VTI
Vanguard Total Stock Market Index Fund ETF Shares
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Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
IRA vs. Taxable Account (Keeping the money in for 20 years).
Avoid chasing new AI chip stocks and accumulate TSM?
Moving Cash Allocation into Tax Advantaged Accounts instead of After-Tax?
Tax-loss harvesting vs rebalancing into VTI before a 2028 home purchase?
$119k VTI/VXUS long position YOLO. I'm a wild and crazy guy.
What’s the best way to draw down from a money market fund?
Thoughts on FZROX and FZILX over VTI and VXUS in a Roth IRA?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Sell individual stock at a loss, pay down principal or reinvest into index funds?
How should I split my Roth IRA between VTI and QQQ?
Are bonds/fixed income really required for someone approaching retirement?
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
Best Way to Diversify Brokerage vs Roth IRA?
Choosing Between Lump Sum and Weekly DCA VTI
40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
19-year-old college student looking to invest for the long term. What would you buy in 2026?
39M tech PM. My RSUs quietly became 55% of net worth and I didn't notice till last week
I invested $6000 for the first time in February and I'm down 22%
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
Sold $HOOD, took profits, and re-entered. Do you believe in Robinhood long term?
60 VTI/ 30 VXUS/10 VMFXX. Should I (33) rebalance to include bonds?
Too much of my portfolio is from RSUs - how would you diversify?
I spent 6 years trying to beat the market. Mostly I just learned how hard that is.
Critique the direction of my 14yo son’s Roth IRA we started this year
How does this mixture look for my 14yo son’s Roth IRA?
New to investing, not sure if im doin it right
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
Paying 1.86% at Ameriprise and thinking about simplifying. Is that fee still reasonable?
What $10k invested in 8 major indices would be worth today *PART 2*
What $10k invested in 8 major indices in 2011 would be worth today
Bullish thesis for SPCX into the summer
Bullish SPCX Mechanical and Macro Thesis in the next month
Donor Advised Fund (DAF) asset allocation, crypto?
Aggressive Roth IRA at 18 – What Would You Change?
Spacex, OpenAI, and Anthropic IPOs are investment opportunities and don’t let anyone tell you otherwise
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
place for stock picks that are not used for calls or puts? Higher risk growth picks?
Funds like VT that don't have the typical index problems
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
27M, with a little over 100K on bank MMA Account, what next?
feels crazy to buy stocks that are over 4x higher than when i first invested, not sure what to do
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Mentions
Just go with ETFs like VTI, buy and forget
I was 100% 'VT or bust', but I recently learned that you can save a bit on foreign taxes as a US investor by doing a VTI/VXUS split, which is ironically close to what I have already
Dividend payouts lower the Market Cap of the company giving them because they have less money to re-invest in themselves. Overall its a zero-sum game. Dividends also are a taxable event, so you could argue they are less efficient. That being said, VT is still your best choice for full world diversification on stock from a single ETF. I'm personally running VTI + VXUS so that I can manually adjust allocation.
24M, making about $95k/year in the US and looking for some advice on how to position my taxable brokerage account for the long term. Current situation: * Roth IRA + Roth 401(k): \~$35k total, 100% VOO * HYSA: Usually keep around $10k-$15k * Schwab taxable brokerage: \~$23k * About 95% of the brokerage is currently in QQQ * No major debt that is affecting my investment decisions I'm comfortable with risk and market volatility. I don't see myself panic selling during a downturn, and I'm generally looking to invest for the long term. My main concern is that I'm probably too concentrated in QQQ, especially considering my retirement accounts are already 100% VOO. I like the growth exposure of QQQ, but I'm wondering if having almost my entire taxable account in it is taking on unnecessary concentration risk. The one thing making my time horizon a little difficult to define is that I may want to buy a house in the next 3-5 years. That's definitely not set in stone, though, and I don't necessarily consider the entire $23k brokerage account to be my future down payment. If you were in my position, how would you think about diversifying the taxable account? Would you keep some QQQ and start directing new contributions toward something broader like VTI? Add international exposure? Actually sell some QQQ and rebalance now? Or leave the existing position alone and diversify with future contributions? I'm mostly interested in hearing how others would approach the concentration issue and what kind of allocation you would consider for someone my age who is comfortable taking risk.
Open a brokerage account. It's just a specialized bank account that allows you to invest the money in it. Then if you don't have an emergency fund (six months expenses), then shove that much into a money fund. Which money fund depends on which brokerage you use. Like SPAXX (Fidelity), SWVXX (Schwab), VMFXX (Vanguard), whatever. The key here is that it's low risk, something like a savings account. Beyond that, you can invest in whatever you want. But if you don't know anything and you're looking to get your feet wet, a broad ETF is probably what you're looking for. Something like VOO (S&P 500), VTI (total US index), VT (total world index). Be aware that you are taking risks with that money -- if the market drops 50% tomorrow, half your money disappears. But long term, markets tend to go up. You should also consider opening a Roth IRA. It's a brokerage account specifically for retirement funds, so you get some tax benefits for putting money in there but there are restrictions to when you can take money out. Also there are income limits, but ways around those income limits, so it's a whole thing.
Look up the Ray Dalio all season portfolio. It’s average through the dotcom bubble, 2008 crisis, 2022 dump, etc. was still above 7%. It’s super easy to set up. Otherwise, check out the dividends sub and get a mix of SCHD TLT and VTI
That's awful, so it's good you realized and asked; now you can get on the right path. Open a Roth IRA at Vanguard or Fidelity and initiate a transfer. After the transfer to Vanguard or Fidelity is complete, sell the American fund within your Vanguard or Fidelity Roth IRA and invest the money however you like (VT + BND or a Target Date Fund). [https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers](https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers) You're familiar with VOO, and here are a few other funds that are commonly referred to: VTI - Total US stock market VXUS - Total International stock market (excluding US) VT- Total World (VTI and VXUS combined conveniently into one fund) BND - Total Bond, although this designation isn't quite as accurate as the total stock market funds are [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) I recommending perusing r/Bogleheads regularly.
Remember: VTI and chill 😆
Without knowing the dollar amount of your portfolio I’d ask do these small percentage holdings cause any measurable movement to your net worth? I wonder if you’d be best off just deploying the majority of funds towards VOO/VTI and then having a percentage towards an AI/semi/tech fund
All my wealth is from VTI and VXUS.
i invested into VOO, VFVA, QQQ, SCHD, VXUS, and VTI and for my roth ira, i only invested into VOO, SCHD, VTI and QQQ
VTI+VXUS or VT is a fully diversified world market portfolio. QQQ is not nearly as diversified. Nobody knows if VTI+VXUS or VT or QQQ will do better for the future because nobody can predict the future. By being less diversified QQQ has more uncompensated risk vs the world market.
Not a huge difference. If you have current gain in VOO, don’t sell, just keep, and allocate future dollars to VTI. Spice it up and get some VXUS too, or just do one fund like VT.
You think it would be better to DCA into VTI rather than VOO?
Since I already have a lot of my portfolio in VOO, do you think its really that important to invest in VTI? I assume the benefit of VTI is more diversification, but I feel like VOO and the other ETFs I have already give me pretty good diversification already. What do you think?
in my opinion, it's best to invest in companies that you personally use and enjoy. I think RDDT and HOOD are becoming very popular and can only grow from here. I still invest mostly in VTI/QQQ/SPY but add a small amount to these two companies (among some others but I don't recommend those to you)
The indices moving higher is more of a reflection of the demise of the value of the DXY than the economy. You mention 5.011% on the 10 yr likes its a line in the sand. 5.011% is still WAY too low of a rate to encourage funds to move from equities to bonds like $VTI to $TLT in anything less than a trade. US 10 yr would need to move to at least 7-8% to encourage demand to meet the new supply. People demand 2-3% ABOVE real inflation to make bonds worth their time or investment. When I wasted time here before I was encouraging buying $VXUS and $GLD. That hasn't changed. You don't need to watch the daily stock movements to realize the end game is a weaker USD and higher asset prices. Everyone should be focusing at the value of the denominator rather than the value of the numerator when trying to figure out stock, indices, or asset prices like housing, crude oil and gold. Cheers.
Dang I’d take the triple and use it elsewhere like VTI
You are buying one share. Just buy a diversified etf like VT or VTI+VXUS. But like others have said, 1-2 years time horizon you should be parking this cash in a high yield savings account
Stock outperformance is more complex then people think. People associate the words “tech/growth” with more return because they sound like they should give more return, but they actually don’t. QQQ on a longer basis actually underperformed - over 100 years, small cap and value (not growth) outperformed. We got though cycles of different things performing well, and the past decade has been a large cap growth cycle. But for what comes next, we don’t know, and we shouldn’t assume QQQ will keep winning over something like VTI, because the math and history says it won’t.
SGOV should be used as an emergency fund. The foundation of your portfolio should be a very low expense ratio index fund like VT or VTI. I don't like QQQ because of its expense ratio, there are better funds than QQQ, with lower expense ratios.
I don't think they're very comparable. VXUS is a total international market fund that has thousands more holdings than VYMI, including small caps and emerging markets. VYMI has a factor tilt for dividend and a much larger concentration in financials. So the dividends could be a tax drag for many and it's a different strategy altogether. VXUS's Ex-US and broad diversification across small,mid, and large caps versus VYMI's ex-US dividends. With all ETFs, it's worth asking what your goal is. If you want to own the world outside the U.S. then you go with VXUS. If you want to own the higher dividend subset of the world outside the U.S., then go with VYMI. Many people construct a three fund portfolio of VTI, VXUS, and AVGV (factor tilt) which would also cause significant overlap with VYMI. If you're focused on mature dividend paying companies then a two fund portfolio of DGRO and VYMI might be what you're after. For a VXUS alternative with a tilt, DFAX would probably be worth consideration. But again, then you're introducing a factor tilt.
Don’t sell what you already have to buy something else, otherwise you’ll be taxed on capital gains. QQQ is solid, but has a high concentration in tech so has a bit more risk. I personally would start putting future contributions into an etf that tracks the whole US market like VTI and put a small percentage into an international etf like VXUS. VOO is another good option that tracks the S&P 500 but it overlaps heavily with VTI, so pick one or the other.
Mostly VTI. But I have like 15 or so percent in a few individual stocks. JNJ, NVDA and AMZN
Swing trading con $100k suena tentador pero la matemática rara vez funciona a favor de uno mismo — necesitás acertar consistentemente en timing, algo que ni los fondos profesionales logran la mayoría de los años. Yo lo dividiría: una porción grande (70-80%) a un index fund total-market tipo VTI o VOO y me olvido por años, y si de verdad querés la adrenalina del trading activo, separá un 10-15% como "dinero de jugar" que podés perder sin que te arruine el plan de fondo. Así no apostás el total a que le vas a ganar al mercado.
A 70/30 VOO/QQQM split is still a fairly large bet on the same mega-cap growth names, so I wouldn’t call it much more stable. For a 20-25 year horizon, I’d keep the core broad with VTI or VOO and only add QQQM if you knowingly want that extra concentration. Separate sub-accounts won’t change the combined risk or return, tbh.
I would put so much in QQQM or riskier sector specific ETFs. I remember when the Nasdaq 100 index fell from 4705 in March 2000 to 805 in Oct 2002. It took until 2011 to recover the losses. Anyhow, large cap growth has seen good times lately. But if we have another 2000, you’ll be able to sleep if you own things like VOO and VTI. That’s the direction I’d personally go.
>I just made my first buy to push one of my holdings... Why do you have multiple holdings if you are using such low amounts. Just put everything into 1 diversified fund like VT or VTI. It will build quicker than spreading it out over multiple funds
It is a hedge. Maybe 2-3% in gold. Oil is about to drop gold hard potentially though. In a liquidity crunch it also gets sold off. I could see someone doing max 9% but VTI and chill if you are worried
Dollar inputs are the right way to think about it. Percent sliders hide that VFIAX $2000 plus VTI $1000 is still almost all large US. For the taxable sleeve i already run VTI vs VXUS through etf compare on moomoo so i can see cap mix and how much of the globe i own. The 401k menu is a different problem. Portfolio Visualizer or a spreadsheet still wins there because most broker tools will not take share classes you can't trade
I’d look for the equivalent of VOO VT or VTI available to you
I manage my sons IRA and have him in the following. I prefer vgt over nasdaq based on personal preference. VTI 49.9% VGT 26.2% VXUS 17.6% DRAM 4.0% EMEQ 2.4%
Index funds (VTI) man. They exist to protect you from your own stupidity.
I moved from VTI to VDC. Agree there is no way to completely eliminate but there are ways to minimize. The stock market will crash...it is more how to manage the damage. Consumer staples only dropped \~15% in 2000 and 2008 crashes
You need international stocks. International stocks beat VTI and QQQM in 2025 and international stocks continue to beat US stocks in 2026. US vs international stock outperformance is cyclical. After an unusually long (16 year) cycle of US stock outperformance that cycle appears to be over. You should have 25-35% in international stocks continue. reddit will recommend VXUS but I prefer VYMI. forward. **Vanguard projects international stocks will beat the US for 10 years.** https://www.msn.com/en-us/money/other/vanguard-projects-international-stocks-will-beat-the-us-for-10-years-here-are-3-etfs-built-to-capture-that/ar-AA200o0l **Investors who stay "close to home" may miss growth opportunities** https://www.fidelity.com/learning-center/wealth-management-insights/international-stocks **2026: International Stocks Seem Set to Shine** https://www.schwab.com/learn/story/2026-international-stocks-seem-set-to-shine **The Case for International Equities** https://www.dodgeandcox.com/individual-investor/us/en/insights/the-case-for-international-equities.html
\- [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) \- [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) I would suggest you just go all in on VT, which is \~60/40 US/ex-US, or go with VTI/VXUS at whichever ratio you feel best with. I am currently 80/20 US vs. ex-US. There is no need to put each ETF in its own sub-account of your main account.
Yeah I made a mistake. I meant the VGT, not VTI. I edited my post.
Yeah, what? VOO - 500 of the largest US publicly traded companies VTI - ALL US publicly traded companies VTI, which contains more individual companies, is MORE concentrated than the one that is concentrated on the 500 largest companies? What a world.
lol VTI is too concentrated and want voo instead. How about you look into actual holdings of these funds
Why is VTI exploding after this news? I dont get it.
on my roth ira, i’m in: VOO, SCHD, VTI, and QQQ on my on my individual: VOO, VFVA, QQQ, VXUS, VTI, SCHD
Buying VTI for my IRA. Boring stuff.
I just bought $60k of VTI, SCHD and SMH 2 weeks ago should I sell them all?
I want to buy VTI under $350 again please.
Not OP, but general question. I sold all of my holdings in SNDK (yes, early I know but made good profits). Which ETF should I park 1.5m into? I want to get out of investments for a while. What's better between VT, VTI, etc.
No it’s dumb. I have $300k in a MMMF collecting only 3.68% now when it could be in VTI doing 10%+. Really dumb of me not to have lumped it when spy dipped down to $630
I use BAR for exposure to gold as a commodity. Tracks the price decently and has a low expense ratio. Have friends who do miners instead but there is the overhead of the business and you are hoping they can dig out enough to offset the costs. Mabye i'm just lazy but already have exposure to businesses through VIG and VTI. So owning the commodity with a low expense ratio seems to make sense. Also stick with gold because it is used as a reserve asset by other countries and balances the bond holdings in my IRA.
Legit advice: if you're this scared, sell it all and only DCA into broad ETFs like VOO or VTI
Answer 1 (polite): Do what you feel is right. Nobody can really answer that for you because nobody knows for sure. You need at least 2–3 years. You have a bit more volatility here, so the ups and downs will be bigger accordingly. If you want to play it safer, go with SPY. If you want even broader diversification, go with VTI. Answer 2: Learn to fucking experiment and stop asking stupid questions! Everyone trades differently. Personally, I think you’re a pussy for trading those safe stocks!
Hmmm you quit options to trade on Microstrategy which is another risk-play on Bitcoin? My friend, what about some Vanguard Total Index (VTI) for instance? Wanna share the whole portfolio?
Fwiw, VTI still pays dividends, so a taxable account isn't fully tax-deferred even if you never sell. Max the Roth IRA each year if eligible and invest the remainder in taxable now; a traditional IRA only wins if the upfront deduction and your tax rate in 20 years outweigh paying ordinary-income tax on withdrawals.
VTI has dividends, it's pretty hard to think of an ETF that has none.
VTI has dividends that are taxed yearly. And after 20 years you are paying gains on everything you sell. >same as would be the case for the IRA Not if it's a Roth IRA.
But I'm not taking any money out until 20 years from now, so for both accounts, aren't they both growing tax-deferred? In the taxable account, I'm not being taxed on anything until I start taking out withdrawals 20 years from now, same as would be the case for the IRA. And no dividend stocks to be taxed on in the meantime, just a VTI or similar.
Lmao just buy SPY VOO or VTI and chill
Have you already maxed out your IRA this year? If not, move $7,500 into your Roth IRA and do a 70/30 split between VTI & VGT. If you already did that, then invest 5k in VGT. Move the remainder (either 37.5k or 40k) into VMFXX. Treat the VMFXX account as a fully funded 1 year emergency fund. Some folks say as little as 3, others say 6 months. But having a full year already funded, I’d just lock it in and collect interest from Vanguard. Having gone through a layoff, it makes it much easier to sleep at night. Every few months, sweep out a few hundred you gained from VMFXX and invest into VTI in your traditional brokerage. Now just focus on maxing your 401k contributions.
My advice isn’t the most optimal, it reduces risk, monthly expenses, and reduces mental load (one less bill to deal with). Pay the car off. Keep the rest as an emergency fund, setup automatic investments on a weekly or monthly schedule. VT, VTI are solid choices to invest into long term.
Personal finance would be better. You need a safety net in cash, around 3-6 months expenses. So, keep ~$18k in cash in a high yield savings account or money market. Then you should pay off all debt with an interest rate greater than about 5%. Then you should max out your retirement accounts. Then it becomes more about what you want for your life. Save for a major purchase like a house, or you can invest in index funds, or pay off your low interest debt, set aside some budget for travel or hobbies, etc. If you actually just want to know what to invest in, probably just pick VTI. It has low expense ration and broad exposure which is all that really matters. If you are more pessimistic or have major expenses in the next few years, buy more bonds.
If it were me: Do not buy more real estate. Have an ample emergency fund and housing fund to cover a layoff or large home expenses. Max out your retirement accounts for this year and the next if you don’t already have an ample amount. This will compound like crazy and save you a lot of time so you can retire sooner. Stuff like a Roth roi can be 10%+ ROI tax free. Set your 401k contribution really high so it maxes it. 10k in (7k VTI + 3k VXUS) in a brokerage. This will develop a good habit and learning experience if you are not investing properly that will follow you for hopefully the rest of your life. It is also accessible if you need it at any time. If you have a 401k after it’s maxed for next year plus your Roth IRA. In 2027 id put the remaining 100k+ put it towards the house and make sure it goes toward the principal. Keep working and saving as usual maxing out your retirement accounts and paying off the house sooner if you can.
If VOO tanks we have bigger problems. However if we see a decline that just means it’s on sale and I’ll load up even more. If you’re actively reading this on Reddit (you’re 18-60 probably) we will see a recession in our lifetime. I have cash set aside waiting for this to happen to dump into the market. VOO/VTI/VT etc you can’t go wrong to continue to buy no matter what
Recast the mortgage to lower your monthly payments. Something in the realm of 100-150k. Get some estimates from your lender. The rest goes into VOO or VTI or whatever flavor you prefer. This way you lock in the 6.45% “gain” of paying off principle, while still probably gaining more in the index fund or ETF, and it’s still largely liquid, which is good in case of emergencies.
I mean sure but it will take a major hit. I was thinking the same until I realized how much influence tech stocks have on voo. It’s huge. And if they all stumble, it could take a while for voo to recover and reach new highs. I mean only reason voo is going so high so quickly is because of tech stocks and ai stocks. If tech in general goes down, voo will break pretty badly. VTI however is better in that case. But hey! When that happens, everyone’s losing money while some get rich…
Yeah it’s not that complicated. I’d do VTI + VXUS though instead of VOO. If you want to try to pick stocks go for it! You’ll probably learn it’s not worth it and you’re not good at it.
Even a company with the financial depth and breadth like NVDA will not be immune when the bond market comes calling (US 10 year yield is at 19 year high; equity risk premium at 19 year low) and the ripple effects it will have on equities markets. Good luck navigating that [Minksy Moment](https://en.wikipedia.org/wiki/Minsky_moment?wprov=sfti1#Description) with the level of concentration risk you currently have. It’s not too late to diversify and risk manage this appropriately with more allocation to a broad index etf (VTI) and 3 month tbill etf (sgov). Bull markets are like gasoline on the fire of human hubris…
Jack Bogle already set the path. When starting out, stay with index funds. SP500 index (VOO), Total Stock Market Index (VTI)... set aside a fixed dollar amount and buy that amount every month (or week or paycheck period, you get the idea). Automate that. Learn to ignore the market. Jack Bogle again - "Don't just do something. Stand there". Don't panic when markets drop, don't rejoice when markets rocket up. Just keep buying through the automated process - the same index funds (maybe one caveat, when the market drops, perhaps you can do some extra buying). This is insanely boring. But you'll thank yourself in a few years. Also, accept these facts - long term is AT LEAST one full year. No sooner; you cannot avoid taxes; there's no such thing as free money (caveat here, employer 401k match); never stop learning how Investing works - it's not what you'll find on social media (it's not a scam, it's not exclusive, it's not a quick buck) Once you have gone through a year or two of this simple and boring investing, you can dip your toe into individual stocks...
I think the circular financing worries me more than the debt by itself, since it can make demand look stronger than the underlying customer cash flows. Dumb question: does broad diversification through something like VTI actually reduce much risk here when the biggest tech names are such a large share of the index?
I like keeping a big chunk of my portfolio in a global ETF like VTI or VEQT and keep a max % allocation for single stock plays. Sometimes the best thing to do in the market is sit on your hands and do nothing until the lucrative opportunity arrives. Stuff is looking frothy and fearful with sticky inflation and Fed monetary policy tightening, big risk of Japanese carry trade unwind and bond markets demanding more fiscal restraint from US gov (and many other G7 governments). which is pushing yields higher (watch out for the US 10 year above 4.8%). This is not a risk on market currently. Bank some paper profits (toilet paper has more value than unrealized gains)and keep an eye out for opportunities! Oh and always remember; **Time in the market > timing the market**
You are just gambling and this happens when you gamble. Put it in safe investments like VOO and VTI and walk away for a while. Like 6+ months. After that, dont put more than 5% (just my personal benchmark) into options. Winnings go back into ETFs, losses are losses.
the best strat is just to pick a world ETF and do nothing. VTI if you're American, VALL if you're non US. If you deviate from this, you accept a level of risk and underperformance
lol in this sub people blow 10k in a day and call it just another Tuesday. You can't go wrong with the ETF investment. Take it easy on those "principles" and invest in QQQ, SPY, VOO, VTI; I personally don't like healthcare specific ETF, but there is nothing wrong with that choice either. Gold has historically underperformed the stock market. So keep that in mind. Gold return has been about 5% annually in the last 100 years versus 10% for s&p. Having said that, maybe the next 5 years gold outperforms, who knows. I personally never invest in gold. congrats for investing, and good luck on your investment journey.
Yep, maxed my 401k, roth IRA, kicking myself for not doing HSA too. Earlier in my working years, I also invested as much as I could between 2010 and 2018 even though I didn't have much to invest and it was on the tail end of the lost 14 years of market malaise (2000-2014) and people like my parents thought I was nuts to put my spare money into VTI or VOO.
At 18 may think about AI in terms of phases, I think the infrastructure is still being built out so I would still buy NVDA but less of the others. Then the next thing is look for AI software companies who will stay on top. My guess is Google and Microsoft. I don't own microsoft and I just got back into Google. Over the years if I did nothing but buy google I'd be in the green but stupid me jumped around for decades, luckily landed on NVDA. So yes I'm really heavy on AI. Diversifying is a lie, don't listen to others, even college professors preached the same. Find the few companies, handful you love, use, and others use it. Then buy those companies until you make enough to transition over to an ETF like VOO, VTI or something similar. I'm playing catch up. Wish I had enough years to buy ETF to retire on. So I'm just riding the wave until I retire.
Mind if I ask, why VTI over VOO?
I went from 100% domestic to 60/40 VTI/VXUS as my core in early 2025. The International portion has smoked the domestic portion since then. So much winning for the US
With the 🥭 in power, anything other than VOO or VTI or their equivalents just feels like using a slot machine
I got my mom to sell all of her Lulu stock 2 years ago and dump all proceeds into VTI. Very happy with that decision
Buy and hold VTI / VXUS and stop trying to buy high / low and focus on making more money to invest more money. That's it. That's the entire strategy.
Bogleheads view the stock market through broad diversified index funds. When considering their 3-fund portfolio (VTI, VXUS, BND) it makes sense to talk about VXUS outperforming VTI or vice-versa
Working hard made me a millionaire. Now, with all that earned income invested in VTI & VXUS has come growth… which yes is in the millions now.
For sure. The greater fool theory isn’t a bad way to go in this day and age because… well there’s a lot of fools. I don’t think Bitcoin is going anywhere either, I’m sure at some point in my lifetime it’ll be worth some astronomical number (probably). But if you listen to the proponents of bitcoin and read the books about bitcoin and crypto, they constantly contradict themselves and we’re now what, 14-15 years into this thing? And there has not been a single “killer app” on the underlying tech of bitcoin or other cryptos (the blockchain) that hasn’t also been produced and adopted within the traditional currency system. I just think it’s mostly funny and all - and to OP’s point, a person could have way less downside risk and just buy VTI and chill.
Nice! I would diversify more. You’re taking too many risks. I have some nice bond suggestions. You should be 40/60 stocks/bonds. A good ETF is VTI. All world. Smooths out the numbs.
If you had reinvested the 600k into VTI you'd have over $2 million today.
What are you doing with the money now? Buying VTI/VXUS? Why was this your investment strategy in the first place?
I did the same. Loaded the boat on each dip over the last few months around $350-$375. Sold at $510. Now I’m a grandpa moving most of it into VTI
In reference to GPUS, (datavault), you probably seen some posts about insiders bought recently, ignore it unless you want to be exit liquidity (it will get diluted) - They do not make any **G**raphics **P**rocessing **U**nits, (the dedicated component responsible for computer graphics, etc) - it's dog shit - It's not the next Nvidia, AMD, Intel (yes Intel used to make dedicated, non-integrated Graphic Cards.) - it's not a hold stock (it's not VT, VOO, VTI, etc, etc)
DCA into VTI while you learn, then start small with shares of good companies.
**27M Investment Portfolio** **Roth IRA:** 100% VTI **403(b):** 100% VIIIX **457(b):** 100% VIIIX **Brokerage:** 46% VOO / 54% SGOV
Anyone in the accumulation stage should care about total returns within their risk tolerance. I am 36 and I have thought about dividend stocks in retirement for peace of mind of having income without selling shares. But at age 36 I would be a fool to invest in SCHD instead of VTI.
VTI/CIBR my favorite ETF's
Your taxable income from SGOV and BOXX should be dwarfed by the capital gains, short and longterm, from selling VTI in the brokerage account. Keep all your cash in the brokerage and use the tax advantaged accounts to take advantage of not having to pay taxes, at least now, on the gains.
I have a Roth IRA with 43% VTI ( US Stocks ), 14% VNQ ( Real Estate), 13% LQD ( Corporate Bonds ), 13% VEA ( Foreign Developed Stocks ), 11% VWO ( Emerging Market Stocks ), and 6% SCHP ( TIPS ). What should I look to build in an individual stock account? The Ira is a robo trader I’ve had for 5 years now and I am now looking more into the individual stock account.
I have deep capital gains in VOO, VTI and a little VT and will possibly start using some of the money in about 16 months when I plan on retiring. My sentiment is bearish so I constructed an XSP protective collar with 2 contracts expiring in December 2027 and 5 contracts expiring in Dec 2028. No cost collar and it ended up being about 118/90 for the top and bottom collars. Plan to let it ride nearly to expiration or maybe roll the 27’s to 29’s depending on my cash flow situation.
VTI and chill homey, it beats your fantastical portfolio.
this is the endgame. would do VTI VXUS VOO though
Hmmm maybe VTI + VXUS was actually the smart thing to do.. who woulda known
Didn't realize VTI paid dividends