VTI

Soggy_Fudge9266

Is this not due to the clever policies of the U.S. government? The U.S. system was designed for all American citizens to buy stocks. Peter Drucker already predicted the dominance of the stock market by pension funds in his "The Unseen Revolution" in the 1970s. Currently, about half of U.S. mutual funds seem to be held by pension funds. The U.S. population is projected to continue increasing until 2070s, according to the IMF and others. I believe this suggests that for the foreseeable future, the number of people buying mutual funds will likely exceed those selling them. (The population increase might be slightly questionable now due to Trump's policies, perhaps?) Given that pension funds tend to hold onto their mutual fund investments, the combination of the pension system and the population growth forecast ensures that capital fundamentally continues to flow into the stock market. As a Japanese person, the S&P 500 is popular as an investment target even in Japan, and I personally purchase an ETF (VTI) similar to the S&P 500.

Nosemyfart

You lost 200k and this is what you want to go with? Please just use 2-3 index funds and call it a day. Personally, I would just do VTI + VXUS 70:30 and call it a day. Sleep really well at night too. And with 10k/month, baby you got a stew going.

LanceX2

....just buy VTI

Adventurous_Elk_4039

\>Does that seem reasonable long term? Yeah absolutely. VTI/VXUS in any ratio from 80/20 to 60/40 is usually recommended. And if you want to have a small percentage set aside to factor tilt or make some plays, nothing wrong with that at all.

Barbaricshrooms

Thanks for the reply! I don’t mind putting some thought into my investments, like rebalancing once in a while. I’m okay with a little extra effort to hopefully get more growth since I won’t be able to invest much until I finish my internship and education and have a more stable career, but I don’t want to be constantly watching the news or making frequent changes. I was thinking of using VTI + VXUS as my simple core and then keeping small tilts like SMH/SPMO/AVUV to lean a bit more into growth while still mostly “set it and forget it.” Does that seem reasonable long term?

Barbaricshrooms

Thanks for the reply! I don’t mind putting some thought into my investments, like rebalancing once in a while. I’m okay with a little extra effort to hopefully get more growth since I won’t be able to invest much until I finish my internship and education and have a more stable career, but I don’t want to be constantly watching the news or making frequent changes. I was thinking of using VTI + VXUS as my simple core and then keeping small tilts like SMH/SPMO/AVUV to lean a bit more into growth while still mostly “set it and forget it.” Does that seem reasonable long term?

CoolWerewolf

I own 2,000 shares of VTI because I believe in the orange man and 🇺🇸🏈🦅🏈🎆🎇🧨 🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸

Yogurt_Up_My_Nose

10,800 shares of SCHB which is basically VTI. also 2 shares of SPY at $420.69

BagHoldersOfAmerica

I do schf, 3000 shares but VTI good

Sensitive-Mango3216

VTI is solid but yeah being 100% US is kinda limiting yourself. I'd probably throw some of that 5k at international exposure before switching to SCHG - at least you're getting more diversification instead of just betting on large cap growth SCHG isn't terrible but like the other comment said, you're basically just concentrating your bets when you already have those companies in VTI anyway

dritu_

VTI: 40% KMLM: 20% DBMF: 20% GLDM: 10% TLT: 10% Gets close to S&P returns with 1/3 the drawdown. https://testfol.io/?s=5lit5gboz6a

Far_Line8468

Based parents. They should take all that money from you, stick it in VTI, and lock you out of touching it for 2 years.

trontomoon

Try to convince your parents to at least let you invest in passive ETFs like VOO, QQQ, and VTI. This should be more than enough at your age. If they still don't allow, then save up as much as you can till you are 18. Great work so far!

Scandalcraft

VTI dropped 5% from ATH  I added 10% of my cash to that position. 

rpv123

My “fun” portfolio that represents about 5% of my overall savings is up 111% since last year with no added stocks since Nov 2024 and I’m still only putting money into “safe” ETFs because I have the ability to recognize that I probably got lucky with AMPX going up 5x what I paid for it and it includes Walmart as well which helps. I’m still putting most of my money into VT/VTI (yes, I know they overlap, I don’t care because I like my specific ratio/risk analysis and I think the argument that they’re redundant is dumb.)

InitiativeSeveral652

VTI

Shoty6966-_-

Like 70% VOO and 30% VTI and chill man 😎

Rybred22

With all due respect you do not sound educated on houses or stocks or ETFs. So, put savings in VTI and take $150 from your pay every 2 weeks and automatically invest it in VTI. Should take 15-20 min to open an acct and set this up. If you do this and don’t touch it for a while it will be worth twice as much every 7 years.

RedParrot94

You must be young without a family. Remember, it's INSURANCE. You are buying it to protect your family. Sure you can put the payment into VTI every month, but let's say you put in one payment into your brokerage and then die. Your family get $250 whereas if you had whole life, they'd get $250,000.

The-WideningGyre

I'm personally not bullish on META, but I've never been, so obviously not the most accurate there. SNDK seems solid, and partaking in the compute hw buildup. However, I think you may have missed the main run-up (of course, nobody knows). ADBE I'm pretty skeptical. I think AI stuff (which they also do well) is going to shrink their market substantially. Like half the low-level graphic designers are going to be out of a job because you can ask AI to produce a logo and get something similar. ROBO is interesting -- I hadn't seen it before. I personally would say 5% for ROBO and VRT, 10% for SNDK and the remaining 80% in either VOO, QQQM, or VTI. Okay, this is your play money, so bump up the %'s in single stocks, but I'd personally look into other options or plays than ADBE or META. Some of it depends on what is going on in your main account, and how concentrated or balanced it is. I do think for "play" stocks, that you're hoping will explode, there are more interesting options (drones, quantum compute, space, cybersecurity, materials like uranium or rare earths). Be clear, it's gambling, but that seems to be what you want to do anyway.

FINomad

>Since you're already heavily invested in VTI, putting the additional $5k into SCHG (Schwab U.S. Large-Cap Growth ETF) could help diversify your portfolio a bit more within the U.S. stock market. No. Exactly the opposite. SCHG holds 197 stocks, 99% of which are already in the 3,539 held in VTI. By holding SCHG, you are becoming **less** diversified than holding VTI by itself. NVDA is 6.6% of VTI. It is 10.8% of SCHG. AAPL is 6.4% of VTI, 9.9% of SCHG. MSFT is 5.6% of VTI, 8.6% of SCHG. See how you are less diversified by holding SCHG? You're just holding more of the top stocks. You can use [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) to see the overlaps.

Reasonable_Friend616

VTI = total market. SCHG = large-cap growth. So the choice is really between staying fully diversified or leaning into growth.

SpellAccomplished541

True. I just want to share so young people buy VOO/VT/VTI/etc instead of listening to hot tips.

jb59913

I'd just stay with VTI. There is a lot of correlation between those two funds. Additionally, I wouldn't want to increase my concentration to the tech sector higher than 50%.

baseballer213

You have $170k in cash earning yield while your Roth fights itself. VOO and VFIAX are identical tax-twins, and holding a Target Date fund with individual ETFs defeats the entire purpose of paying for its auto-balancing strategy. VIGAX is just the expensive subset of the S&P 500 you already own. I'd consolidate the Roth overlap into VOO or VTI, keep the cash liquid if the house purchase is imminent, and stop complicating a simple game.

Then_Past_4646

I've worked in Tech for 25 years, don't invest in tech unless it's in VTI, seen the bubbles burst multiple times.

Dapper_Addition_3837

Yes, you should probably fire her and go VT & chill (or VTI + VXUS).Quick math on your situation: * $450k at 1% = $4,500/yr you’re paying * Over 25 years at 7% real return, that 1% drags your end balance by \~$600k–$700k (compounding is brutal) * Your returns = S&P 500 minus 1%, not plus anything * She won’t even help with a 529 → you’re literally paying for nothing you can’t do yourself now You’re young, disciplined, already educated yourself, and have 25+ years. That’s the exact profile that almost never needs a 1% AUM advisor. The only real value left would be behavioral coaching in a big crash, but: 1. You sound level-headed 2. Even if you panic once, one bad move still costs way less than $600k in fees Do this instead: * Move everything to a low-cost brokerage (Vanguard, Fidelity, Schwab) * 90-100% VT (or VTI + VXUS) + tiny cash bucket if you want * Rebalance once a year or let it drift * Set up your own 529s, HSAs, etc. — you already proved you can Keep \~3-6 months expenses in cash/high-yield, then let the rest ride. You’ll sleep fine and be hundreds of thousands richer in retirement.If you ever get to $2M+ and life gets complicated (multiple properties, big tax issues, estate planning, etc.), you can always pay a fee-only CFP hourly or a flat fee ($2k–$5k) for a real plan then.Right now you’re just paying $4,500 a year for autopilot you can set yourself in an afternoon. Pull the plug.

teckel

Invest in VOO, VTI or VT at first. no reason to over think it. Once you have $20k or so, then maybe you could consider other options, or not, you can just hold those and nothing else.

CEO-of-SOXL

First things first you should be in FXAIX instead of VTI. Expense ratio is lower.

Particular_Sport5818

Stick with VTI. At 27, you have time and don't need to chase gains.

tugrulthelol

This is probably not the place to ask that question, but as a legit answer its fine if you stick with VTI

catastronot

Should I sell all my VTI in my Roth and buy VGT instead? Current value is 27.3k. I have 155k in taxable and 23.5k in 401k. 27yo

MattieShoes

Forget about "safest". That isn't to say you should ignore risk, but anything worth long term investment will carry some risk. It's S&P (Standard and Poor's), not smp. You can do whatever you like -- it just alters the risk/reward scenario. S&P 500 has gotten good returns and *probably* will in the future. You could broaden exposure with something like VTI which invests in several thousand US stocks instead of about 500, but the returns have been near identical. You could have international exposure with something like VT, but it has been underperforming the S&P 500 since 2008 because US stock returns have been so good. But that could certainly change at any time.

Low-Jackfruit3321

VTI

NotEasyBeingGreener

An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies (about 10% by weight) https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO

6541191

For a truly "set and forget" ETF investment, I'd recommend using a major brokerage like Vanguard, Fidelity, or Charles Schwab. They're established, well-regulated, and have survived multiple market cycles. For your 20-year timeframe, consider a low-cost total market ETF (like VTI or VOO). The fees matter tremendously over decades - even 0.1% difference compounds significantly. Most brokers now offer automatic investments, so you can regularly contribute without lifting a finger. Also, consider using tax-advantaged accounts (IRA/401k) before taxable accounts for long-term holds. Remember to rebalance occasionally (annually is fine) even for a hands-off approach.

Sarpatox

If you don’t want to think about it, look at some etf funds like VOO (S&P 500 companies) or VTI (which is the total market index). You can also find ETFs for different industries like tech, energy, airlines, etc.

Able_Head_7372

Since you're already heavily invested in VTI, putting the additional $5k into SCHG (Schwab U.S. Large-Cap Growth ETF) could help diversify your portfolio a bit more within the U.S. stock market. SCHG focuses on growth stocks, particularly in large-cap companies, so it might provide more growth potential compared to VTI, which is broader and includes more value stocks. However, the risk with SCHG is that it might be more volatile, given its emphasis on growth, especially in the tech sector. If you're comfortable with that potential for higher returns but also higher fluctuations, it could be a good complement to VTI. If you prefer to stay with the simpler, more diversified approach VTI offers, sticking with that for the extra funds might feel more comfortable.

dead_voxel

I personally do 80/20 DFUS/DFAX as an alternative to VTI/VXUS. I believe DFUS is superior to VTI because it uses academically-informed flexible implementations like filtering out junky small caps and delaying investing in IPOs (there's a YT video by Ben Felix on this). These strategies should allow it to beat VTI in the long run (and it has so far since its 2021 inception). Similarly, I expect DFAX to beat VXUS in the long run. Outside the US, factor tilts have had superior performance to "vanilla" market cap weighting. This combined with the above-mentioned academically-informed flexible implementation should allow it to beat VXUS long term. After months of researching this topic, I came to the conclusion that this combo works best for me because of its simplicity and the fact that I don't have to worry about winning sectors/countries. Plus, there's a satisfaction in owning a part of 12,000+ companies worldwide.

HaruoPanda

If your buddy's looking at a 20-25 year horizon, I'd suggest avoiding individual stock picks and leveraged ETFs for the bulk of the IRA. Those leveraged ETFs are designed for short-term trading, not long-term holds (decay can kill returns). For long-term success, consider a core allocation to a low-cost total market ETF like VTI or VOO (70-80%), with perhaps a tech sector tilt via QQQ or VGT (10-15%) if they want some growth exposure. If they're genuinely interested in crypto, a small allocation (1-3%) through something like GBTC might make sense, but emphasize this should be money they're comfortable potentially losing completely. Remember: diversification is what builds sustainable wealth over decades.

Mantissquirrle

I'd stick with VTI for broader market exposure, but it depends on your goals. VTI gives you the entire US market (including small/mid caps), while SCHG focuses on large-cap growth stocks that could be more volatile. Since you're with Schwab, SCHB would be the closer equivalent to VTI (and commission-free), though VTI has a slightly lower expense ratio (0.03% vs 0.03%). The question is whether you want the diversification of the total market or if you're specifically betting on large growth companies outperforming. For a long-term retirement account, VTI's diversification typically makes sense.

Thin_Onion3826

Bro, get out now and put that shit in VTI or VOO or something

MeteorPunch

You can go the VT/VTI/VOO "safe route" and whenever it drops, think about how most everyone is "losing money" today along with you.

I-I-l-l

If you start working in Dec, you can only contribute the amount you make in Dec to your Roth. Don’t put all 4K in or you’re gonna be getting some letters from the IRS. For stock, none. Investing in individual stocks is gambling. Drop your money in VTI or a target retirement fund and forget about it.

maceman10006

VTI and come back in 40 years. You’re welcome.

EightFolding

The decision depends on whether you want to focus on growth (SCHG) or want to hold a fund that tracks the performance of the CRSP US Total Market Index (VTI). Two entirely different tools, different aims. If you want to track the index but add a growth tilt you could split it between them.

KaiserSaladSpinner

100% in VTI is a solid start but I'd probably add some international exposure. SCHF has developed ex-us large cap, but you can just buy VXUS at schwab as well.

Cruian

Despite great recent returns and "growth" in the name, SCHG should not have better expected returns than the market as a whole. In fact, long term has tended to favor the opposite: smaller caps and value. >We are pretty much 100% into VTI in all of our accounts including our Roth IRAs Going global (such as VXUS) can be beneficial to both returns and volatility in the long run. There's plenty of times where market favor is outside the US.

GaylrdFocker

Your choice. Do you want to be more aggressive with Growth or just VTI and chill?

Spare-Connection-719

SCHG has been crushing it lately but VTI gives you that sweet diversification. Can't really go wrong either way honestly, maybe split the difference?

no-snoots-unbooped

I would read on on r/Bogleheads which is a low cost index fund investment strategy. They have a section about [managing a windfall](https://www.bogleheads.org/wiki/Managing_a_windfall). Basic idea is invest in broad index funds like VOO (S&P 500) or VTI (US Stock Market). It’s largely a set it and forget it approach to investing.

SlyJoker97

VTI>VOO only because VOO leaves out the small caps

tonufan

It depends. Some will just stick your money in a mix of VOO and Bonds while eating a lot of your returns in management fees. I saw a guy that had like 30 different ETFs in his portfolio from his advisor and he was under performing the market significantly. Nowadays you can do pretty well with robo advisors from major brokerages like Vanguard or target date funds. With that amount of money I'd check out several different advisors if I had to get one. Personally I'd do a mix of VOO/VTI and QQQM/VONG if your young and have higher risk tolerance.

sirzoop

Both. Grab some VTI VUG and VIG they are my favorites

Icy-Butterscotch-206

That’s unfortunate. You know if you go to the casino they’ll give you free drinks while you waste your money. Can’t say the same sitting at home getting wrecked. Remember you can also put 100% of your funds in broad market indexes. Say 80% VTI and 20% VXUS. You will very likely outperform yourself trading options. Good luck

rickardomilosss

I wish I could. As a Polish citizen I can only invest in some of the US stocks, and for VTI there is only CFD (casino) available on the market

InjuryEmbarrassed532

VTI, as always

Beta_Nerdy

Could you look at the returns over the last 17 years? $10,000 invested in VT in July 2008 is now worth **$40,978** $10,000 invested in VTI in July 2008 is now worth **$71,738** **(VT was created in July 2008)** **Except for this year, VTI beats the return of VT nearly every year.**

PragmaticX

depends. what if you are in an accident/lose your job? Will family help out or are you dependent on yourself. six months of living expenses is probably reasonable, a year ideal. You could also put the ER cash in a brokerage money market. Max out your tax benefit plans and fully fund a Roth. look to open a regular brokerage account. I like Schwab but others are good too. VOO/VTI are safe for the longer term but add SCHG or QQQM to the mix if you want to be a bit more aggressive.

Tiny_Amount7230

for now im putting most of my cash into high growth high beta stocks (mainly nvidia, meta, amzn). I can obviously put drastically more money towards VTI/VOO in the future when my income increases, but this is where im starting. Is that so "unoptimal"?

weech

This is it, full stop. While there’s truth to the adage that concentration builds wealth and diversification preserves it, the reality is that the average retail investor is ill equipped to consistently pick winners. On a long enough horizon, VTI and chill with will beat your individual picks 9/10 times. Stick it in the index and spend the energy optimizing your health and longevity so that you can enjoy the money when it’s time.

x2manypips

Stop trading and buy and hold VTI and QQQ forever.

GaylrdFocker

Just put it in VOO or VTI and forget about it.

PragmaticX

For my younger 20 something’s I suggest 50 SCHG 20 SCHD 20 VTI and 10 SCHY. Similar ETFs work too. I’d ditch the individual holdings until you have much larger core holdings. The Schwab products are low cost and adjust their holdings periodically. The key is to keep investing and let compounding work. Select dividend invest for all and rebalance as you add dollars to your account. Never panic as sooner or later there will be 20-30% correction. Ride it out and keep buying. Reevaluate every 5-10 years.

AlgoTradingQuant

You’re definitely gonna get some tickers/companies that are struggling…. Are they undervalued? Perhaps some but good luck deciding which ones. You’d be better off buying VTI or VOO.

ScarletLilith

The 1 percent fee is one of the biggest rip-offs known to man. No, you don't need a financial adviser. It sounds like she explained some things to you, maybe what an ETF was. You don't need her anymore. Put your money in ETFs such as Vanguard--VTI, VTV etc. Maybe buy a couple of blue chip individual stocks. Put some money in CDs with varying dates of maturity. Right now just keeping money in a money market fund gets you a good rate of return too. If you are young, your best investment may be a house.

PragmaticX

not to belittle your $450k, but the odds finding an uber competent advisor is remote. Statistically most do not beat the S&P 500 overtime. Most Reddit readers lack the funds to engage in private placements. Simply buying VOO/VTI will beat most. If you’re younger tilt towards growth provided you have the stomach to handle prolonged downturns. Personally I pay for great CPA and check in with my Private Banker and an investment advisor provided by work to make sure we are on target but not for specific stock selections. I suggest “My529” which is Utahs plan. It has been consistently a top rated plan for years and I don’t live in Utah.

Over-Computer-6464

70-80% bonds is lower risk from variations in price but has great risk from losses from inflation over the longer term. I would recommend a more traditional split such as 60/40. 60% broad based index ETF like VTI that tracks the total US stock market. Then split the 40% allocation to fixed income between cash-like holdings such as money market funds or the SGOV 3 month Treasury bill ETF and the other half of the fixed income allocation to a broad bond ETF like BND.

Poundcake2RedVelvet

unfortunately there is no concrete source I can provide, it is moreso due to the ambiguity of the IRS. since they don't explicitly state otherwise it is assumed they are different enough to not trigger a wash sale. different expense ratio, different management, very slightly different weighting, very slightly different dividends. safe bet is to do VTI<->VOO like you said for 100% clarity.

Baratao00

Wth, 3 bot replies for VTI, why 🤣

Aevaris_

For me, BRK is my medium sized downturn hedge. I am planning a 1 year expenses cash + 25% VXUS + 45% VTI + 15% BNDW + 15% BRKB. The premise is that BRKB will buy companies if we see a moderate-to-significant recession as well as market sentiment will flip faster than I can react, driving dollars from tech to 'safe havens' like BRK and SCHD purely on sentiment. Yes BRK will drop too, but the combo of market sentiment and their generally safer assets and their value philosophy make it my medium-recession hedge. 1 year cash + 15% world bonds is my severe recession hedge. No, it wont outlast a 10-30 year recession, but between cutting expenses, willingness to sell some assets at a loss, and likelihood of another 30 year recession, I'm ok with that. This also turns into roughly 60/40 US/international exposure and a 85/15 equity to bond ratio which are reasonable ratios to hedge against various other factors.

SuchSociety5301

VTI's a solid choice! Just remember to keep an eye on the long game, no need to panic!

Silly_Caterpillar700

idk, VTI and chill sounds like a plan! Just keep an eye on those economic trends, though. Can't be too relaxed!!

oNellyyy

Thank you! With $2 million invested in VTI dividends would be about $30k and retirement taxable income would be 60-70 and married filling jointly deduction would keep us low taxes. Would this make any sense then you think? We’d be trying to retire at 40. SEPP would lock us in taking the same amount for 20 years right?

Adventurous_Elk_4039

\>*Do you have any SMALL amount of extremely high risk companies/stocks? Like 1-3% of your portfolio?* I dabbled in the past and had some employer stock as well, but at the moment no, and I have no particularly strong feelings about any individual companies. That said, 1-3% is perfectly reasonable to play around with if you want to experiment. \>*any chance you could give me an almost exact estimate if your portfolio? Like what % you have invested in each fund / index, etc.?* As I said in my post, I am 75/25 on FSKAX/FTIHX. This gives me essentially total world coverage with a home country (US) tilt. If you prefer ETFs, you could do VTI/VXUS to achieve similar. Or if you want to keep things extremely simple, you could just invest in 100% VT which is the full world at market cap rates. This essentially makes you the market. You won't outperform it, but you won't underperform it either.

ChingChingLing

VTI and chill

Imactuallyatoaster

Why? You could just get a single fund like VTI that has everything you just included but at market cap weight.  Depending on where you are holding these you could also introduce a lot of tax drag.  Keep it simple with sp500 (spym), total market (vti), or VT for total world market. You can also add in vxus for international.  For bonds you really don't need any at your age. If you're dead set on it take a look at bnd and fbnd. One is passive and the other is active. Bonds are one of the places where active often means better. 

MacarioTala

That would mean that I trust them to time the market and give up whatever yield the cash pile contributes to their overall yield. I can see that argument of course, but it's not something I'm convinced of. I do think that cash is safer than any of these, but cash has a drag due to inflation. So unless I'm using that cash to consume something cool now, it's better in a bond or hysa if I'm fearful. If I want better than bonds, an index is my choice -- that's basically me saying " I have no edge, VTI/VOO & chill". If I want something riskier with higher potential yield, I'll go with BRK.

InjuryEmbarrassed532

Nvidia is a one trick pony (mostly). Competition is at the doors. I own Nvidia too, but I see VTI as a hedge - then again I am boring.

ConcentrateOk523

Why diversify? Wish I was 100 percent VTI my entire life, would have so much more. Stay the course.

ZipTieAndPray

Oh to be a teen again. VTI and chill ALL day. Never waste a second thought on it and focus on making more income to invest.

adhdt5676

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

NegotiationJumpy4837

Which is actually one of the reasons why etfs are really beneficial, imo. With VTI, I can just hold for 40 years until retirement and keep compounding. With individual stocks, you would want to sell, then pay taxes, then you can't compound that portion anymore. Sm

ConcentrateOk523

Problem is owning international from 2009-present. I bought VXUS back in 2001 and compared to VTI it has barely grown.

Gimme_All_The_Foods

Why are you not investing the 100k? It doesn't matter where it came from. Money is fungible and it's now part of your portfolio. Deploy it into an asset allocation that works for you. I recommend global stock market exposure via broad based index funds so either an ETF like VT that tracks it already, or manually via funds like VTI and VXUS. If you don't want global investing, at least pick an intentional allocation between 30-50%. If you're worried about that much exposure in the markets, which sounds like you are, it's a great idea to have some fixed income too. An 80/20 split might serve you well. A nice rule of thumb is to only put money in equities that you won't touch for at least 5 years, and an amount that if it were to drop 50% in value, you wouldn't panic sell. It's hard to know what your temperament would be if you haven't experienced a noticeable crash before, but do the best you can. Investor know thyself.

thesunriseking

Not a VTI/VXUS/BND and chill guy with all dividends set to reinvest?

nonamenomonet

VTI

ajmedina2

Yes, just invest in VTI and move on with your life

DuckLIT122000

Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT

MCB1317

If OKLO has ever been in your portfolio, stick to SGOV and VTI.

Czech_Thy_Privilege

No worries! Me saying that $VT holds $VTI and $VXUS is a very simple way of looking at it. $VT has holdings in companies that can be found in the holdings of both $VTI and $VXUS. You can go on Vanguard’s website to see which ETFs hold which companies. You’ll want to scroll down to “Weighted Exposures” and “Holding Details” to see what I mean. Here’s the one for $VT. The Markets display for $VT shows 63.10% of the fund’s holdings are investments in companies in the US, which means 36.90% of the fund’s holdings are outside the US. The reason I mention this because Bogleheads (a sub I recommend checking out) generally advises people to put 65% of their investments into $VTI and 35% into $VXUS, as this is roughly the same composition of what makes up $VT. I don’t want to deal with rebalancing, so I just buy $VT lol. And you’re correct about everything else. The only thing I would double check is selling your holdings in $MSFT and whatnot just because of taxes. It’s not a big deal. Just a tedious pain in the ass more than anything lol, but you want to make sure you’re going about it correctly. And I fucking feel you on the buying a house part. You’ll be happy to know that you can withdraw up to $10,000 from your Roth IRA for a first-time home purchase. It’s not much in the grand scheme of things, but it helps! I haven’t done this myself so when the time comes to purchasing a home, you’ll want to work with a financial advisor or someone who can help you navigate that part to make sure you don’t get hit with any withdrawal penalties.

HipOut

VTI is down .46% in 1 month and up 16.53% in 6 months

Czech_Thy_Privilege

Look into setting up a Roth IRA. It’s a tax advantage retirement account where future withdrawals are tax-free as long as you’re older than 59.5 years old and the account has been active for at least 5 years. There are some caveats where there’s an annual limit on how much you can contribute per year and you cannot make contributions to a Roth IRA if your annual income is above a certain amount. You can withdraw contributions without any penalties, but you cannot put those contributions back. It’s generally advised to max it out/contribute to it after you’ve maxed out your employer-matched 401k contributions (if any). Regarding your investments, this is a good start. However, $VOO is an ETF (basically an index fund) that has holdings in $AMZN, $NVDA, $MSFT and other well known companies. I would recommend just holding an ETF since it handles diversification for you. The only thing with selling the shares you already have and moving the proceeds into $VOO or another ETF is that you may have to pay taxes from exiting your position. I also noticed you have $VXUS. The reason I mention this is because I primarily throw money into $VT, which is basically made up of $VXUS and $VTI and is about as diversified as you can get. The reason I like $VT is because of it hits $0, I’ve got bigger problems to worry about than my retirement lol. It’s my personal preference, but it’s totally up to you. Also, don’t fuck with trading options. Or at least not yet. You can make money from them, but they’re incredibly complex and you can (and probably will) lose a ton of money by trading them. It’s best to trade options in a “fun” account that you fund after you fund your 401k, Roth IRA, and savings account. I recommend checking out “Benjamin” and “InTheMoney” on YouTube if you want some good videos on how options work. I’d link them, but I think the automod doesn’t like YouTube links. Bottom line, getting started with investing at 19 is an excellent move! Your future self will thank you for getting started early. I highly recommend reading articles on Investopedia. It’s an excellent resource and has information on all things finance, not just investing.

dyinaintmuchofalivin

You say the return of dividend stocks is worse than non-dividend stocks as if that were some unquestionable truth when it most assuredly is not. Also, what if SPY or VTI have a 30% drawdown and take a decade to recover? It’s happened before and can definitely happen again. If you’re retired in that scenario there’s a very real possibility of outliving your money. As a dividend investor, I won’t have to worry about outliving my money even if I live to be 120.

babar_the_elephant_

I been thinking about dca into VTI over the next few weeks yeah.

WinterForward7336

You must be new to investing or on the wrong sub. VOO and VTI are ETFs and hold a multitude of stocks within them. By they themselves are NOT stocks

corys00

VOO/VTI Also, you post a question in title and then give a dissertation in the post.. you have a question or just have confirmation bias?

Juhyo

Don’t invest purely on vibes or blindly follow the market. Else you’re inevitably going to be one step behind and end up holding the bag while others are cashing out. Do you still believe in the company? If so, hold, or buy the dip. If you don’t then you can cut your losses before it dips further. Whatever the decision, you can only blame your due diligence and luck. If you can’t handle any risk, then go to /r/bogleheads and VTI/VOO and chill. Unlike what folks believe and say, stocks don’t *always* go up. There are pullbacks and a company’s position can change as competitors enter the fray. Nvidia had an unparalleled headstart in the competition and they certainly had a great run — but you’d be foolish to think the other tech giants would not invest to learn how to make their own shovels.

DegenGonnaDegen

I have no positions other than SPY and VTI shares right now. Sold all my calls yesterday for 80% gains. Waiting on the sidelines now

InjuryEmbarrassed532

Loving the VTI action today, even though it’s 7% Nvidia…