VTI

AnotherThroneAway

You're going to get a lot of answers here. The best, actual answer is: do what makes you feel most comfortable. That said, here's my 2¢: Put about 20% of it into VOO, VTI, or your index of choice—and the rest into T-bills or a core account that returns at least 3.5%. A month from now, move another 20% into index funds. If there's an irrational pullback in the meantime, consider moving more. The reason for this isn't so much to average your cost basis, as it is to give you a tiny bit more control over your eventual tax situation. It's possible that a year from now you'll want to sell some at prefereable capital gains rates, and you can then select from tax lots that have higher or lower cost basis, depending on your tax needs at the moment. Or if the market moves sideways for a while or even dips, you'lll have more options for tax loss harvesting.

HatsuneM1ku

? If you currently hold QQQ or VTI, you're forced to buy spacex because you're buying the index fund's underlying stocks. When a retail investor buys an ETF, they are still a retail investor, they don't automatically turn into a institutional investor.

sleep-Tip-3558

If QQQ or VTI owns it than that would by definition be institutional investment not retail. Also again, you're not forced to invest in anything

OxRedOx

Long term index funds, don’t worry about timing. If you can’t stop worrying then invest it in chunks but in the same things ( VTI, VT, DIA, QQQ, VTWO). If you might need some of it in the next year or two then put that amount in SGOV or BOXX because those are fixed gains with no volatility. Don’t worry about a crash imo, it could fall 10% and it would likely be a wash in two years, especially when you consider that the crash could take another year.

HatsuneM1ku

If you have QQQ or VTI then yeah you're forced to buy it

Natural_Level_7593

As a regular listener of Marketplace, I am compelled to say that the stock market is not the economy. The S&P is a good representation of the stock market because of its size, 500 companies. The Dow is a much smaller index of about 30 companies from the S&P 500 and is even more subjective. If you are looking for something that tracks the entire market go with VTI, but as an investment it typically performs slightly worse than the S&P because it is the total market with no quality screens.

Creative_Poet_9590

If you want to track the whole US stock market rather than just the S&P 500, that's what $VTI does https://investor.vanguard.com/investment-products/etfs/profile/vti

adiabatic_storm

I've always thought it interesting that risk adverse people are willing to accept a guaranteed bad outcome, instead of taking some low to moderate risk on something else that at least has a historical track record of success with an expected value much higher than the "safe" alternative. Like, yeah I get it, volatility is hard to stomach at times, especially in crashes or prolonged bear markets, but the irony is that if you stay committed to the higher volatility yet also higher expected value strategy long term, the strategy still significantly outperforms the "safe" one even after adjusting for a significant crash or correction. I mean look, if all you have to your name is $5K then there's a good argument for stashing that in an emergency fund / HYSA, but the idea of committing any real amount to money to guaranteed demise (via slow but insidious and continuous devaluation resulting from inflation) is clinically insane. You want time on your side, not the other way around. $10K invested in BND on April 10, 2007 is now worth $17,700 today. $10K invested in VTI in April 10, 2007 is now worth $71,622 today. (And that's after riding out the 2008 crash and everything else that has happened since.) The stock market could crash 70% tomorrow and you'd still have more money from the original investment in VTI than BND. Which begs the question: What's really more risky, anyways? I think we have to measure risk not just as potential for sudden downside corrections, but also in terms of opportunity cost on the way up. Those losses are just as real, you just don't see them like you do a direct loss, so it's easier to miss.

Average_TechSpec

Buy VTI/VXUS (My split is 78/22) - more US heavy.

Exquisite-Load8654

He’s trying predict winners. It’s a losing strategy long term. Buy VTI and enjoy your life.

AboutSpencer

Go the ETF route. VOO or VTI are great. Invest half now, and then DCA the other half over a fixed timeline. Weekly or monthly for 12-24 months would likely be the best approach. Look for days that are deep in the red and capitalize on it.

Jealous_Bookkeeper20

When you hold SGRT and FMTM alongside AVLV, you are mixing growth and value tilts with momentum in the same U.S. large-cap universe. Combining these factors in a 25/25/50 split effectively replicates a core index like VOO or VTI. The problem is you are paying active management fees to do it. SGRT charges 0.59% and FMTM is 0.45%. Rebuilding a total market index this way creates a massive fee drag compared to just holding VTI at 0.03%. The same issue applies to the international side. JIVE charges 0.55%. If you put 40% of your stock allocation into high-fee active funds, you are losing a significant chunk of your inheritance compounding power to management fees. On a $500k portfolio, a 0.40% average fee drag is $2k a year, which compounding over 20 years eats up over $70k of your final wealth. Are you holding these in a taxable account or a tax-advantaged one? Using short-term bonds to cushion the inheritance makes sense if you have low risk tolerance, but holding 40% in cash/bonds specifically to buy a dip usually backfires. You end up sitting on cash drag for years waiting for a crash that might not drop prices below where they are today. If you want to tilt, keep it to a 10% allocation in something like AVLV on top of a low-cost core index fund.

Outside-Prune3611

How old are you? Buy the tone of your post, I would say you’re too young for bonds and should be 100% equity. If you’re worried about risk, you can do 100% VTI to keep it simple. If you want more international exposure, maybe throw in 20% VYMI and still simple. Good luck!

PoopyisSmelly

Which is why owning VOO, VTI, or VT is a good decision. Youll own about 60% growth anyway, and if value does better you are benefitting from that.

Illustrious_Gift1609

$240,000 VTI and $160,000 VXUS. Not financial advice. But this is what a professional managed portfolio would look like. 60/40 %. Or aggressive with 80/20.

LanceX2

50K in SGOV then DCA or just Lump into VTI or VOO man.

kinnth

Buy 3 things. \- 30% real silver etf \- 60% VTI whole stock market \- 10% bitcoin

stickymeowmeow

The overwhelming advice from people on Reddit (and this thread) is to invest in an index fund like VOO or SPY. Set it and forget it. That’s about as safe as you can get in the market, and pretty much the exact advice any worthwhile financial advisor would give you. So idk what you’re trying to say. This ain’t wallstreetbets. Financial advisors very rarely outperform simply setting and forgetting with VOO/VTI/SPY/other major index funds. Most portfolios I’ve seen from financial advisors are basically just a more complicated VTI - their “magic diversification” is a split of different market sector ETFs or mutual funds that all basically add up to what you’d get with VTI. The real magic comes down to risk tolerance and knowing how much you can invest and how much you should keep in low risk things like money market. You don’t need to give someone a cut of your portfolio for the rest of your life to figure that out.

superdreamcast

If you are young, it is better to invest as soon as possible. You can always save 10 to 15 percent cash ($40,000 to $60,000) in SGOV to buy the dip on market corrections. Invest in a broad S&P500 index like VOO or VTI. You can also invest in some portions in growth and/or value ETF because they can outperform S&P500 in some years. I like SPMO for momentum factor and VTV for value factor. How aggressive you want to invest depends upon your goals and time horizon. If you throw it all into the VOO, you will make around 10 percent a year just matching the market ($40,000+). You can lump sum or DCA. Whatever gets you to start investing, do it!

Shadowrunner138

This is on top of VTI, VTO, VEA, VIG and their tax lost harvesting equivalents/alternatives in Wealthfront's automated account, set at maximum risk level, their automated bond fund, and an automated roth. Wealthfront automates tax lost harvesting and generates significantly more than their fees.

Narkanin

There’s no timing the market. Since you’ve established your timeline is long term (assuming 10+ years here) then your best bet is to stay really simple with most of your money. Something like a VTI/VXUS split or equivalent. If you’re worried about a drop soon, then set up automatic buys to spread it out over the next year or whatever feels good to you and just check in on it every so often to make sure all so as it should be. Whatever you decide, make sure it feels good to you. Because whatever happens, you’re the only one responsible. A small amount of research will tell you what most financial planners will tell you, but if you’re really not comfortable with any of this, then you can also hire someone.

SirGlass

VTI and schb are basically the same thing. If you are 100% invested in those it's not very conservative. Both are pretty risk on assets

Tight-Relative-4093

Hi all, new to Reddit. I’m currently investing rather conservative and was wanting some insight on how to improve. I’m 31, with a ROTH through work which is a blended fund. I contribute 10% while my employer contributes 9%, which has done well. I currently have around $63k in a separate brokerage account with \~ 80% in VTI ($287.54 cost average) and \~ 20% in SCHB ($22.48 cost average). My question is should I look into diversifying with individual stocks or look into different ETFs? My approach has been very conservative up to this point and I’d like to add a little risk to it. Thanks!

ZEALOUS_RHINO

At the end of the day VTI and VOO have an 88% overlap in market cap so their fates are tied together. Even the other 12% is pretty highly correlated with large cap. So in a drawdown they will both get hit hard there is no hiding from that. At the end of the day, more diversification has its benefits. Owning literally everything in a market weighted fund is a beautiful way to be totally neutral to the market.

Flayum

Thanks. Do you think this is because the nature of PE and investment has changed in the last decade+ or could it be a result of the 15yr+ bull market? A concern I would have is a recession affecting the large caps harder than others, causing an even larger drawdown in VOO vs VTI.

Succulent_Rain

What catalyst are you waiting for? Since the stock is flat, why not unload some of it now, then wait for the stock market to crash before you buy some VTI?

thebiglebowskiisfine

I had a very similar windfall. I'm still holding the stock and retired at 51. Stock has been flat for several years, the tax bill is going to be several million. If I were you I'd come up with a schedule and start unloading DCA style. I'm waiting for a few catalyst and then I will reduce the position by about 80% into VTI.

Flayum

Why VOO instead of VTI or VT?

nachoman_69

If you have a total stock market index fund, like VTI or VTSAX, you're one of those people lol, and if you have an index fund of the nasdaq100 you're one of those people like 5x as much.

Top-Classroom3984

I do. Mostly VOO and VTI.

robocarl

I switched from VTI to VOO to avoid this mess

Inevitable-Lychee572

First investment ever, am I on the right track? - 40% in VTI, 30% in VXUS, 30% in SCHD I’m 28 and finally teaching myself how to invest. I’m currently a grad student and don’t have a ton of money but am hoping to invest a chunk, set up small monthly deposits, set the dividends to be automatically reinvested, and then leave the account alone. I want to do this with a Roth IRA and also a brokerage account that I can access before retirement. This is my first time, so please be nice if I’m totally off base. I’m excited to be learning how this all works!

Silent_Anybody5253

All of the suggestions about VOO or VTI are very sound advice. If you want to go a little more upside you could do a fund like FMTM or SGRT. Still a fund spreading out the money but with a thesis that targets higher upside. Obviously more risk but over the long run still not as risky as something like SpaceX

AnnO55783

You did not miss anything by skipping the IPO, that is the right instinct rather than a regret. With a thousand dollars the specific fund matters far less than building the habit, so a broad market ETF like VOO or VTI and then adding whatever you can spare each month is the whole answer. The one rule I would hold onto is that this is long-term money, leave it alone through the inevitable down years and let time do the work. There is no judgement here, everyone starts somewhere.

jaajaajaa6

Your father is lucky to have a son that cares about him. Put the $1000 in a low cost broad market ETF like VTI which is the entire US stock market. And then just let it sit.

Days_End

VTI is a passive fund coving the whole USA market while VOO is an active fund that buys whatever the S&P500 committee picks. The S&P committee has choice not to have SpaceX in the index at the moments but can change that whenever they feels like.

DanTaude599

fwiw at your age the boring total-market fund will almost certainly beat the risky individual picks over 30 years, thats just how the math tends to shake out. if you want a dividend tilt SCHD or DGRO inside the roth is reasonable, but id keep the core in VTI and treat the stock-picking as a small play-money slice you can afford to lose.

GetOutOfTheWhey

Good catch Which they qualify immediately for due to their market cap. They just need to wait for 15 days of trading. Other etfs might have shorter ones like VTI with 5 trading days

hellobubbles1

Huge losses split into small losses to all retirement accounts with vtsax/VTI and similar funds. It's genius, they are stealing from the poor a bit at a time to enrich themselves while most of them don't even know it . I sold all my vtsax/VTI holding and switched to only funds that follow S&P 500 index.

GelatinGhost

True Bogleheads with VT or VTI are fine. Unfortunately I fucked up by having a good amount of qqqm in a taxable account and I can't easily change it now.

FoggyFoggyFoggy

Below is my all equities Roth IRA. (I have a separate, more conservative, VTI-VXUS-BND-BNDX tax-deferred account.) SPMO 45% VEA 35% GOOGL 10% RY 10% What U.S. equity ETF would you add to this Roth IRA?

InvestingNerd2020

Yes! I have a custodial account for my daughter and a separate 529 plan for her. Me and my wife put half of our work bonuses into the 529 plan, and I routinely contribute to the custodial account ($30 monthly). Since it is a taxable account, I highly recommend ETFs. I personally use a Total USA stock ETF (SCHB). VTI or ITOT do the same thing. If you want tech/growth sector ETFs, look into: FTEC, QQQM, or SCHG.

GaylrdFocker

>My portfolio only has VOO but I would love to add growth/value stocks in the future. What deters me are the classic stats of no one beats the index funds So keep doing index funds. Use VTI instead of VOO to add small/mid cap and VXUS for international. Or keep VOO and add VT for everything in 1 fund. The VOO you have will just mean you're slightly overweight on Large Cap but that's not a big deal.

Reign_of_Kronos

Problem is he still got in on NASDAQ and other indexes like VTI, VTSAX… sucks for people like me who are mainly in VTI vs VOO.

MiserableSpare403

I am a former MSFT engineer. Starting from about 2023 and continu from the bottom up is burned out, morale is through the floor. Stackranking has returned and there are constant threats of layoffs, but now they’re even worse because they are not actual layoffs with severance, now fire “for cause”, citing performance, when they need to layoff people. Constant reorgs because of people leaving then managers only having like 3 reports remaining on their team. There is a divergence in visa dependent engineers who are stuck, while citizens/LPRs who often have more established skills and experience, vote with their feet to leave. Yes they have some cash cow products and entrenched lock-in but they are killing their ability to innovate in the future, as well as giving up on entire product lines (gaming). I dumped most of my MSFT holding and it is now only 4% of my account. I maintain exposure though VOO/VTI but I no longer want to be overweight in it. I reached my “limit” with MSFT not as an investor but as a burned out senior engineer there, and it makes me not want to hold it as an individual stock long term.

MiserableSpare403

I am a former MSFT engineer. Everyone from the bottom up is burned out, morale is through the floor. Stackranking has returned and there are constant threats of layoffs, but now they’re even worse because they are not actual layoffs with severance, now fire “for cause”, citing performance, when they need to layoff people. Constant reorgs because of people leaving then managers only having like 3 reports remaining on their team. There is a divergence in visa dependent engineers who are stuck, while citizens/LPRs who often have more established skills and experience, vote with their feet to leave. Yes they have some cash cow products and entrenched lock-in but they are killing their ability to innovate in the future, as well as giving up on entire product lines (gaming). I dumped most of my MSFT holding and it is now only 4% of my account. I maintain exposure though VOO/VTI but I no longer want to be overweight in it.

ThanklessWaterHeater

Taking on a little more risk to get a little more return than VTI is fine. But \*crypto\*? What the hell?

Enchantedc0w

Just buy VTI. it will be on there as soon as next week

_Clit-Commander_

Just quit and buy VTI this is not for you lol

Outside-Prune3611

I tend to agree. I think people over complicate things. If I would have just held an S&P index since 18, I would’ve been way ahead of where I was 10 years ago (44 now). I have been disciplined and investing since 18, but I always thought I was smart and tried to be fancy, usually setting myself back or underperforming at the least. I think a portfolio of 100% VTI is a perfectly reasonable portfolio.

Dstein99

What percentage of the total market are SpaceX, ASTS, RKLB, OpenAI, CoreWeave. They aren’t in the S&P 500 because the S&P has a profitability requirement. ASTS is 0.03% of VTI, Rocket Lab is 0.07%, CoreWeave is 0.05%. SpaceX will probably enter VTI with around a 0.12% weighting. This bubble is around 0.25% of the total market. The difference is back in 2000 the nonprofit companies with inflated valuations had 0.5%+ to whole percentage weightings in the market so their fall pulled down the rest of the market.

PowBeernWeed

There’s more dumb money then smart money out there these days. Sounds like you’re also a financial professional. I’ve called the bottom relatively close to when it was by simply just hearing what people are saying. I used to joke, I bought VTI anytime I had a conversation with someone who wanted to panic sell. After a few of those ledge talk offs, I know we’re close to the bottom.

Axe_Raider

which indexes do you mean? 5 days for VTI. 5 days for Russell. 15 days for QQQ. what index is doing 45 days? > Due to extremely low float shares available (4-5%), the stock will moon when the major etf and funds buy it. float weighting. every major index besides QQQ is float adjusted. a company cannot hack its way into infinite growth by just releasing a tiny amount. so the only wildcard is QQQ. and you can find out how much funds following QQQ will have to buy, and then compare to the volume of SPCX to see how hard it will be to acquire that much. remember everyone planning to "hold on until QQQ buys" will be trying to sell at that exact instant.

TDot-26

I know I am. Back to VTI and chill with me. Held it all of 5 minutes and it was the most stressful 5 minutes of my life. I do not have the fucking heart for fucking gambling bruh

Pen_Swordsman

Already got 10 shares traded out of 8 at 165. Basically got 2 shares for free to hold while I just dump into VTI. If it moons at least the total market owns a bit of it.

_IscoATX

Less than 1% of VTI sis going into SpaceX.

TDot-26

I'm glad I have no idea what the fuck OP is talking about, VTI and chill I'm just here for entertainment

Bill_Clintons_Desk5

My buddy pays someone to put his money in VTI for him

Luxferro

How are they cutting to 20% when they are only releasing 4-5% to the public? SpaceX will only make up 0.1% of VTI according to Google.

Original_Mango9316

For those unaware:  By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money.  If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top. 

Original_Mango9316

For those unaware:  By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money.  If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top. 

TDot-26

I've got $1,000 worth of credit card cashback from Robinhood Gold card rewards and dividends from my emergency fund in $SGOV, which is currently in VTI. Sold the VTI, gonna play with SPCX. Either I lose a few hundred bucks or I make a few hundred bucks that I never had any intention of touching anyway. Gonna buy at market open for as cheap as I can, if it goes up 10% I'm selling and going back to VTI with my extra $100. Not staying in this until Monday. I do NOT want to be holding a meme stock over 2 non trading days while everyone plots over the weekend.

Original_Mango9316

For those unaware:  By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money.  If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top. 

Luxferro

It's not even 1%. It will be 0.1% of VTI according to AI. Want to learn the details, ask it yourself. It explains everything well. It's based on the amount of shares they make available to the public... Which isn't much.

RonShevlin_Research

First off, starting at 18 and actually sticking with it already puts you ahead of 95% of people. The hardest part is building the habit, and you’ve already done that. On the “where to move” question: Robinhood’s managed accounts are fine for getting started, but as your balance grows, you’ll want more flexibility and lower costs. Look into a proper brokerage like Fidelity, Schwab, or Vanguard. They offer excellent research, no‑fee trading, and much better support for things like tax‑loss harvesting later on. For a simple growth/dividend approach, a low‑cost total‑market ETF (like VTI or SCHB) will give you broad growth with a small but growing dividend stream. If you want to tilt a bit more toward income, you could add a dividend‑focused ETF like SCHD. At 20, your greatest advantage is time—every dollar you don’t pay in fees or lose to a bad gamble is a dollar that will compound for decades. Honestly, the best investment you can make right now is in your own knowledge. Read one good book (like The Simple Path to Wealth or The Little Book of Common Sense Investing) and you’ll know more than most advisors. You don’t have to be a genius to do well—you just need to avoid the big mistakes, keep contributing, and let time do the work. What’s been your main frustration with Robinhood so far? That might help narrow down what kind of platform would suit you better. Happy to answer any other questions.

Original_Mango9316

Literally the only major indice not fastracking it's integration, at least for now. Will be part of QUU, VTI, IWB, NASA and many popular etfs in the coming days tho.

Beautiful_Benefit319

You want a low cost weighted total market index fund. VTI or VTSAX. if you want US equities plus international exposure, use VT. These provide wide diversification and it’s very difficult to beat these index funds with your own basket of individual stocks

giraloco

VTI is free float weighted. Spacex weight will be about 0.11%, very small.

Bitter_Proof_9288

If you are holding VTI, just keep DCA and benefit from time in the market, it's simple. If your timeline is shorter then you should have some kind of defensive holding like a bond fund, or a value div fund, etc. and you put money in to that. If you have a diversified portfolio there should always be something to put your money in. Trim your positions as needed and rebalance to fit your risk tolerance. Also nothing wrong with having a small cash position if you are looking for an individual name to buy. But if it's just index funds and ETFs, I don't see the reason to not DCA.

Aevaris_

Depends on the index you use. The S&P itself, no, not until 1 year or 4 profitable quarters. VTI and VT, yes, it will be included. VOO will not include it.

JohnnyFartmacher

VTI is indexed to the CRSP US Total Maket Index. CRSP specifically changed their free float rule to enable SpaceX to be given the 5-day fast track status. VOO is indexed to the S&P 500 which did not bend their rules for SpaceX. If you want to completely avoid SpaceX (for now at least), VTI isn't for you. QQQ bent over the most, adding a 3x float multiplier which gives SpaceX 3x the weighting it would have otherwise had due to their low float. CRSP did not add a float multiplier

DanTaude599

the setup is solid. fwiw the VOO/VTI overlap in multiple accounts is a common thing to overthink. the allocation is fine. the part I'd revisit is only doing minimum 401k for match -- at your income you're probably in the 22-24% bracket, and every dollar going to Roth instead of a traditional 401k is a dollar taxed now rather than later. depends on your situation but worth running the numbers.

panconquesofrito

Sold my entire stake in VTI and bought VOO in preparation.

First-Finger4664

Liquidity outflows are going to make everything cheaper in the short term. If you don’t want to play in the US stock market right now, then ex-US stocks, bonds, real estate, and commodities (gold etc) are what’s left. Or honestly go the Boglehead route with VT/VTI and just say fuck you I’ll own it all and ensure I get a taste of whatever gets pumped.

ExperienceFun1646

DFUS is a good replacement to VTI for right now, since VTI will include SpaceX in the first 5 days

fzrox

All the retail who didn’t get allocation are gonna buy into VTI and QQQ, it will be a massive green dildo bro

092Casey

Do we really believe there won't be any dips after that AH rise? 🤔 I'm thinking VTI will drop at least a solid 2-3 points to 361-362 by open just to consolidate a little.

Live_Wishbone5108

It’s all good. There are a lot of tickers out there. I would bucket ITOT in the same category as VTI and VTSAX. The important thing is that if you’re looking at buying a broad market based ETF such as one of those or even the Russell 3000 for example, your portfolio will very very very likely end up at that the same place at the same point in time in the future. Sure, 0.01% - 0.10% total return difference over that time period but your balance will be roughly the same. Pick one. Stick to it. Trust the process. Buy more and invest often. Rinse and repeat. Use all that time you saved and go do something more fun with it lol

WittyMotor6797

Did I mess up by choosing VTI/VXUS over VOO/VXUS? Ive been investing 60/40% VTI/VXUS and 100% VTWAX in my brokerage and Roth IRA over the past 4 years, but have seen that VOO has had higher returns over the past 5 years compared to VTI. As someone that’s young (26), this makes me feel like I missed out on a lot of returns early on. Should I move my Roth IRA to VOO? Should I sell VTI/VXUS in my brokerage and buy VOO?

_IscoATX

VTI also calculates based on free float though so it will be an even smaller percentage of that portfolio than NASDAQ since it’s so much more diversified

Mobile-Bar7732

It will be part of VTI after 5 days because it tracks CRSP U.S. Total Market Index.

InvestingNerd2020

Here are a few popular ones (Different entry dates): - VT. Total world ETF. - VTI, SCHB, and ITOT. All total usa stock ETFs. - QQQ and QQQM. - SCHX. Large cap 700 ETF.

Jealous_Bookkeeper20

Even if you bucket them mentally, your net worth is still exposed to the same mega-cap concentration. If tech drops 40%, both your early bridge and late retirement pools take the hit together. Since the taxable account is for early retirement, it is usually better to optimize it for tax efficiency (holding low-yield equity index funds like VTI) and keep any tilts in the Roth to avoid dividend tax drag. How many years do you need the taxable bridge to last?

mhoepfin

This is the way. I’ll normally stay VTI unless I see a sector opportunity then I’ll take an appropriate sized position in that sector. ETFs only for me.

wha2les

Sure. I use S&p500 as the index example because they still have balls. SPTM is just the S&p version of VTI which is the etf version of VTSAX.

InternetSlave

I'm not touching it with a 10' pole. I'm fine holding a boat load of GOOG and NVDA and VTI. Wish y'all the best tho

ReportEcstatic155

Honestly you're gonna need to do a lot more research on your own before throwing money at anything. Nobody here can tell you where to put your money without knowing your risk tolerance, goals, timeline, etc. Start with broad index funds like VOO or VTI if you want something simple for long term.

SilkyS79

I sold half my position, luckily last week. I still hold a lot of VTI so I will still have plenty of exposure to spacex. VTI weights things differently from what I read so it will not overweight if I understand correctly

youngishgeezer

Today is now looking like the big day. VTI is up 1.38% and VXUS is up 2.59% as I type this.

drew-gen-x

If we can get thru Friday w/ $VTI, $SOXX, and $VXUS all holding above last Friday's close then I think the bottom just might be in.

Prestigious_Law9135

all index funds will hold SPCX, and we'll be at risk if insiders sell off during this overhyped IPO. Considering switching from VTI to VTV. What's your opinion?

MeanLocalFriends

First, you said it all in your op. Down is good!  95% of your savings should be boggle head style. VT and chill. VTI or VOO or fine too. Whatever it hardly matters.   DCA.  Own some real estate  Allocation: /10? 80/20? 70/30? Up to you and how far along you are. Then have a 5% account to feed the degen goblin WSB style.  I dont regret any of it. Have fun and enjoy the process.  

FullDerpHD

This Voo or VTI.  It's simple and historically basically fool proof. Just don't panic and sell if the market has a crash. It will recover.

drew-gen-x

No, but I am open to the possibility that we retest the 200 DMA just like we did in March. The chart patterns look very similar on $VTI and $VXUS as they did around this same time in March.

DarkVoid42

just buy VTI/VXUS. dont overthink it.

ScytheBuster452

It’s a decent start, but keep the core simple (mostly VT or VTI/VXUS) and only add small side bets if you can hold them for years.

Sufficient_Habit5091

Another scam created by an easy money environment going into VTI and retirement accounts lmao.

UVIndigo

Welp, sold at the top with my monentum funds recently to hold some cash as it all seemed too good to be true. Is now the time to buy into some VTI with that cash and just hope it doesn’t freefall from here? Kicking myself for buying a little yesterday.

DampCoat

You may need some VT/VTI/VOO and chill in your life

hellobubbles1

VTI and VTSAX will be affected fyi