis less in terms of what you're down from recent highs, and more about that: are you still beating the indexes over the long term?

Minute_Tune_6461

I’m selling VTI and buying dips on PLTR NVDA AMZN META AMD

FollowingAway9452

You didn’t “pick bad stocks,” you built a Vegas portfolio inside a retirement account. A Roth IRA is supposed to be boring: VOO, VTI, maybe QQQ, and a couple long-term conviction names. Instead you loaded it with leverage ETFs (BULL, UP), China names (JD, BABA), super-speculative plays (NBIS, ONDS), and then wondered why your balance moves like a crypto chart. Going from $100k → $67k isn’t a market problem, it’s a portfolio construction problem. If this account really matters to you (and it should), simplify it, stop trading inside it, and treat it like a 30 year compounding machine instead of a 30 day gamble. The recovery becomes way easier once the portfolio stops fighting you.

Lejuju86

You did not invest, you gambled. Take this as a lesson and invest in ETFs at least (QQQ, SPY, VTI etc...), not in single stocks and even less options at this stage. Long term you will be fine, but stop gambling!

Emotional-Power-7242

VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.

whatsupdog11

VTI is heavily weighted by big tech

Parking-Young-3314

Please OP. I also lost 500k in total in last 6 years hodling penny stocks, trading stocks, trading options, day-trading. Please for the sake of god. Do not trade again! I learned over and over again that broad market ETFs are the way to to. Depost rest of your money and future earnings into VOO, VTI, VXUS or something! Save yourself!!!

peacemi11ion

VTI and chill

Parking-Finger-6377

VTI is down 2% in 30 days

Ok-Psychology7619

I see 1.1% up for VTI, don't know what you're delusional eyes are seeing

Proper_Historian801

Time to retire bro, put it in VTI and chill on a beach.

LitterBoxServant

The funniest part is that my screenshot isn't even a meme. It's legit the top 4 VTI holdings.

9yqOW85P8XNcEze38

If you had bought 50k BTC 5 years ago today you would have 225k Had you bought VTI you would have ~95k Had you bought SPY you would have ~93k Im sure DCAing would've been just as good. Stop trading and buying cumcoin, prolapse coin, and some other project with a story. Now look, your wife gonna be sucking off Jamal from the gym

geeeeeep

I buy $250 of VTI every Monday. Nothing has changed

mauerfan

I just keep buying VTI.

InjuryEmbarrassed532

Feels good to be in VTI and watch the hysteria unfold.

PrincipleFlimsy3200

It’s going to rug pull right? Right??? I’ll I asked for was VTI at 315 that’s all I wanted.

LitterBoxServant

https://preview.redd.it/67n3l35u3n2g1.png?width=464&format=png&auto=webp&s=f9a3ffd49765d9533f38b416c6423f7f32b6ac71 This is VTI. Who's gonna buy it and chill?

peacemi11ion

VTI and chill

peacemi11ion

VTI/VXUS/BND and chill