VTI

i8beef

Honestly, because I can remember VOO, VTI, etc. but have to look up the random combination of letters making up the Fidelity equivalents every time.

CuddlyWhale

This is exactly my strategy. 26 y/o, been 50% VOO 50% QQQM for the last two years and will be the plan going forward for at least the next 5-10 years. I will reallocate more into VOO (likely some VTI) with age, and trim QQQM as market conditions change

empiredude

In last 30 days my $VTI portfolio is up 2.47%. It's down something like 1.5% since beginning of December. I prefer the up-and-to-the-right green escalator just as much as the next guy, but this month hasn't been brutal.

crazybutthole

>Continuously improving my portfolio helps me better adapt to these shifts. actually - alot of studies and common knowledge says - if you buy quality companies at fair prices or wide market ETFs like VTI or VOO and just hold them for a really long time - you will far out perform trying to "continuously improve your portfolio"

maarifamoney

About your age and did something similar. About 80% VOO/VTI and kept the other 20% in a target fund. Although I think it’s better at 100% S&P given the young age tbh

Icy-Butterscotch-206

2 chicks at the same time. The rest goes into VTI/VXUS for retirement.

Helpful-Staff9562

The haystack woudl be VT not VTI. USA isnt the only country on earth

carjunkie94

Stop gambling and start investing NOW. Take that money and put it into VOO/VTI, set up auto deposits, and don't look at it again until it's tax time.

gmenez97

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%)." The above implies VT is an international only fund which is incorrect. VT is both all US and all International. Should be using VXUS as the comparison which is 30% YTD because it is the total international market fund.

1kpointsoflight

Interesting. I tell my 21 yo to not think and just buy the haystack. VTI and never think about it

Lakeview121

Yea, you’re on the right track. Just go VTI. VOO is good too. Just pick one and deploy.

Artistic-Western6342

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%). Switching now based on recent performance is trying to time the market. No one knows anything. VT includes about 60% US anyway, for a slightly higher expense ratio (0.07% vs 0.03% for VTI). Stick to your plan, or make a new one and ignore the short-term noise.

TiredWiredAndHired

Bro, just buy VT or VTI, please!

Luda1982

Apple, Microsoft, VTI, and VOO. 2 Tech and 2 Index. And buy every month and hold long term

ForeverInTheSun82647

VTI Is my core. I have VXF as a satellite. Simply cause VTI is so heavy in the s&p that I wanted mid, small cap exposure more. Then I have VXUS for the foreign markets. If you have VOO and VTI already I would compare the capital gains on them before dumping anything.

SnooGuavas3568

Holy 💩. You need to jus put it in VTI and forget about it.

Away-Patience8556

I mean you’re 32, Could be worse if you were 52 or 62, and stop options at this point, clearly it’s not working for you buddy, and go learn about fucking Etfs, VTI, VXUS and so many more

PomegranateEasy5816

I (37M in US) recently inherited roughly $300K and am not sure what to do with it. I feel kind of behind on saving for retirement (\~$100K in IRA mainly in $VTI/$VXUS/$BND/$VNQ, small positions in $KO, $HD, $DE, $MSFT), \~$50K in a taxable account that's mostly in $AAPL). I don't own a home but don't feel like this is a great time to be getting into the market as a first time buyer. I wouldn't necessarily need to use the money any time soon, but it would be nice to be able to use some of it for a down payment if an opportunity to buy a house came up. No debt - no mortgage, car is paid for, and student loans were paid off some time ago.

FeeRemarkable7794

But VTI and then forget about it. Stop actively trading.

maicii

Instead of splitting it yourself you can buy VT it’s already the split of VTI/vxus

vultur-cadens

If you already have held VTI for 15 years, you should probably use new contributions to buy VXUS to add international exposure until you're at your desired allocation. Selling VTI now will cause capital gains taxes. I've been adding VXUS since last year, and now VXUS is around 39% of my equities which I believe is close to what international makes up in VT.

howtoretireby40

if you can earn $500k by 33 years old, you'll be fine. You prob lost about 5 years of future savings. Seriously, automate your savings into VTI/VOO and walk away. Go hit up your favorite buffet tomorrow and just be glad you're not in debt like 50% of the US and still better off than 75% of the world.

TaxFraudCPA

You can turn 29K into 100K on one good day of SPY options. But in all seriousness depending on your salary, put the remaining amount of money into VTI and keep depositing 1K a month into it for the next decade at minimum without selling. You should’ve stopped gambling once you lost 1/4 of your port.

Cush_Maine

How should I invest 20k? Hello, I have some money sitting in savings that I won’t need anytime in the near future and I decided I’d like to do something with it to make more money. I’m open to suggestions here’s what I can up with Chat GPT: 20k to invest -5k in High Yield Savings Account -15k in Index Fund VTI 100% OR VTI/VXUS 80/20 split Let me know your thoughts / advice please, thank you.

Tacos2Night21

Put the rest in VTI/VOO and forget your password

Dividedby21mil

I read his GameStop Substack. He is definitely clearly autistic. Also makes me wanna just VTI and chill. I am not smart enough for this shit lol

crazybutthole

i have a 401k that is 50% sp500 and 50% life cycle funds. then me and wife each have fidelity accounts with a little over $100k which includes (our emergency funds in taxable accounts which are like 30% SPAXX / 30% treasury funds like sgov and usfr / 30% BOXX and 10% sp500) then we each have a traditional and a roth - hers are both ~ 30% each of ETFs ( VOO / VTI / QQQ ) and 10% in international ETF (similar to VXUS) mine is 1 account (Trad.IRA) has all kinds of ETFs and the other (Roth) is my gamble up individual stocks account - it made ~20% more than SP500 this year - so i will do it again next year - we agreed that if i cant beat the market - then i will switch to the all ETF approach. (i am only buying shares. no options and no shorting.)

zestypov2

Absolutely might work out that way. It also might work out that small caps and mid caps rear their head and jump forward. I mean, look at international equities this year. VOO is up 15.85% YTD. VXUS is up 28%. BTW - VTI is up 15.37% YTD, so it has captured almost all of the upside of VOO, but it has 5% less exposure to the Top 10 holdings, which makes me rest a wee bit easier (maybe 5% easier).

Asian_Dumpring

My thesis has been that mega caps are not likely to be broken up and are likely to retain a competitive, monopolistic advantage as incumbents. Therefore I do VOO over VTI

Dirkredblade

Fair point, now compare the past 15 years lol. Not sure one year is enough to change my whole thesis. Like I said, I personally perform better when I don't change much, it's why i didn't allocate more of my VTI to QQQ, even though QQQ has crushed VTI for the last 5 ish years. Because I saw how long it took for tech to recover after the crash in 2000. Again, I fully admit that I should have more VXUS, not sure I'd agree that it should be 40% like in VT, but I should probably have 25-30%. Personally, my biased brain just expects USA equities to outperform the rest of the world as a whole most years. Yes, single countries will outperform the USA often, but for every Korea or Brazil outperforming, there will be another country way underperforming, dragging down the ex-us average. I just trust USA resources and greed to outperform most of the time.

NoActionAtThisTime

Makes me glad I'm more of a VT person vs VTI.

DiegoMilan

I’m considering VTI and it has Nvidia as well

Dirkredblade

Sorry for the most boring answer, but in 21 years of investing, I've learned that my portfolio earns most when I just don't touch it, or try to pick sectors or stocks. I would have significantly more money if I had just stuck to my current allocation of 65% VTI/ 20% VXUS / 5% VB (vanguard small cap)/ 5% GLD/ 5% IBIT. The only thing I've changed in the last 5 years is I had 10% GLD before IBIT started. I liked to have the gold for inflation/stagflation/US underperformance like 1969-1979 and 2000-2010. I rolled 5% of the GLD to Ibit, seeing it as "digital gold". I should probably roll some of my VTI into more VXUS, because of the US over performance recently, but it's really hard mentally for me to add more VXUS- I've read all the theory and intellectually I understand I should have more VXUS, it's just hard for me to pull the trigger on re-allocation when foreign has VASTLY underperformed for basically my entire investing career. Having said all that, I do expect worse US performance in the next 10 years, and I expect the US to keep printing- which is why i have the the GLD and Ibit.

Fearless-Edge714

The US is part of the world and it is currently 2/3 of the world’s stock value. If exus outperforms then it will shrink from 66. If US continues to outperform, it will grow past 66. That’s diversity. Nothing is stopping you from going VTI/VXUS and weighting VXUS more heavily like 60/40 or 50/50. You’re just trying to time the market if you do that though.

zestypov2

VOO has a higher concentration of big tech, which has done great recently. VTI has a much broader portfolio, but also a lot of big tech. If you think the future could include more gains for small and mid-cap, VTI could be a better choice. They have performed similarly recently.

TheDudeAbidesFarOut

VOO and chill.... VTI and chill...

taplar

Yeah, came here to say this. VTI is not total world. VT is. But it is only equities. 

jacobf33

What about 70% VTI, 30% VXUS? I know it is wildly different than what you suggest in your title /s. In all seriousness, this would give you full coverage of the global stock market. You mentioned VTI having 15% international, this is not true, VTI is Total US Stock Market, so you would need to VXUS to gain international exposure. If you are looking for the “one and done”, you are thinking of VT, it has total world stock market exposure. IMO, VT is only better if you want to be completely passive and hands off, due to the auto rebalancing. If you plan on being involved at all, VTI & VXUS will give you a tiny bit more control.

whydoibelieveyou

I think you’re going to learn about yourself with this sudden influx of money. How often you want to check in on it, fiddle with it, how you feel about a drawdown might all change once you’ve tangibly taken the steps to invest. Personally, I’d have fun with 10% of the money, establish a cash reserve of six months of expenses and put the rest in VTI to make it simple and try to strike the right balance of fun, prudence and risk.

TerranOPZ

VOO, VTI, and SPY are basically the same ETF. If I am index investing, I only buy VT. It's the most diversified index in one ETF. You can buy stocks in addition to VT. I'd be careful about picking too many individual stocks at first if you are in experienced. You really don't want to get clapped on stocks like what happened to retail in 2022. I get it everyone wants to get rich quick, but also consider the risk as well.

christopherw6569

I feel your pain. I know all the "geniuses" are talking about VTI being flat. Well grandpa im not 75 so im not only invested in VTI. Tech and anything related to crypto are getting absolutely slaughtered lately along with small caps taking a hit. And with that pretty much anything high beta is getting drug down with it. We are definitely in a risk off market environment. Things like VTI and to a lesser extent SPY are relatively flat because of the rotation into defensive plays. Although the volatility sucks,(unless you're selling options like I am)you have to remember that there's a reason why we call it rotations. When the risk on comes back we rotate back into high beta and thats when the face melting rallying returns. VTI will be up 1% and tech and crypto will be up 10%+

Sagelllini

>So your reasoning for waiting until 1/01/26 is much less about possible tax loss harvesting and more about just holding onto the money and making whatever interest I can on it while it is still in my possession - which makes total sense. I guess with the tax loss harvesting being a *potential side* bonus if the market allows for it. Yes and yes. >Personally I'm really just wanting to hold VTI and VXUS long term for simplicity. Agree 1000%. I own a ton of each (and some other legacy holdings) in roughly a US/International 80/20 ratio, more or less. >Side note - the taxes are of course a concern and I want to be as strategic as possible with them, but they are secondary to my real reason for wanting out from under professional management which is a 1.3% portfolio fee I pay annually + an average of 0.3% annual fees from the high-cost ETF's they have me in. Altogether I currently have a roughly 1.6% YOY drag on my investments. The tax concern is currently a backseat issue compared to this whopper. Makes perfect sense and the tax is an annoyance, but you are not letting the tail wag the dog by prioritizing the tax issue, which I also agree with. And you're welcome.

markprice211

This is a great reply and I really appreciate you taking the time to provide your input. Yes to #2 - mine and my wife's joint HHI exceeds $150k. Liquidating in 2025 vs. 2026 (assuming no unforeseen life changes) won't push us into a higher tax bracket either which was another consideration. So your reasoning for waiting until 1/01/26 is much less about possible tax loss harvesting and more about just holding onto the money and making whatever interest I can on it while it is still in my possession - which makes total sense. I guess with the tax loss harvesting being a *potential side* bonus if the market allows for it. I really don't care much for the tax-loss harvesting, considering my long term goals. Uncle Sam is going to come for those taxes sooner or later, whether I pay them now or kick the can 20 years down the road. I don't love the idea of selling my positions just to buy back into them and lower my cost-basis. In my (layman) mind, it makes sense if you were in speculative investments which dropped significantly and which you don't believe will come back up. Sell them, reinvest elsewhere, and use the losses to cover gains elsewhere if you have any. Makes sense. Personally I'm really just wanting to hold VTI and VXUS long term for simplicity. Side note - the taxes are of course a concern and I want to be as strategic as possible with them, but they are secondary to my real reason for wanting out from under professional management which is a 1.3% portfolio fee I pay annually + an average of 0.3% annual fees from the high-cost ETF's they have me in. Altogether I currently have a roughly 1.6% YOY drag on my investments. The tax concern is currently a backseat issue compared to this whopper.

HSuke

"VTI/VTSAX and Chill" is the reason I sat through all of the 2010s and 2020 without selling. The decision to not to anything special was my most profitable decision.

ATUGA

VXUS is outperforming my VTI holdings by a lot this year, but also I don't think this LLM mania actually provides real economic value. It's currently just predictive slop that looks impressive to senior level executives that don't understand whether what they're looking at is even correct.

brianmcg321

VTI

InjuryEmbarrassed532

VTI and chill is better. You retiring in 5-10 years? If not, just keep adding. CD is for emergencies, not for timing markets.

Cruian

>I guess my understanding of the general advice might be ranking the usual threes (VT, VTI,VOO) by the level of diversifications Sorry for the second reply: this is a poor way to think about it, as described above the additional diversification for each "tier" actually adds riskier (and what should be compensated) types of risk. Look at what the holdings are, not the count.

alanwazoo

67% US 37% Int'l. Or in other words VTI+VXUS. So if you already have US based ETFs focus on VXUS. That's my strategy to get the balance.

Glad-Lie8324

I really don't know but it does definitely feel like the next 20-30 years should lean in favor of small/mid caps. In my estimation it boils down to large cap tech being able to grow faster than investor expectations, and getting back to historically normal interest rate environment. Probably the best approach is VTI and chill if you think the large cap reign is coming to an end. Keep the upside in case your early on a large cap exit and get some of the smaller cap upside.

GAV17

The average advice here is to go VOO/VTI/VT and hold.

SirGlass

If you invest in VTI you get average returns on USA equities

Inevitable_Pin7755

Fair point if this is in a taxable account. With VT you still get some foreign tax credit, but it’s smaller because only the international portion generates it, so splitting VTI plus VXUS can be a bit more tax efficient and lets you set your US to international ratio. That said, the difference is usually pretty small on a 3000 balance, and VT is hard to beat for simplicity and staying invested. If it’s in a tax advantaged account, the tax credit angle matters even less, so I’d pick whichever helps you stick with it long term.

naked-and-famous

It's important to remember that as one of the largest companies in the S&P, it's automatically a huge portion of a bunch of passive investors portfolios. That means (for all of these huge companies) that price signals are muted. It'll be interesting to see what happens as giant ETF's like SPY and VTI try to rebalance their portfolios away from mag7 when the AI bubble pops.

Synaps4

People hate "VTI and chill" boglehead investing because its "boring." Who said it was supposed to be interesting???? If any part of your life should be boring, it should be your retirement investment and your doctors visits.

InjuryEmbarrassed532

You sound like a gambler to begin with, good luck with that long term and beating VTI.

BigWater7673

This is why just keeping a diverse portfolio if you're a long term investor is the best advice. 50% VTI 15% VXUS 10% AVUV 15% BND 10% Cash for dry powder

Over-Computer-6464

Although VTI, iTOT, and SCHB are all total US stock market ETFs they track indexes made by different index providers. So the three ETFs are not "substantially identical" as defined by the IRS. So you can sell one of those ETFs for a loss and replace it immediately by another one of those three ETFs without triggering a wash sale adjustment.

Over-Computer-6464

>Is there a reason why so many people on here suggest VOO instead of saying something like "an S&P500 ETF"? Simplicity, brevity. I also will say VTI rather than "a total US stock market ETF" and what I really invest in is a mix of ITOT, SCHB, and VTI as I tax loss harvest between those three "total US stock market ETFs".

sunnbeta

Similar.  But went VTI+VXUS  Outside of that will put like 5% to individual picks 

ra__account

You've somehow never heard of VTI or VOO?

ra__account

https://totalrealreturns.com/s/NOBL,VTI,VOO They've underperformed almost all of the past 10 years. It's still arguing with charts from the 80s when investing has changed significantly since then.

throwawayawayayayay

> in tech ETFs Habit 1 that more people don't do: invest in broad market index funds (VOO/VTI/VT) rather than individual stocks or sector-specific funds.

Various_Couple_764

A custodial account in my makes sense to me. You control the acount until you transfer it to your grandson. I would invest in a mix of dividend funds and growth. That way when he get it it will produce some income he can use immendiently if needed. And the growth would be a good long term way to save money with low tax. For growth you could use funds lit VTI and VSUS. For dividneds you could use funds like SPYI 11% yield , PFFA 8% yield, and CLOZ 8% yield. SPYI is a tx efficient fund PFFA is reliable source of coperate dividned income. CLOZ is a very stable fund with an with a really good divined.

__teeheehee

Thank you for sharing! I really appreciate the insight and different perspectives. And thank you very much for helping me understand the uncompensated risk concept. I kind of get the idea but the way you put it is very succinct. Love it. Re: Risk level, I get your points. My counter argument is that U.S.has a lot of concentration risk on AI compared to VT which is significantly more diversified. I guess my understanding of the general advice might be ranking the usual threes (VT, VTI,VOO) by the level of diversifications

Rinor8181

I'm 45 years old, have an investment account other than those $3000 which are seperate. I am not based in the U.S. and sadly, my broker allows to buy only full units and not fractures, so it will be difficult to constantly add units over time. It's just so they won't sit on nothing. So, I'm leaning towards VTI + QQQM + SCHG and yes, I know there is some overlap, but I understand it is not really the same.

riisenshadow92

I’d lean heavier into an index fund like VOO, VTI, SCHG, I jumped out of Google like an idiot few months ago and I bought at 150 (small position) Given the AI landscape, Google seems like it might be the quickest to monetize AI, and their potential move to sell chips of their own could accelerate sales and profits long term if it takes off. Not to mention their balance sheet is strong with lots of cash and minimal debt (unlike Oracle) I’m thinking about buying back in myself, good luck.

TurboUltiman

Since you sound stupid I’ll help you. The ai trade isn’t one trade, it’s a series of trades that move along the entire ecosystem depending on where the need is greatest. Before it was chips. Hence nvdas meteoric rise. Since Jan 2025 it has been datacenters and dc adjacent devices ie cooling photonics etc. Many of those holdings have 5-10x’d in less than a year. You can be bitter that you missed the boat which clearly you are, but don’t get upset that others are able to forecast and make returns that far outperform dollar cost averaging into VTI. Stick your ETFs you’re not built for this.

Cruian

VT should not be considered any more conservative than VTI or VOO. In fact, I would argue that your order of conservative to aggressive is backwards! * VOO is US (a developed market) large caps only. Large caps tend to be safer than smaller caps, developed markets safer than emerging (and even among developed markets I've seen people argue the US is extra safe). * VTI is US only, but adds smaller caps, which should be seen as adding a more aggressive area compared to VOO. * VT includes smaller caps and emerging markets, both can be seen as adding aggression compared to VOO. Single country risk is also an uncompensated type of risk, even if it is the US. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.**

__teeheehee

Please check out [https://www.reddit.com/r/Bogleheads/](https://www.reddit.com/r/Bogleheads/) In general, I'd say the advice are: \- VT - If you are more conservative. This is all world ETF. \- VTI - If you are a little less conservative. This is all U.S. market ETF. \- VOO - If you are more aggressive type investor. This is S&P 500 or the top 500 largest companies in U.S. Good luck.

ElatedRacism

VTI and chill

clreatradeapp

If you're nervous about jumping straight to high ex-US, start with 80/20—it's what a ton of experienced investors here run. You get meaningful diversification without feeling like you're "betting against America." Rebalance once a year, add new money to whichever is lagging, and sleep easy. Run it yourself on Portfolio Visualizer: Search "VTI VXUS backtest" and play with ratios from 1970s onward. You'll see no ratio wins forever, but anything 70/30 to 90/10 has been solid long-term.

Low-Jackfruit3321

Just invest in stocks, don’t go the crypto route since u might try to ge trick quick through meme coins etc. just invest in the total stock market using ticket symbol VTI and invest in large cap growth using SCHG. Good luck

b1gb0n312

This, don't bet against the US. VTI til I die.

officejobssuck1

After the March/April crash and it recovered. I almost panic sold. My first real experience with one. Very glad I didn’t. I kept adding twice a month and I’m doing great now. The best advice I’ve seen: markets normally stay at or above ATH’s. Corrections lead to recovery. If the market never went up over time, *nobody would be able to retire*. I max my Roth every year and I add as much to my brokerage into VTI/VT. I don’t check it every day. It takes discipline and patience, but it will pay off.

QuarrelsomeCreek

You want some sort of diversified total US stock market ETF, then you want some international exposure. VT has both combined. If you prefer to control the ratio yourself or optimize for small amount of taxes, then VTI+VXUS. Both of those options have merits and I wouldn't agonize about either path. Just pick and get that money in the market. Some people are recommending VOO but its less diversified than VTI/VT so it's not my personal first choice but its fine. Keep in mind that every brokerage has versions of these funds and there are schwab and fidelity equivalent versions that you could also use. Since you only have 3k, I wouldn't worry about adding bonds yet. I'm not sure your age, but my 2c is to start worrying about that when you have at least 100k invested.

TortugaTurtle47

When I started investing, I put like $25 from each paycheck into VOO and then slowly increased that until I found the amount I was comfortable with. VOO is simple and you can't go wrong with it. A lot of people use it as their core, long-term investment. I still have my VOO but I buy VTI and VXUS now. You'll learn as you go which funds work with your plans.

ucbcawt

lol that’s absolutely not true. For the US, VTI and VXUS have different tax benefits just like different dividend stocks. Important for any level of investing especially for those investing long term

sqenchlift444

What balance? VT has basically everything in SCHD and VTI

ucbcawt

Nope just buy and hold until retirement. Look at the bogleheads strategy. They do only 3 funds-VTI, VXUS and a bond-like component

ucbcawt

No because you just do 60% VTI, 40% VXUS

PashasMom

1) 70% VTI (broad US market) or SPYM (S&P 500, US large cap - pick whether you want the whole market or just large companies, either is a defensible choice) 2) 20% FIVA, IVLU, VYMI or DFIV - international value large caps 3) 10% AVDV or DISV - international value small/mid caps

Nickel4me

I JUST opened a Vanguard account 1 month ago. Started initially with $1K and have been putting $400/wk in since (automatic contr from bank). Have $3K in there now. Only have VOO and VTI (50/50). Will keep this up for the next 15-20yrs for retirement. This is separate from my other 401ks, brokerage and company stock. I wish I would’ve started this long ago.

ucbcawt

You lose the international tax benefit with VT, better to have VTI and VXUS separately

Little-Zebra-4492

Solid choice! But maybe mix it up with VTI and SCHD for a bit more balance in your portfolio.

gstanleycapital

I'd go 60% VTI (total US market), 20% VXUS (international), 20% SCHD (dividend growth for stability).VGT is great but heavy tech concentration; this spreads risk while keeping growth potential. Good luck!

ATUGA

Good work, but remember this is supposed to be your nest egg for retirement. Maybe put your gains in VTI + VXUS and trade options on your initial contribution? Obviously, it's your account, but you know how things go in the casino...

FlanSteakSasquatch

Just because they have crazy valuations doesn’t mean they have impactful market caps or are represented significantly in VTI. I’m with you in that I prefer VOO at the end of the day but it’s just because I just don’t think we’re on a trajectory where the big players are going to be diluted by the masses anytime soon. But I think scam stocks are barely a rounding error in an ETF that diversified.

v_x_n_

VMFXX is federal money market. VT is well diversified and easy. Personally I do VTI and VXUS. I want to have about 15% in diversified international etf which is why I don’t do straight VT. Just personal preference.

Kitchen_Collar_4527

Lmao right? Same with "should I buy puts on NVDA" and "is now a good time to DCA into VTI" The daily AI bubble post is basically a meme at this point

mikeatx79

VTI and VOO with stop limits just below the 200SMA will exit most crashes without triggering during retest. It does require you login at least once a month and make adjustments but makes sure you have a lot of cash the day after the market gets obliterated

jnas_19

idk how VTI would be hedging, emergency fund isn't gonna make me money on the way down

InjuryEmbarrassed532

Isn’t just adding to VTI and keeping an emergency fund doing just that?

Think_Reporter_8179

This is why VOO and VTI are going to be the best bets for most people. Building a "garden" is fun though, which is what I do. I essentially pick a sector (idea/theme/whatever) that I believe will do well going forward 10 years. Then I buy about 20-25 companies within that sector and see what grows and what dies. Seems to work pretty well!

barris59

Hold all the VTI/VXUS is currently have, and DCA into more as I get paid.

b1gb0n312

VTI til I die

b1gb0n312

Same as last year: hold VTI

ADynes

I did it boys! Lost $8k last year and thanks to RIVN I'm now up $8200 this year. Time to dump most of it into Voo/VTI and chill.

BaltimoreNewbie

VTI, VXUS and ignoring all the noise

Lokoto123

Is 80% VTI 20% QQQM too conservative for a legitimate 40 year time horizon portfolio?