VTI
Vanguard Total Stock Market Index Fund ETF Shares
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Aggressive Roth IRA at 18 – What Would You Change?
Spacex, OpenAI, and Anthropic IPOs are investment opportunities and don’t let anyone tell you otherwise
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
place for stock picks that are not used for calls or puts? Higher risk growth picks?
Funds like VT that don't have the typical index problems
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
27M, with a little over 100K on bank MMA Account, what next?
feels crazy to buy stocks that are over 4x higher than when i first invested, not sure what to do
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Roth or Brokerage for individual holdings - what is best?
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
Is holding energy ETFs or individual stocks worth it?
Edward Jones advisor wants me to invest with him instead of on my own.
You can do it! You can always recover! VTI & chill + buying dips
VTI averaging 20% per year; am I looking at this correctly?
Any recommendations or input on my portfolio structure?
Help me re-balance my portfolio: 31F, single, hoping to buy a home in VHCOL area in near future but also work as little as possible?
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
The mental relief of finally admitting I suck at stock picking
Rate my 100k by graduation plan at plan 18 years old
Made a stupid mistake with the market and not sure what to do now
How much of your portfolio do you actually keep in 'satellite' positions?
Any tax implications/forced sale if/when a massive company gets absorbed into VT/VTI?
What % of your portfolio is individual stock vs ETF?
Avoid fast track IPO’s while keeping broad passive strategy?
Still going all-in on S&P 500 with new money, or diversifying more in 2026?
Have another $200K to invest in. Should I put another $100k all in VTI right now?
Is anyone still just dumping new money straight into S&P 500 in 2026?
With the OpenAi and SpaceX Scam Rules, What ETFs can I buy instead of QQQM?
Any specific ratio to set up recurring investment for Roth IRA long term?
What’s the reason not to just go QQQM rather than VTI/VOO etc. when looking at long term ETF holds?
Unsure how to balance risk after maxing retirement accounts
20 year retirement goal. Continue investing in stocks or buy a house?
Short portfolio analysis with positions
Rethinking Dividend vs Total Return Strategies in Your 20s and 30s
VTI vs AGTHX? What would you choose for Roth IRA
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
Rate my ROTH IRA Investments
Mentions
Thanks, much appreciated. VTI it is!
I’m so regarded at trading but I’m a fucking gigachad at holding VTI lol
Switch to VOO instead of VTI if you want more protection from space x shenanigans
The $50k tuition fee is expensive but you probably learned more from that than from any book. Buying individual stocks creates a feedback loop where selling feels like admitting defeat and holding feels like conviction — total market ETFs remove that emotional trap entirely. VT or VTI + VXUS at market weight means you never have to decide when to sell. The "chill" part is the actual skill.
Being skeptical of a brand-new celebrity-endorsed ETF is the right instinct. Without knowing the exact holdings, celebrity-backed ETFs generally come with higher expense ratios (often 0.50-0.75% vs 0.03% for VTI) and zero track record. The slight dip since launch is almost certainly noise — new ETFs can take months to build their positions efficiently. The bigger question is what the strategy actually is under the hood. If it's a concentrated large-cap growth fund with a fancy name, you can get the same exposure from SCHG or VUG at a fraction of the cost. If your dad likes Suze Orman's philosophy, have him check the prospectus and compare the expense ratio and holdings to a low-cost broad market fund first.
I assume it would be included when the fund is rebalanced with the index which I believe in the case of VTI is quarterly.
The S&P 500 contains the 500 largest stocks in the U.S. that meet certain profitability standards. So it’s the “gold standard” for broad stock exchanges with its companies being cash machines .. most with a global reach. There’s been some noise about IPOs but looking at the typical IPO, they usually underperform for a while. In the US there are other similar broad indices similar to the SP500 that already allow IPOs in after 5 days (CRSP for Vanguard’s VTI, Russell and, globally, FTSE) should one decide they want mkt weight exposure (after these do minute adjustments).
at 61 youve got a really solid base there. for the 3k in taxable id keep it simple — VTI or VOO. the covered call ETFs generate income but theyre less tax-efficient in a non-registered account. at your stage the priority is preservation and steady growth not chasing yield. time in market beats timing the market even with 3k. not financial advice but thats how id think about it
at 61 you've got a really solid base there. for the k in taxable i'd keep it simple — VTI or VOO. the covered call ETFs generate income but they're less tax-efficient in a non-registered account. at your stage the priority is preservation and steady growth not chasing yield. time in market beats timing the market even with k. not financial advice but that's how id think about it
I’m 80% VTI/VXUS and 20% individual stocks. I take the same approach with both, but I’m holding blue chip stocks with strong long-term potential, not meme ones.
So VTI changed their rules? From what to what?
VTI is a total stock market index. Of course it would be included quickly.
can you share that video? 0.044% might be right for VTI but it's way too small for QQQ. it will be around 1% for QQQ.
I would like to but the capital gains tax would be a whammy. I have both VTI and VOO, which seems silly in retrospect with the huge overlap. VOO only moving forward.
To be honest, I was in the same mindset as you, and did my own picking of some sector funds (such as VOOG and similar). At the end of the day, after many years, I found that their performance was similar to the safer, less-volatile overall index funds like VTI. And if I just dump everything into VTI, I'm not picking winners, I never have to worry about "what if growth funds perform worse than the overall market?" I went through a similar learning process with dividend funds such as SCHD, throughout the years worrying about whether it was a good choice. And at the end of those years, it had made a few percent *less* than VTI.
Exactly.. even VTI will allow inclusion after 5 trading days if they meet certain requirements, it'll tank some ETF's initially if inclusion happens
15th trading is only Nasdaq 100. ETFs like VTI it will be included after 5 days. > The Vanguard Total Stock Market ETF (VTI) tracks the CRSP US Total Market Index, which applies a "fast-track" rule to Initial Public Offerings. Under this methodology, eligible mega-cap IPOs are added to the portfolio just five trading days after their public listing.
It will be added to VTI after 5 days. S&P 500 said it's not changing rules. However, Elon will probably "cook the books" to show a net income for 4 quarters to meet the requirements and will be added next year. Nasdaq 100 it will be added after 15 days I believe.
Still might as well be 100% VTI or VT. Personally I'd say VT. If you're contributing ~$7500 a year, great, that will make way more difference than anything else until you're around 30 years old.
You might as well just be 100% VT or VTI or something. You have $144. A great year in the stock market, let's say +25%, and you're at $180 a year from now. $144 to $180 in a great year. **If you can max your IRA contribution, your IRA goes from $144 to $7644.** Farting around between all these stock tickers is wasted time. Focus on *budgeting* and finding how to contribute another $20. It is going to make SO much more difference than this dicking around between ETFs.
Most people don’t have their retirement in QQQ. Most use VOO, VTI, VT, etc. (or target retirement date funds, which track VTI or something equivalent). None of these ETFs changed their rules for SpaceX. SpaceX isn’t going into the S&P500 (yet), and for broader “total market” funds, they’re just like any other stock, accounting for an immaterial portion of total market cap. It seems like you’re just repeating misinformation you read on Reddit.
I highly recommend the [Financial Order of Operations](https://moneyguy.com/guide/foo/#7-hyperaccumulation) for not just investing but general financial literacy and priority. It’s great if you are investing aggressively and getting a 10% return, it’s bad if you don’t first pay off your credit card debt with 25% interest so you’re losing more money than you’re growing, or you didn’t first build an emergency fund to handle the little surprise expenses life throws you and you have to pull money out of your investments. In terms of what way to actually invest, I highly recommend the [3 fund portfolio](https://www.optimizedportfolio.com/bogleheads-3-fund-portfolio/?gad_source=1&gad_campaignid=10886055113&gbraid=0AAAAACPYnC6gFzivnN-AeQgEAzjrRXjev&gclid=Cj0KCQjwio_RBhDMARIsAJPveNPg67JDp3ImRsx7BkqroO_gAI2xRVosB4Epp3u9It3_7MtQ6_RMS8caApl5EALw_wcB) for maximum simplicity, maximum success, and minimum worry/effort. Buy low-cost broad market index funds, get one each for US stock market + international stock market + bond market, ideal funds are VTI/VOO/SPY + VXUS + BND/GOVT/VGIT or even simpler VT (total world so US and international together) + bonds. When you’re young you want way more stock index funds than bond index funds in your portfolio, for reference I am a 95/5 ratio of stocks to bonds and 29yo, and I’d be 100% stock if not for my 401k target date fund having a small portion of bonds anyway. When you are near retirement, about 10-15 years away, you adjust your ratio more to bonds. It’s preference what that retirement ratio will be, I plan to go to about 75/25 or maybe 80/20 depending on how I feel my risk tolerance is in my old age. Hope that all helps!
I’m agreeing with you. Figma was included in VTI and other ETFs a month after it IPO’d and was dumped immediately by insiders. Absolutely tanking the price
All at once into VTI or SCHG
They are being included in all the other major market indices like VTI or nasdaq 100. I think most balanced fund type 401ks still will buy
Hey I’m not saying I’m touching it. But I understand it’s not gonna crash VTI to 0 like some people think because it’ll make up 0.1% of vti.
How can most of it be in VTI but you lose 10% on one day?
I have been taking gains in bunches and dumping into VTI/VXUS.
So if I hold VOO I am safe but not if I hold VTI/VT?
Trust me, most of it is in VTI/VXUS now. I’m booming with you now lol
An initial investment of $220,000 in [VTI](https://investor.vanguard.com/investment-products/etfs/profile/vti) five years ago, with all dividends reinvested, would result in a current balance of approximately **$390,000**
Hi, I am looking to rebalance my 401(k) portfolio and reduce my exposure to SpaceX. I am considering shifting toward S&P 500 index funds (SPYM) and VXUS instead. Does anyone know whether VTI, VT or other total-market index funds would include SpaceX immediately after it becomes publicly traded, or whether they have better eligibility requirements similar to the S&P 500? Thank you.
but for real though: set up automatic investing so you buy VOO or VTI with every paycheck. Set it and forget it, don't touch it. if you really want to pick individual stocks, give yourself ~10% of your portfolio value for picks.
If you specifically buy the S&P, if you buy things like VTI youll be impacted
I know, I meant 10 on top of that. Though, even with these 3, it does make me consider changing my primary US index holding to a mixture of VOO/VXF instead of VTI.
It will be included in VTI after 5 days.
They don't start with six figures to throw away. They start with saving money bit-by-bit like you're supposed to. Then at some point you realize you've saved up $5k or $10k, but that's just sitting in a savings account ticking up slowly. Now obviously withdrawing that $10k we've saved and taking it to the casino and gambling it would be stupid. Most people probably wouldn't do that and if they *did*, they probably wouldn't blast it publicly on the internet. But *stocks*? *Investing*? That's not gambling, that's called being smart. So as long as we are technically investing, we can take that $10k out and throw it at whatever gambling we want, and just tell everyone we're "researching" and "investing". Want to bet $10k on Polymarket? That's investing! Want to bet $10k on Elon via Tesla stock? That's investing too! Want to bet on a bet by buying $10k of 0DTE calls? That's super investing because it's options! But you and I both know that there's a huge difference between 0DTE options and legitimate safe investments, like even throwing the entire $10k into VTI and walking away. That's why we can recognize that buying 0DTE options and going in more and more until the bet either wins or we're at $0... is much more gambling than investing. And just like any form of gambling, it's obviously not a smart financial move, whoever you're betting against has the advantage... that's why it's gambling. But that doesn't mean your $10k vaporizes instantly, sure some people's will, but not everyone's. And once our $10k bet luckily turns into $30k... well now we're obviously not gambling because we gained money! Now it's investing! Now we repeat with $30k and do some more super-investing via 0DTE options. Some go to $0 (failed gamblers), others go to $70k (successful investors). And on, and on, and on. Just like at the casino. And most people doing this will eventually drop to $0 unless they are one of the few incredibly lucky ones that won (almost) every single 0DTE bet they made. Just like the casino. And now we realize that OP was never investing. They were always gambling.
Pretty safe: VOO Safe: VTI Safer: VT Safest: An overall fund that includes both US and ex-US equities and bonds, such as the Vanguard Target Date (e.g. VTTSX) or LifeStrategy (e.g. VASGX) funds.
He said he was down 11%. I doubt he holds VTI. Recovery time could be 2 trading days or never. A learning experience, we’ve all been there!
You don't want to, but that's what a broad index fund does. VOO/VT/VTI buys what people buy.
I am a VTI holder and trying to learn about stocks. pardon my ignorance please. my understanding (based on reddit knowledge) is that most people buy and hold stocks. but after reading the comments here, it does not sound like that. do you all buy and sell frequently instead of buying and holding ?
You're not doing anything wrong, but you're overcomplicating it. With 11 ETFs in a Roth IRA, you're creating overlap that makes rebalancing harder without adding much diversification. SPY/VOO/VIG already cover the large-cap space, ARKK/ARKQ/DRAM are all thematic overlap, and buying $1/day of each means tiny positions spread too thin. Simplest fix: VOO (or VTI for total market) as your core, maybe 10% in a small/value tilt like AVUV if you want to factor-tilt, and treat ARKK/DRAM as a < 5% fun-money allocation if you believe in the thesis. You'll have fewer positions to track and the compounding on a single $11/day into VOO will be easier to manage.
Ok, what are you going to do with this change? Sell VTI and buy VOO or VXUS to avoid owning 0.1% Space X? This inclusion is going to have no noticeable impact on VTI’s trajectory. There’s a ton of stocks in VTI and many aren’t desirable already. There is no reason to stress about this, any more than you might stress about Meta or MSFT being in there. Hell, MSTR might even be in VTI.
I just DCAd more into VTI. Grit your teeth and buy, then check back a few months later.
There's a couple options depending on what brokerage you use. Just do VT (Weighted world fund) if you want a one stop shop or VTI/VXUS (Total US/Total International) or whatever equivalent ticker at a 75/25% ratio if you want a US home bias tilt. There's also an argument for a 80/20 ratio of something like VOO + AVUV if you want to tilt to small cap value but have a majority of your holdings in the SP500 if you believe in the value premium model. International allocation is optional but recommended just for diversification and to avoid currency risk in a single country. Anywhere from 15-35% is fine. Doing pure SP500 is also fine. Want to avoid trash small cap growth companies and rugpull IPOs? DFUS is an active managed total US fund but with a very low 0.09% ER vs 0.03% VTI which is insignificant. As long as it beats VTI by 0.06% a year which so far it has then it's worth. Nobody knows the future though. Boomer index investing is boring and has low consistent returns, but you also won't fuck yourself trying to beat the market. Consider slowly adding like 10% bonds depending on your age too.
77k is still a lot of money @ 35 y/o I went from 0 to 74k in 6 years passive investing, but I'm already 38 years old. So you're still a winner. Put everything in S&P 500 or VTI until you have 500k and then just let it ride.
I'm mostly all in VTI so this isn't that bad, good day to buy!
😂 I trusted my instincts and sold part of my long term holding of VTI on Tuesday.
That’s VOO, not VTI. VTI tracks CRSP all-US. It roughly correlates with VOO/SPY/SP500, but has different inclusion criteria and is much less concentrated, since it includes all capitalization size brackets, basically all US stocks. They are totally different indexes, though the end result is about the same for investors.
How much actual exposure would you have had? For what it's worth I asked ChatGPT to show me what the potential exposure of VTI to SpaceX per $1M invested: | SpaceX Weight in VTI | Effective SpaceX Exposure | | -------------------: | ------------------------: | | 0.07% | $700 | | 0.09% | $900 | | 0.11% | $1,100 | Much less than I thought
What about VTI? .08% exposure is too much.
Thank you for the feedback - I readjusted my portfolio and currently running 55% VTI, 35% QQM, 10% VXUS
I have some VTI and I think I might just switch to VOO completely.
I guess you'd could call large cap growth picking a winner but there are quite a few of them that have beaten VTI over the past decade by 2-3% annualized. That does not mean I dont believe index funds are a bad choice. For the last time, I advocate looking at returns rather that ER. You can do it however you choose. My way allowed me to retire early and continue to do well after.
Life is short and it’s easy to get lucky picking stocks or sectors. Many people have, many have lost a lot trying. There aren’t any etfs where the expected risk adjusted return is several points over VTI.
What about VTI and other large cap and total market indexes? Will it be added immediately or also on pause?
Been in VOO and VTI for several years now and my returns have eerily matched the return charts down to the 100th of a percent. It's crazy.
My dad died a few years ago so I took money I got from him and split it into VTI and VOO as those were the two funds everyone here said put money in, you can't go wrong so I wanted to see how they both do compared. I am up 76.78% in VOO and 73.91% in VTI so my opinion, go with VOO if debating between the two.
> But the funds you feel will outperform over time will more than offset the ER difference. Will they? Do feelings dominate market fundamentals? Why would a mix of high cost funds like IEDAX/NLCAX beat a simple low cost fund like VOO or VTI?
Having 99%+ in metals/miners is extremely concentrated. Even if you believe strongly in a commodity supercycle, single-sector portfolios can swing 30-50% in a commodity downturn. A more balanced approach would be something like 60-70% in a broad index fund (VTI or VOO) and 30-40% in your conviction plays across metals/miners. It still gives you significant upside to a commodity run but protects you if the thesis doesn't play out for a few years. Think of it as "right size, not no conviction."
Sweet, thank you, glad to know VT and VTI are not changing their inclusion rules!
Early 40s here. $1.1M in 401k between the wife and me. $200k in brokerage in VTI and FXAIX. House will be paid off in 7 years but with 2.5% interest rate. The hardest thing for us to do right now is stay patient. Cannot tell you how often I want to sell the FXAIX position and put it into tech. The wife wants to sell the position and remodel the house. I keep using AI to project retirement strategy and know that if we literally do nothing, we can retire easily at 58 with a large travel budget. That's where we're at, just do nothing. Especially don't do anything stupid, and we've made it. So of course I'm lurking in this fucking sub...
Most index ETFs are market cap float weighted, so your analysis is off. For instance, Nvidia makes up 6.6% of VTI. SpaceX, by virtue of its IPO valuation above $1T will instantly be between 0.1% and 1%. Still small (because of the small float) but larger than 0.001% you’re saying it will be.
VT and VTI are total market funds. Your disappointment is with the market highly valuing these companies, not with the funds.
Theres’s non-news. What does VOO hold? What does VTI hold? Both will continue to work the same way as they always have.
VTI is advertised to include all US stocks, or nearly so. It will work as expected, inclusion in an amount proportional to floating market cap. So, a few tenths of a percent weighting in VTI.
Why shouldn’t it be happening? VTI’s entire point is to indiscriminately hold every US stock in amounts proportional to their floating market cap. That’s how VTI is advertised, so hopefully you knew that when you bought it.
Yeah, that’s kind of their goal, and it’s how the fund is marketed. Same with VT. Only a meathead would be surprised that their VTI position will include like 0.1% Space X, or whatsver it ends up being.
Who's moving their VTI allocations to VOO? There's no way to do it without incurring taxes in a taxable account, right?
I wonder how much difference this makes in the amount of shares that indexes (and closet index funds) were going to have to buy. It must be pretty significant. Too bad VTI has that 5 day inclusion though.
VOO will follow what the S&P said and not fast track. VTI does not follow the S&P benchmark, it follows a CRSP benchmark (Morningstar).
VTI is pretty much all US stocks though so it wouldn't be surprising to see it included.
VTSAX is the same thing as VTI, just a different share class. It's total market so it will be including it, as a total market fund should. It weights by free float so that's only $75b, it won't be a large chunk of the index.
I am actually just switching future purchases away from QQQ and VTI Sp500 (VOO and IVV and DFUS) they are all supposed to not buy SpaceX until approx 12 months after ipo. We will see - news media and social media have both gone back and forth on if sp500 will or won't buy it before the 12 month rule - but that still keeps going back and forth as of today.
Does that mean VTSAX (the Admiral Shares mutual fund equivalent of VTI) will get it too?
nah, VTI is a US bet, VT is a world-diversified portfolio, pure market return capture without any specific bets
Depends what they track, VTI tracks CRSP which will have SpaceX after 5 days, VOO tracks S&P which won't have it immediately.
Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.
VTI tracks the CRSP US Total Market Index, not any Russell index. Space X will still probably be included in the CRSP after 5 days though
But they at least are doing it by float. That actually means the impact on VTI will be fairly small despite the high validation because companies like SpaceX are only going public with 5% of their total shares.
VTI has always been 5 days, though. Its goal is to hold the entire market, so it would be wrong of them to make special rules to exclude space x and friends, just like other indexes shouldn't create special rules to include them.
Is there any news about VOO/VTI?
It’s scaled to the available float so ScamX will be about 0.3% of VTI.
VTI is whole US market ETF, SpaceX is in US market. So it should be included as intended
Good luck!! I’m up 21% ytd and no sectors interest me right now so I’ll concede the equity risk premium to bonds and a small amount of VTI until an 8-10% retracement of the broad market. I won’t chase anything. Abundance mindset.
I moved out of VOO (s&p500) over to VTI (us total index) but maybe it’s time to consider VT (world total index)…
SpaceX wouldn't hit VTI as hard as you think regardless of whether it's worth $1.75T. Both indexes are float-adjusted, not full market cap. SpaceX is overwhelmingly insider held (Musk plus early VC not to mention the dozen plus share classes), so only the publicly tradeable float gets weighted, not the headline number (CRSP p. 12). It also needs at least 12.5% float just to be added (CRSP p. 10-11). So a $1.75T company with a small float is a much smaller index weight than $1.75T implies. And nothing gets added at full size on day one anyway. CRSP has a seasoning rule (\~20 trading days before ranking) and an IPO lockup rule where locked shares stay out of the float until the lockup expires, using conservative registration statement estimates for the first 180 days (CRSP p. 10-13). The initial weight is built off that and not the full cap. Like I said, VTI tracks CRSP Total Market which has no cap on constituents and just adds names by float cap, spreading the impact across the whole market (CRSP p. 14). VOO and SPY track the S&P 500, a fixed 500 count, committee picked index with extra screens like positive GAAP earnings (S&P p. 8, 12) so a new entrant there actually displaces someone unlike VTI A partial float of even a $1.75T company lands as a single digit percent name at most, not the drastic shift you're picturing for VTI. [https://www.crsp.org/wp-content/uploads/guides/CRSP\_Market\_Indexes\_Methodology\_Guide.pdf](https://www.crsp.org/wp-content/uploads/guides/CRSP_Market_Indexes_Methodology_Guide.pdf) [https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf](https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf)
VTI is whole market ETF and SpaceX is supposed to be on it. I don't know why people complain about it.
Fuuuuck… how do I move my VTI into VOO :/
They use different benchmarks. VTI follows the CRSP US Total Market Index. VTI has a different methodology, the weight % wouldn’t have been as drastic anyways.
Does VOO not have SpaceX in its portfolio? I thought the big funds like VT, VTI, and VOO all had the Mags in them?
How does this work for VTI?
Negative. Do some research pal. For example VTI, which tracks the CRSP US Total Market Index has long had a fast-track IPO inclusion of 5 days
looks like I am no longer investing into VTI and will DCA into VOO instead.
VTI and VT are always 5 days though. They aim to index the whole market, they're working as intended.
Put the rest in VTI and go touch some grass I guess
So is it only QQQ that will have to take SpaceX? What about VT and VTI?