VTI

Banned3rdTimesaCharm

Just put as much money as you can however you can. You said you’re in a high income bracket, max IRA, max 401k pre and post tax, anything else you don’t spend just dump into VTI or similar. You’re overthinking this whole thing.

amg-rx7

This! DCA is mostly for index or broad market ETFs like VOO and VTI. Not for stocks.

Same_Bag711

Well I maxed my ROTH a few weeks ago and put it all in GOOG and that’s gone up a decent amount in the last week. I’m mainly invested in VTI, NBIS, CHPY, and AVUV.

derprondo

One of my accounts is 100% VTI, 55% of my gains for this year are from today alone.

Careful-One5190

Forget those "business" ideas. It's obvious you could make 6% on that money by paying down the mortgage. You could put it into an S&P 500 index fund and PROBABLY double your money in 8 years. That's obviously not a guarantee, so keep that in mind. We could have a recession and you could actually be down, right at the time that you need the money. Typically the "VTI and chill" philosophy is valid for longer time frames, but is risky with only 8 years to work with. The safest route is SGOV which would only yield 3.5-4%, but is basically risk free. It's probably the best place to "stash cash" that you might need quickly, but earn a fair yield until then. It's also a great choice for your 6-12 month emergency fund.

Available-Mine3957

It’s up 1 percent today. That’s not going to make a difference in the long run. If you want to stay in VTI, just buy it again. Pretty low consequence mistake

EmbarrassedTale9326

Starting at 20 with a 401k match is a massive head start. Since you have 5k ready, I'd suggest looking into a Roth IRA alongside your 401k. For learning the ropes, check out the Bogleheads wiki or the Investopedia guide for beginners. It's usually best to stick with low-cost index funds like VOO or VTI while you're still learning. Don't rush into individual stocks until you understand how to read a balance sheet.

RogerBalderer

My returns on VXUS are double my VTI returns.

drew-gen-x

I think you have that backwards. $VXUS + 9.6% YTD. $VTI +2.1% YTD. World ex US has outperformed World plus US for over a year now. It's the DXY devaluation trade. Inflation is worse in the USA than most other countries due to USA leading the world in money printing goes Brrrrrrrrrrrrrrrr

InjuryEmbarrassed532

VTI ahead of VXUS YTD…

MJinMN

They don’t manage it differently. It is the same basket of stocks with the same exposures as the index it tracks. There isn’t a substantial difference. If you want to harvest the tax loss, sell a 500 index fund (VOO) and buy a total market index fund like VTI. Those are similar but different.

InternetSlave

Continued to DCA into VTI

jonnno_

IRS says they must be “substantially different”. I’m not a financial adviser or tax lawyer, but in practice I interpret this to mean that two funds different indices are OK, two funds of the same index issued by different fund managers are probably OK, but two funds of the same index and issuer but different classes (eg. VTI and VTSAX are probably not OK.

Jayrandomer

So you made roughly 4% in a year VTI was Up 17%?

hl_lost

ngl if you've been stagnant for 20 years it's almost certainly from picking individual stocks, not from lack of a robo. a target date fund or a simple VTI/VXUS split would've solved that without needing SIP at all. the cash drag is the real dealbreaker imo — 10-20% sitting in mm rates while the market's ripping adds up fast over time.

MrMeeSeeksLooks

Yeah you dont have this. Sell for VTI..

Ok_Juggernaut3043

They keep way too much money in cash.. you could easily just do something like VTI and VXUS and be better off

Icy-Sheepherder-7595

If I had the money back in 2020/22 I would've been buying then but I was still in school. I started buying MSFT at $400 although kind of jumped the gun. That $360ish range was golden in my opinion given the earnings. And funny you say you put the profits into QQQ. My idea was maybe if I can get some easy returns, it all just would go back into VOO/VTI but we'll have to actually get there first.

BeginningFriendly338

this is the textbook definition of diworsification lol. VTI literally holds every single US stock that is inside VOO, VOOG, SCHD, VYM, and VIG. ur not covering more bases, ur just buying the exact same large cap companies wrapped in different packaging,personally i combined wth the private tech like vcx for exposure so you can just buy VTI and chill

Gaso_Lina

I will not talk you out of it? What are you gonna do? Invest it all in VTI like a fucking loser and hope you retire at 93?

micha_allemagne

There’s a lot of overlap between these ETFs. Some people already suggested VT which is a great option to simplify all of this into one fund (minus the bonds). What’s your reason for the bond ETFs in there? Lower risk appetite? Shorter time horizon? I’d bring VTI and VXUS as alternatives to VT if you ever feel you want to have more flexibility over regional allocation between US and International. Here’s how those two look like in 70/30: https://insightfol.io/en/portfolios/report/6c1ebd63fa/

EveryPassage

VOO and VTI are 90% the same. SCHD, VIG and VYM + VOOG sort of just mimics VOO when put together. 10% international equities is pretty low.

Ahamadrayasbaboon

I’ll leave you with one example. VTI. Convince me that it does not contain any private credit companies.  After you answer, I’ll go ahead and name one. 

Limp-Board-1019

Cool, then if you've followed that flowchart and are ready to invest I'd recommend researching total market index funds like VTI and VXUS. Lots of discussion can be found on them on r/ETFs.

Chrishall86432

Go look at the volume on something like VTI. Everyone’s just waiting, digesting. Even the algos. Even the leveraged funds are relatively flat this morning.

BobWileey

Bogleheads or: How I learned to stop worrying and just buy an index fund. Stage 1: Sell because fear is high. Stage 2: Regret. Stage 3: Come up with some sort of complicated options strategy to earn premium to recoup the losses Stage 4: Options strategy loses you even more cash. Stage 5: Invest the rest back in VTI and realize that you should just do nothing and would've likely been much further ahead of where you are now.

Blueberryburntpie

Or more specifically, why should I retain my VTI holdings when it is likely Vanguard will comply with the IPO fast track rule?

setzer

Yeah I'd sell and just lump it all into VTI or equivalent index fund. There's no guarantee, but good chance that over 30 years, you'll make more than leaving it all in SpaceX. Maybe keep 10-20% if you think SpaceX will considerably outperform the wider market (very unlikely imo but what do I know)

dimdada

A fund like VTI, should be a long term set & forget it. I wouldn’t be trading in and out of it.

AcceptableSkirt4845

Great job, the earlier you start the better! (I can speak from experience. Here's some advice I would give to my 20 year old self. Start simple, VTI and Chill, then go from there.

Aware-Excitement8215

your edge is your age. put that 8% match in, keep emergency buffer, then auto-invest VTSAX or VTI and stop checking it...

Freezman13

Try reading more than 1 sentence at a time? > I went VXUS 12 years ago, 30% of the amount I had in my brokerage account at that time. The other 30% went to VTI. It's called diversification.

bjxxjj

honestly this is like the classic “try to time the market” lesson, most of us have done it at least once. if you still believe in VTI long term, you could just buy back in and treat it as tuition for learning to stick to the plan. you’re young, this won’t matter much in 20+ years.

myrrhsea

It sounds like ETFs will be a better fit. You can get the whole U.S. market with something like SCHB/VTI//SPTM and get the whole international market with VXUS. This way, if check your account and everything is down, it's just because that's how the whole market is performing today. You learn to see downturns as discounts for your ETFs, and buy while they're on sale. Buying and holding is less stressful and requires less discipline. You don't have to worry as much about researching companies or finding out too late that you still didn't account for some metric and how it related to other metrics and this or that headline combined with its correlation to some other sector.

bjxxjj

i’m way more boring lol, like 90%+ in total market ETFs and a tiny slice for individual stocks just to scratch the itch. every time i try to get fancy i end up underperforming VTI anyway. keeping most of the roth in index funds feels like the safe move tbh.

Acrobatic-Song-3151

Because they buy IPO’s very early compared to even spy. I’ve mostly been adding VT since last April and I’ll likely flip most of my Vti into Vt. We have at least a few months.  We don’t want to own space x or open ai.. open ai is really a dumpster fire and that’s a huge reason Microsoft is under so much pressure. https://youtu.be/6a9L-3Hiobs Cheers! Why VTI usually gets IPOs earlier VTI tracks the CRSP US Total Market Index, which: Includes nearly the entire investable U.S. market Adds IPOs once they meet basic liquidity + float requirements Often brings them in at the next quarterly rebalance (sometimes sooner for big names) 👉 Result: IPOs can enter VTI within weeks to a couple months.

ronnerator

I started buying VTI a little while ago. Why are you selling it? Sorry, I'm genuinely curious because I'm still pretty new at this. Thanks!

jk147

I wasn’t clear, context is really that VTI tripled in 12 years while VXUS lagged until this year. Since I originally had exposure for international I am just going to keep everything the same.

Beach-Knight

Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.

HipOut

But how do you know when to start adding VTI again or do you just wait plan to hold VXUS forever now? Personally I’m not interested in short term trading or swing trading my retirement funds based on how I perceive the news. It’s too much guesswork and I won’t always be right. Most people don’t beat the index over time. I just kept buying VTI and VXUS both during the dip

princemousey1

Okay, but my query stands. He’s trying to say international is better, but yet VTI 3x this year (which it didn’t), which actually supports the opposite position from what he’s saying, ie despite anyone’s feelings, US actually is better than international, even this year.

burn_bridges

In January I moved about 20% of my portfolio that was in VTI (domestic) into 10% VXUS (international) which needed done anyway for a healthier balance, and the other 10% into 3-month bonds at 4%. I just re-bought on the bonds for another 3-months earlier this week. Waiting and seeing. Maybe I miss gains on the 10% bonds, and that’s on me. Maybe I get to deploy them at a discount. Waiting and seeing, and the move is a portion of my portfolio I am comfortable straying from a 100% wait and see (as default).

Luxferro

I only have 5 shares. First one I bought in 2023 for about $300 to get a GEICO discount - saved a whole $5... April of 2025 I bought $2k of NVDA @ $95, and $2k of BRK.B at $500.... In hindsight I should have just bought all NVDA, or more VTI... Or just about anything else during the tariffs day stock sale.

jk147

VTI is US only. VT is the entire world.

AnselmoHatesFascists

I've kept buying, been slowly converting a small portion of SGOV over to VTI. I remember reading somewhere that missing the 10 biggest upswing days between 1980 and 2020 would reduce your overall portfolio performance by 40% or a crazy number like that. Made me realize that panic selling or sitting on the sidelines during turbulence might be the worst action.

princemousey1

I don’t understand what you’re saying. Isn’t VTI just VXUS + US? So if VXUS barely moved and VTI 3x, isn’t it saying US gained a 3x?

HelloTheirCruleWorld

26 Male: Brokerage: • 41.6% VUG • 18.36% VTI • 3.68% INTUIT • 36.81% cash Roth IRA: • 37% VUG • 63% VTI 403b: • 100% VIIIX

ZombieSalad

VXUS up 13% last 6 mo vs VTI up 5% last 6 mo, hope this helps.

__redruM

I usually keep 10-15% in international, but it’s never performed on par with my US allocation for more than a few months. https://www.composer.trade/etf-comparisons/VXUS-VTI

verbalsuplex

All word is VT. VTI is still just US.

BurtonAllen-TA

Something like 70% of the largest multinationals in the world are US-based (even if a ton of their income comes from elsewhere). VXUS isn't diversification, it's basically just a pure concentrated gamble against those companies. It's been great over the last \~14 months, pretty terrible over any other time horizon, and probably not something I'd call a "sound financial decision" - it's a bet. Bets sometimes win and sometimes lose. I'll take VTI diversification over a concentrated gamble against the biggest multinationals going forward.

BurtonAllen-TA

International (e.g. VTI) or fully ex-US (e.g. VXUS)? I've found a lot of investors unfortunately don't really understand the difference.

orsomeshitidk

VTI is up almost 30% in one year. Insanity. Of course you’re near personal ATH. Be careful

jk147

I went VXUS 12 years ago, 30% of the amount I had in my brokerage account at that time. The other 30% went to VTI. Well, VXUS barely moved till this year and VTI more than tripled this time. I guess I will just leave it as is.

Animag771

I guess it depends on what we are considering satellite positions. If we're calling core VTI and BND, then I guess I hold 50% of my portfolio in satellite positions. Every ETF I hold (5 total) has a job so I wouldn't really consider any of them a satellite position.

Yeti_Urine

He recommends VTI

dubsesq

No idea that’s why I just DCA VTI and VXUS

gryffon5147

VTI

fuzzypen

Played around with this year's Roth contribution these past two weeks. Made $700 off USO and $22 off MSFT. I should have just VTI and chilled with much less stress looking at the way everything is pumping.

Fragster2020

Raises hand. Lost about 35 lbs in only 3 months ...but I was also doing my morning runs etc. At 50, it's hard to dier/manage weight and I was borderline HBP. I used one of the vendors here on Reddit and ordered a 3 month supply (compound zepbound). That shit is real. Totally changes your brain chemistry and eatiing no longer becomes a necceity. More like inconvenience to eat. However, the GI issues are real. I had the worst acid reflux in my life cos it delays the food in your stomach so stomach produces more acid all day long. I had to go on heavty duty acid meds and even at that, acid burn in my throat. Once I reached my target weight, I stopped and have maintained it. I was borderline dx'ed with HBP pressure and after losing some weight. my blood pressure dropped to normal. Dodged a prescribed med for rest of my life. I work in healthcare as well and doctors are writing prescritions for GLP1 day and night and it's actually dropped our bariatirc cases as well (fat people losing weight and avoiding surgery). My sis-in-law gained tons of weight after birth and was always "heavy". She went on ozempic and dropped over 60 pounds in a year and looks like a totally different person. However, it's a trend and trend's dont last. I wouldn't start investing in it as I only hold stocks for long term. VOO and VTI for lyfe.

roma258

I have Google, VTI and VXUS as my fundamental stocks/ETFs.

CharmingMix757

if you want true set-and-forget, broad ETFs like VTI or SCHD are boring but reliable. you could also look at Alinea Invest if you want somthing that automates stuff for you instead of picking individual stocks. those small caps you listed have potential but also way more risk of going to zero over years.

Over-Computer-6464

IMO you have a good plan. I would consider 2 years of expenses in cash like holdings and the rest of your portfolio broad market stock ETFs like VTI (US) and VXUS (international). I would not bother with bonds or bond ETF. Research carefully the optimum times to start taking social security, particularly if there is a big difference in the benefits of you and your spouse. In that case the lower earning spouse can start taking social security early and then when the higher earning spouse starts benefits at full retirement age or later the lower earning spouse can switch to start collecting 50% of the other spouses benefit. (Rule change and ai just have a crude understanding, so do your own research).

chichiharlow

If you VOO or VTI and chill, don't worry about it, just keep DCA. I'm in high beta names and tech stocks, so I do try to time the market. Friday CPI estimates are coming in hot. It's likely going to be a market crusher. Trimming into this rally to buy lower.

PonticGooner

Hey at least I’m knowingly doing something dumb. And so far it’s working out. Based on the math, I’ve not contributed in three years but my gains are equal to maxing out my contributions and being 100% in VTI in that time.

MajorTear1306

i think outperforming the market and not wanting to spend time are polar opposites tbh. wall st pros do this 80 hours a week with supercomputers and most of them still lose to the S&P 500 over a 10 year period. ​if u actually want work-life balance, just DCA into VOO or VTI and go enjoy your weekends. but if u really insist on picking individual stocks, use finviz for screening and read the actual 10-Ks. there are no shortcuts to alpha.

velamind

VTI & chill brother. Never sell it.

Daymjoo

You're not supposed to ever sell your VTI :D That stuff is long. Imo, it's still pretty cheap, you missed out on what, 2%? That's your lesson, take it as such.

tyen0

oh yeah, well I gained 37% in just 1 year with VTI! (mainly because of the big dip 2025-04-08)

Ok-Outside-8419

I put $500 into a vanguard brokerage. I truly don’t remember how I selected what I did but the breakdown is BND, BNDX, VTI, and VXUS. Maybe I selected a target date fund? I don’t see that listed anywhere. Anyhoo, there’s $13 listed in the settlement fund section. Should that be reinvested automatically? Do I need to do something? I haven’t added any money to it since I opened it. It says total is $594. So it is being reinvested? Do I need to pay taxes every year? Is any growth considered taxable income? Is a brokerage worth it? I might just leave it and not add if it’s too complicated 😵‍💫 I max my Roth and invest to my 401k so thought it’d be good to have a brokerage. But it’s stressing me out! I just want ot set it and forget it like the other accounts

Vikkunen

Dimensional doesn't have a direct analog for VOO/SPY. DFVX is probably the most similar, but it uses a severely trimmed-down (only 300 or so companies) subset of the Russell 1000 instead of the SP500, so it's not really apples to apples. Its company weighting also differs substantially from a true index, with a few big names like Nvidia and Apple, for example, only having a fraction of their market weight in representation. The most index-like Dimensional US ETF would probably be to use DFUS as a stand-in for VTI. If you really want an "active" index that applies some modest filters while still remaining largely true to market cap, maybe look at AVLC from Avantis. It also roughly uses the Russell 1000, but holds 700 or so companies at market weights that feel a lot less like stock picking.

leftygrooviness

It's a great day to have lots of $$ in VTI

ThePermMustWait

We inherited an acct for Raymond James. Similarly concerned about fees but decided to keep it there for a year while we figured it out. We switched it to fidelity to manage on our own. I wish we had done that from the beginning because they were way too conservative and we lost out on gains from tech last year we would have had had we invested in VTI, VXUS like we wanted to do with it. They talked us out of it. We also got put into some buys that we can’t get out of for a couple years which is very frustrating. Then we had fees. Anyways, it’s noble to try to protect yourself against making bad decisions but I think if we had done it on our own, we wouldn’t have done anything bad in hindsight. Really think about what you would do, not what is typical advice after a loss. 

crazybutthole

How in the fuck do you see trump taco ten times in a row AND see it's taco Tuesday - and yet you decide to rely on some coloring book lines on a chart to go all in? That's just fucking stupid. I don't care if you are the best technical trader in history - trusting trump not to taco is fucking dumb at this point. I bought $10k worth of shares/ETFs (mostly VOO and VTI) - because I don't know shit about technicals but I know tacos.

midgetgrimm

Alright, so over the last few years I changed jobs, and I have put all my rollovers in one spot. So here is what I have, and I feel like having this in individual stocks like this is not ideal. Should I be putting this in an actual retirement fund like a 2045 or something? I would rather set and forget these and just contribute to them now each year. So I have my current job which has a 401k that i contribute 12% and they match 4% in. That is separate from this conversation of my two rollover IRA's, one rollover and one roth, totaling about $28,203.36. When I consolidated them I had paid for an advisor and he chose the stocks to buy, and some did really well, but then he started trying to upsell me on some insurance stuff I didn't want. The only things I have added on my own volition to these are the SPY, VTI, and VXUS since then. I am just looking for some guidance, or questions I need to ask myself that I am not seeing or doing. The first one is the Rollover IRA: $11,459.97 (overall: -$1,451.93 / -11.25%) * CRWD - CrowdStrike: shares: 6.066 | cur val: $2,567.31 | %acct: 22.40% | g/l: +$331.51 / +14.82% * MSTR - Strategy Inc: shares: 10.391 | cur val: $1,285.57 | %acct: 11.22% | g/l: -$2,714.34 / -67.86% * NVDA - NVIDIA: shares: 27.413 | cur val: $4,882.25 | %acct: 42.60% | g/l: +$882.30 / +22.05% * RDDT - Reddit Inc: shares: 7.566 | cur val: $1,067.86 | %acct: 9.32% | g/l: +$100.97 / +10.44% * SPY - S&P 500 ETF: shares: 2.513 | cur val: $1,656.61 | %acct: 14.46% | g/l: -$52.37 / -3.07% The second is the ROTH IRA: $16,743.39 (overall: +$3,126.65 / +23.01%) * AVGO - Broadcom: shares: 14.155 | cur val: $4,727.34 | %acct: 28.23% | g/l: +$2,227.48 / +89.10% * NUE - Nucor Corp: shares: 16.211 | cur val: $2,808.71 | %acct: 16.77% | g/l: +$188.16 / +7.18% * RCL - Royal Caribbean: shares: 18.002 | cur val: $4,819.31 | %acct: 28.78% | g/l: +$819.45 / +20.48% * VTI - Vanguard Total Market: shares: 12.955 | cur val: $4,215.94 | %acct: 25.18% | g/l: -$117.55 / -2.72% * VXUS - Vanguard Intl: shares: 1.845 | cur val: $143.94 | %acct: 0.86% | g/l: +$9.11 / +6.76% I also just realized that I can and should be contributing to these every year, up to $7,500, which I plan to do this year. I just want to do it right and according to my goals that I don't think I am set up for. Thanks in advance to any and all help, much appreciated!

graavejrsdag

VOO/VTI and chill. Always +50% of your portfolio, the rest you can blow off on whatever shit stocks you want, i choose RDDT, also down 40% ytd

JeffB1517

Obviously if they go public at these valuations totally transparent indexes like VTI get in. Though they do float trade so it happens somewhat slowly. But SP I'm not following. What happens in your mind to finds line VXX?

thereddituserusa

VTI and VXUS. VOO is already part of VTI. You get broader diversification with VTI.

Swred1100

They have underperformed historically. They are too conservative, and expense ratio of 0.25% is awful when you can get better returns in VTI with 0.03%. It’s my personally opinion that, at least for your average person planning for retirement, you should be 100% equities until 50, or 10 years before you retire. Me personally, I plan to be 100% equities until 3-5 years before I retire. Target date funds start shifting way too soon.

GoalCivil1064

Honestly, for long-term growth, VOO or a total market fund like VTI works fine. Keep it simple and stick with what you’re comfortable holding for decades.

ChaplnGrillSgt

VTI or VOO. Set and forget. Once you get older, you'll want to rebalance to be more conservative. But at 25, go aggressive. You can absorb losses and have time on your side. Keep it up and you'll be a millionaire in no time.

jboy9622

Honestly for me since I’m invested in Vanguards TDF in my 403b I don’t mind it since my job doesn’t offer a match so I’ll just throw money into it and just forget about it. I’ll just focus mostly on my Roth IRA which is invested in VT and taxable that has VTI and VXUS.

Immediate-Run-7085

Just put it in VTI too. FYI target date funds are usually crap

SumthingBrewing

Nice suggestion. I’m hadn’t heard of AVUS but it looks like a better alternative to VTI. Just bought some.

bjxxjj

yeah this hit. holding VTI through 2022 was way more of a psychology lesson than any book i read lol. turns out the hard part isn’t picking the ETF, it’s not messing with it every time the market freaks out.

AnnaSmiled2

I am in VTI and SCHD. And XLE, USO and FANG. The last three are energy focused

350

>!Dollar cost average into VT or VXUS/VTI and chill, seriously.!<

Accurate-Release-861

Is this how you guys buy stocks? Wow, Dell has much less potential of returns over a year 3 year period than the VOO and VTI index funds. Dell's server business is no longer the lucrative business it was - Dell had a good 15 year ride when Intel's CPU server business flourished in the PC era. Look at their AI data center expansion strategy. It is not promising. The problem is that they are trying to change the narrative to being an AI server business. They are worse than the new competitors like Nebius and Coreweave and others since building AI datacenters from scratch are much easier than refactoring existing ones. Technology wise they are inferior in the AI era. The only thing that can work for them is that Dell himself is a cunning businessman as Larry Ellison so till Trump is in office, he will bribe his way through the deals. What happens afterwards, no one knows.

cheddarben

I have been using EQL. Cost is a bit higher and it doesn't eliminate this, but it at least makes sure you are diversified, unlike a SPY, VOO, or even VTI.

ilovbitreum

All you gotta do is DCA into VOO and VTI, but bro be snorting lines.

Mean-Imagination6670

Should just be doing VOO/VTI. Easy as that. They’re good ETF’s, rather than just three stocks that may be a little hot now but might not be in 1 year, 5 years or 10 years

shoejunk

I’m shifting to Avantis funds. AVUS, for example is similar to VTI, but they’re not strictly pegged to an index, they don’t buy companies as soon as they IPO. Rebalance timing is at the discretion of fund managers so institutional investors cannot game their buy and sell behavior. And they have a small value and profitability tilt (so Tesla is 0.75% of the portfolio instead of 1.72% in VTI, for example), but it still falls within the large cap blend style box on morningstar and the performance is very close to VTI.

-Teto

I repositioned into VTI/VXUS when they were down 10/12% respectively. I expect more downturn. Also, I'm so fucking sick of seeing these bot posts. Only a bot uses “ and ’

Dry-Preparation2983

It's real simple. Buy low, sell high. As in start buying tech as it goes down, hold/trim energy, oil, gold, staples, whatever is in Vogue. Buy low, sell high. It is THAT simple. If You can't get your head around that, Buy VTI and uninstall. Simple.

WAtHome

Why are you buying individual stocks for the long term? And those are terrible choices as we speak. But VTI/VTI instead.

ra__account

You can build your own with various brokers. Take an index that you like, clone it minus the ones you don't like, and let it rip. One of my Muslim coworkers does this - he's forbidden to invest in FIs so he copied VTI other than FIs in M1.

teerre

Probably because it has been asked and answered a million times and the answer is that it doesn't? Most funds that boggleheads use won't be affected by this (VXUS obviously, VTI, VT) more than affected by a company like Tesla today

BaggyLarjjj

Get out of any etfs / mutual funds based on the Nasdaq (QQQ, VTI etc). Elon forced a rule change so he could [dump his bags on retail passive investors](https://finance.yahoo.com/news/new-rule-could-fast-track-spacex-ipo-for-nasdaq-index-inclusion-172327734.html). He’s also rolled up a bunch of other BS into SpaceX basically doing the same thing (xAI, Twitter, buying fucking cyber trucks). If you want to stick with Nasdaq without the IPO retail bag holding consider DFUS or something that does add the IPOs with the new rule change. Some other discussion here: https://www.reddit.com/r/investing/comments/1sd0x3g/avoid_fast_track_ipos_while_keeping_broad_passive/?solution=b01a01fb9983307db01a01fb9983307d&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da5861b0f0cec01367a79087a4f23d0743f855

TheOliveYeti

Now look at how VTI or VOO have performed since 2018 and ask yourself why you're still trying to pick winners

InvestingNerd2020

WTF! Just do a simple 2-fund portfolio with Vanguard. They offer fractional shares for their ETFs. - VTI with 80% allocation. - VXUS with 20% allocation.