VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash
At 32, VTI all the way. One thing to consider with 403b are taxes with RMD. Are you contributing to a Roth as well? Also consider is slowly rolling over your 403b into your Roth when you’re 59.5. Again, those pesky taxes
It's top 4 holdings are Microsoft, Nvidia, Apple and Alphabet so it's not staying away from big tech, and yet it's way underperformed VTI or VOO over 1Y, 5Y, 15Y... +4% total over the last 5Y's bull market since COVID is *atrocious*. It has an expense ratio of 71bps. It says its benchmark is the Russell 1000 Growth index, but that is up 14% 1Y and this fund is down 5.7%... I can't find a single redeeming point in favor of this fund over MGK (Vanguard Mega Cap Growth), VOO (Vanguard SP500), VONG (Vanguard Russell 1000), or VTI (Vanguard Total Market) depending on how risky and tech-heavy vs diversified you want to go. To anyone reading this, if there's something I'm missing, let me know.
ITOT is core S&P and is similar to VTI while IXUS is similar to VXUS
https://preview.redd.it/ikeekn8b5lig1.png?width=1080&format=png&auto=webp&s=b34adbe1bbedd51eea610975acec6c9c10cca84f Amazon has failed to beat the Total US Stock Market (VTI) returns over the last five years with much higher risk. FWIW, I canceled my Prime account \~13 months ago and more and more friends and family members are following suit. The product has been too "enshitified" to justify the membership. It's filled with crap products and bot reviews. Mostly junk at this point. AWS is still a money maker with high margins, but has growing competition in that space.
May i ask a question? Ive been reading as much as i can especially on this sub, but im still sorta lost…never invested before. I like carpentry, recently sold a small house that i had built out of pocket over 14 years. So i have some money now, but what to do with it? So … if you had 300 k to invest and abt zero knowledge… what would you put it in? What % maybe…like half into VTI, (excluding US), or VOO? other half index funds or …? ( im still reading what an ETA is. Its like a different language that ive never spoken before). Maybe individual stocks ? amazon, google, microsoft? (10-20k each?) Would you add some T bonds? Ugh…sorry to even ask. Hope you or another redditor has time for advice. Am lost.
For most people just letting VTI ride usually beats trying to chase dividends. Divs only matter if you actually need the cash flow.
That’s something I thought of too! I think I may just do that. Or maybe buy VTI back later on. I’ll give it some thought
no you should put new money into schd and hold VTI
1K if your kid was born in 2026 and 1K for a kid born up to 2028 or something… It’s a solid opportunity. Imagine if you could dump in 5K annually and what that would look like at 18 invested in VTI or similar. Then roll all of that into a Roth at 18 and let it ride until their retirement. Almost 20 years of growth by the time they are graduating high school, they will barely need to put their own money away for retirement. Huge opportunity IMO. I’ve been looking at Roth contributions for my child but I was limited with the income retirement so unless you want to do some shenanigans, then you’re limited to put cash away for them until they are of legal working age (15.5), which sucks.
You could keep VTI for broad exposure and let your 403B cover the S&P 500. Switching to SCHD just for dividends is fine if you want income, but it might tilt your overall allocation toward dividend stocks.
If the fee for VTI on robinhood is the same as on Fidelity, seems like a good deal. TBH you don't really need customer support at this level once you figure out how the app work.
Do you want it as an income or an investment? People switch to dividends when they retire not when they’re trying to save as much as possible. Also, VTI has pretty good dividends. I’m up 32% in the past two years for my VTI retirement account too.
Are you going to keep going? Or will you just throw it into VTI and chill?
The reason I ask if I sound sell VTI is because I have retirement fund in S&P 500 fund already
I sold all my VTI for HYMC. Up big time!
With dividends you likely sacrifice growth for income and stability. Unless you’re already old it’s usually going to be better to focus on growth. Stick with VTI and rotate into SCHD when the income becomes important to you.
I have a VTI equivalent in my retirement. Wouldn’t having them be an overexposure?
As a holder of both, it would make zero sense. SCHD has underperformed over the last 1,3 and 5 years. It's benefiting from the uncertainty but that too shall pass quickly. Hold VTI steady.
VTI has outperformed schd over the last 10 years. I prefer to make more over time vs less.
Consolidation is definitely the play here. 60% VTI/40% VXUS would be ideal. You could do 60 VTI/30 VXUS/10 Individual if you must do individual, but that portion is likely to underperform. You can just sell and rebalance immediately, there's no downside to selling in an IRA.
Consider just going with some ETFs like $VTI and $VXUS. Almost 100% chance of having higher returns. Just sayin
You have 37 different stocks in just 30% of your portfolio? Hot damm man they arnt Pokemon. And why do you hold VTI+VOO+SPY? Its almost the same thing 3 times for no reason. I think consolidate etf to just VTI or VOO and maybe consider small caps/exus. Id reduce most single stocks to like tops 15 individual stocks, and even then it’s cluttered as hell.
I’m an idiot. Your post made me realize the utility of the VTI/ITOT ping pong. Derp. Thanks, sir.
There is zero advantage of owning VTI at Vanguard over Fidelity. That is one of the huge draws of ETFs (in taxable accounts). They are universally portable. If your taxable account is all ETFs and Fidelity does something to piss you off you can transfer it to Schwab or Vanguard or M1 or robin hood or Interactive Brokers or wherever without added fees or axes.
Maybe just lack of awareness, the Vanguard funds are more well known, etc. or they like to be able to watch a ETF go up and down throughout the day. I’m on your side though, I also have FSKAX/FTIHX instead of VTI/VXUS. In the end it doesn’t make a huge difference though.
I prefer ETFs in taxable for a variety of reasons * usually lower ER * better tax efficiency * easier to tax loss harvest (sell VTI and buy ITOT) * universally portable For ETFs (as opposed to mutual funds) there is no downside to owning an ETF from a different fund family (i.e. Vanguard ETF at Schwab brokerage, Schwab ETF at Fidelity brokerage). In tax sheltered accounts it is largely a preference. My Roth IRA is simply 100% FZROX.
I’m not the OC but this is what I do. It’s not a tech company and returns have been so/so but VTI has done better than company stock. I sell it as soon as it arrives and transfer to something else
You can invest in fractional shares of a stock or ETF (meaning, if the share costs $100, you don't need $100 to buy in... usually $5 will suffice). Check which brokerages or apps offer this. I think HOOD does. Then, to get yourself started, strongly consider an index fund such as the VOO or VTI as your first pick. You don't want to get into the business of stock picking yet. You want to get a foothold position established, to form on a base, on which you can consistently build. Good luck. There is a lot of advice available here for free on RDDT.
Bro, you should consider just buying VTI and chill. This isn't for you.
Of 85% stock portfolio 67% VTI 33% VSUX Rest 5% BRK B 4% BNDS 1% BNDX 5% SPAXX
Broad Stock market returns double in value on average every 7 years. After 30 years your investment in VTI would like be with 2.5mil.
80% of my portfolio is VTI/VXUS but that's cool.
Yes, but index funds don't rebalance everyday. They have a set quarterly or annual schedule. Overall, index funds like VOO and VTI typically only turnover <10% of their portfolio every year.
What drop? I sit in VTI, VXUS, SCHD… one day my vanguard holdings dropped by just under 2%, then they were up by 2% the next day. SCHD has been jumping. What am I missing?
Edward Jones is truly horrendous. Their fees are absurd. Their value is negative. Move all your money there to a legit broker. I personally like Fidelity > Vanguard > Scwab. Even Webull or Robinhood are WAY better. Then put all your money in VTI + VXUS (or ITOT/IXUS) and ignore it.
Hope you don't mind some more questions, I was wondering why people are asking about VTI and not VOO. It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better.
This does not matter. I’ve seen 10 of these posts in the last week. Just stop it, please. I say this as someone who also thinks TwitterSpaceXis a financial joke, as you’ve stated. The indexes are float adjusted. Look that up. They won’t be buying based on the entire cap of the IPO. More importantly, is the literal idea behind an index, which insulated you from exactly this issue. Even IF VTI went all in on the total market cap of the IPO evenly weighted. And the even IF TwitterSpaceX went from 1.5T to 0 overnight… VTI would drop…3%? Oh the humanity… The actual pressing concern for VTI is the greater market forces allowing us to be “okay” with these joke IPO valuations and what that means for valuations across the whole market. There could be actual systemic risk if the market crashes, but one IPO isn’t going to kill an index.
Ok, what is your AUM fee with EJ and ML? What are the expense ratios of the funds you're in? And what other junk fees are you paying? Any commissions, quarterly fees, etc? Now compare your fees to Vanguard's advisor fees. It would cost you 0.30% for the advisor and they'll probably have you in a mix of VTI/VXUS/BND, which have an expense ratio of .03%/.05%/.03%. My bet is you're paying over 1% AUM and your expense ratios are at least .20%. You shouldn't be paying more than 0.35% combined.
VTI's index is float adjusted. Meaning a huge fraction of SpaceX's market cap will not be included in the index because it's held by insiders and/or has other restrictions.
You haven't used copilot in vs code it seems , many big companies prefer that just bcuz you can access latest state of the art models right then in there in your IDE. Copilot is bigger and better structured than you think although I agree with everything else you said. Which is why I go with like VOO or VTI all of them I think will capture a specific marker with Google being at the forefront. Chatgpt will probably get acquired by msft
If you had all VTI, all VOO, or all NVDA you’d be 100% in equities, too. The difference is in the level of diversification and risk. I’m simply suggesting you could amp up the risk/reward a bit with VOO vs VTI at your age. Or maybe phrased slightly differently, among equity plays VTI is relatively conservative (imo).
* 44 years old * Currently employed ($140,000/yr) * 401(k) that is mostly in a target date fund, with about 40% sitting in a value fund, international fund, and mid-cap fund. All new contributions go to the target date fund. * Roth IRA that is kind of a mess because I've held it forever, but can be modeled as something like 80% VTI + 20% VXUS. * Only debt is my mortgage, which is 3.75% * Fully funded emergency fund (two years) I'm trying to be better with my money. Due to a rocky upbringing, I have a lot of purely psychological roadblocks when it comes to investing. I'd like to start putting more money into my taxable brokerage account, and I'm looking for advice on what I could do in terms of an "intermediate" risk profile that sits somewhere between HYSA/SGOV combination that I've been defaulting to lately and the portfolio I have in my retirement accounts. I've considered a mix of defensive sector ETFs (XLU/XLV/XLP) and heavily "filtered" ETFs like SCHD and VIG. I've also considered bonds, but after 2022 I feel like I don't understand the underlying mechanisms well enough to buy into that. Treasuries might also be an option. If anyone has any suggestions I'd love to hear them.
Now we can have AI start debates about the only two ETFs that exist, VOO and VTI.
Why not just do VTI or QQQM. You made some bets and they were not the right ones unfortunately.
Because the market doesn’t believe Andy Jassy is a visionary like Bezos was. Iirc Bezos left around that time. And it’s hard to argue against it - Amazon broadly missed the AI boat. Non business users likely won’t know what genAI models Amazon has, or even what Amazon is doing with AI. The rest of the mag7 is used more directly by retail traders/users for tech than Amazon. No one care that half the world runs on Amazon, if the stock price doesn’t move. I still have my vested RSUs from when I worked there. I’d have been better off just selling and buying VTI.
This is close for me. $45k cash, which is 12% of 400k net worth. Monthly expenses around 6k and 33 yrs old though. $3k into VOO/VTI monthly, which is about 22% of gross monthly income. The rest into Bitcoin and vacations mainly.
DCA into VOO/VTI and chill. Trying to time the bottom usually backfires. Maybe 10% into BTC if you're into that
DCA into MSFT, AMZN, AAPL, VOO and VTI. Stay away from penny stocks but you can watch them for entertainment. I’m talking about BYND and stocks like that.
VTI and chill or VOO
if youre trying to speed run a divorce, try 0dte spy puts if youre trying to get rich quick, dont if you want something to save and earn interest, take whatever it is you can realistically save and divvy it up into VTI/SPY/VOO maybe some TNXT
I just bought more VTI so it's going to go down now
VT would be essentially the equivalent, VTI would not be as it is US only.
well If I had that kind of cash right now, I'd probably spread it out some into broad EFTs like VTI, a bit international, and then keep part in something steadier outside equities so I've been using Fundrise for real state since it doesn't swing as hard as stocks or crypto, and it helps me stay calm when everything's sliding...
I'd love to see that too, but VTI and VOO are probably already bottomed out. I don't know that I have ever seen an ETF below 3 BP. The only mutual funds I've seen below that are FZROX and FXAIX but those are loss leaders.
with all that recession. I'm keeping some exposure in broad EFTs like VTI, but also I wanted something steadier outside stocks. I've started using Fundrise since real state feels less volatile than tech, and it helps me stay balanced long term.
why not just go VTI/VXUS and mag7 exposure goes down by 2/3
But VTI & QQQ and delete app
Personally I’m not trying to be clever in panic markets. I split it into two buckets. One is boring and consistent. Broad ETFs like VTI or a global fund, added slowly over time. That’s the part I don’t touch or overthink. The second is conviction names I’m genuinely happy holding for years, not trades. For me that’s stuff like META or NFLX only if the valuation makes sense and the story hasn’t broken. I scale in rather than go all in because sentiment can stay ugly longer than expected. Anything more speculative like COIN, PLTR, ASTS I treat as optional upside only. Small size, no pressure. If it goes to zero it doesn’t change my life. Biggest thing for me is avoiding the urge to deploy everything at once just because prices are down. Cash is also a position when volatility is high. I write a short free newsletter about how I think through markets like this as a normal retail investor, link’s on my profile if that’s useful.
Im writting this slowly because i know you guys are slow readers and learners. broad market index tracking ETF, VTI fot US lads or VWCE for EU lads.
If you are going to do high beta at least do a barbell with 50% in bonds or VTI.
If you put the $8k in VTI, and average 10% returns, it’s only 24 years until you have $80k to pay back those loans.
100% -> 60-80% VOO / VTI an the rest VXUS
VTI is down like.. 1%. I think everyone was in quantum or something
Been watching the same ~$2k swing in mostly VTI QQQ profile since October. Seems the market is finally deciding to go on sale.
Why wasn't your nest egg in an index? VTI dipped 2%.
Ive been wanting to get back in VTI studying its pullback past 3 months. So I limit bought back in at 333.50 today, which has been the support for a while. Of course its already under there After Hours. So to be proactive, I set limit buys for 320, 310, and 305. Why do I know Taco will make the market suddenly blow right through those somehow? Yeah, I probably just bought back in on the "correction and it will go to at least 290 or something.
Appreciate sincere advice, but I can assure you every time I buy an etf dip, it dips more and then all my money is tied up bc of the huge PPS. I bought VTI today at 333.5, lowest and has been support level for 3 months, and its already broken under, albeit AHs. So I set limit buys for 320, 317, 305, in case it goes lower....and knowing my luck it'll blow threw them.
Strong GDP? With VTI (domestic) up 13% over 52 weeks while VTIAX (international) up 35%? Not since WW2 has international growth so handedly outpaced US domestic markets. We had the "lost decade", but we lagged by only single digit percentages. The US markets are only keeping up with the rate of devaluation of the dollar. The monkeys are running the zoo.
I’m a regard and don’t know anything. However, I feel like we’re going to see a few weekly dips like this with a few green days in between. There is a lot being priced in right now that will probably send us down 5% to 10% during the first half of the year. So anyway with that said, I like ETFs with all this craziness. VXUS VTI VTWO. DCA down with every few percentage points. Again I just work at Wendy’s and don’t know anything.
I don't really follow individual stocks outside of VTI bro
Stop trying to do whatever is it you’re trying to do and just VTI and chill for 35 years. You’re welcome.
Vanguard Institutional Total Stock Market Index is close enough to VOO that you shouldn't worry about the difference. It and VTI both "seek to track the performance of the CRSP US Total Market Index."
Gold or VTI if I have 50% of my portfolio out and I don't need this money until I retire? The other 50% is VTI and I'm in my 30s.
I’m starting to believe that guy who said VTI was going to bag hold for a bunch of scam IPOs. Pension funds don’t want anything to do with that or anything with future political liability. Potentially criminal activity has been done by some of these firms, and it’s clear the lawsuits will be epic.
>...ESG funds have a track record of poor performance... You got your facts wrong, buddy. Over the lifespan of the funds, ESGV has outperformed VTI, VSGX has outperformed VXUS, and VCEB has outperformed BND. Those are your examples, that you picked. So knock it off with this "poor performance" B.S.
VOO and IVV are both the S&P 500, so if you only want the S&P 500 (large-caps), then VOO is already diversified. If you also want mid-caps or small-caps, you can use VTI (which is total-US-market), or buy mid-caps and small-caps separately (e.g., SPMD and IJR, which are the S&P 400 Mid-Caps Index and S&P 600 Small-Caps Index). These should be much smaller allocations than your S&P 500 allocation. Also consider some international, either separately (VXUS), or you can just get total-world-market (VT).
I had to sell all my positions to free up money to close on a house. Sold 1600 shares of VTI at $342 and feeling good about it now. I thank you for your sacrifice.
VTI is down for the year, VOO even more. What 2% are you talking about?
I'm a loser. when I usually get over 100%+ I evaluate. A good bit of the AI ones I got into a few years ago, I sold over the past few months. Profit gets put into VTI 69%and VXUS 31% split long term.
If you don't even have the experience to evaluate an ETF, then on what basis will you evaluate individual stocks? Based on what experience or knowledge? On one hand, you should stick with a broad index fund like the S&P 500 (VOO) or total market (VTI). On the other hand, you won't really understand the reason until you eventually get burned by picking stocks. So just skip QQQ and jump straight into picking stocks and get it out of your system now so you can understand why all the experienced investors tell you the same thing.
$3k isn't too small. You can start with 70%-80% in an ETF (QQQ or broader like VOOO/VTI) and the rest in 1-2 stocks you understand and can hold long term. Stock picking can grow as your portfolio grows, just focus on building a solid base first.
I’m 19 and I’m starting to invest. What do you think of my portfolio?- VTI 40% VXUS 20% NLR 10% SOXQ 10% WMT 7% PM 7% RYCEY 6%
The two I mentioned was to rotate more into growth SCHD to VTI and EPD(mainly to dump a MLP I didn’t need the income from) into VT. My portfolio is all boring ETF’s, VTI/VT/VXUS/SCHD, 6% BND, 6% IAU and maybe 1 or 2% stocks. My trading days are over.
The best strategy for retail investors is to DCA into index funds and never sell unless you absolutely need to. I have tried to time the market several times and also tried to swing trade on individual stocks. Did get lucky a couple of times but the only consistent winning strategy that has worked for me in the long run is to keep buying VOO/QQQ/VTI very week or every other week and never sell.
I thought of buying with the dips this week. It's tough choosing between Microsoft, Nvidia, VTI, or VOO.
I've recently rent the route of VTI and VOO. Occasionally, I'll buy some large cap stocks like MSFT, NVDA, or TSLA. I have taken huge dips investing in small cap stocks that never came back because they trade on lower volume. So, I never buy small cap stocks anymore, because if they drop down it's harder to come back up than a large cap stock and a lot of them peter out.
In a taxable account it's better to use ETFs than mutual funds because they're more tax efficient and if you should ever decide to switch brokwrages you can just take ETFs with you. So yeah just VT or a combo of VTI/VXUS.
Website doesn't matter. You open a brokerage account on Robinhood or Fidelity etc. and invest your money into Index funds like VOO or VTI
VTI is where it was at a few weeks ago. Stop looking at meme stocks
I go with a mix of VOO, VTI, and VUG with a small fraction of BRK
Good thing I just go with VTI
Oh wow, I better sell all my VTI and buy this shitcoin.