VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
I’m a regard and don’t know anything. However, I feel like we’re going to see a few weekly dips like this with a few green days in between. There is a lot being priced in right now that will probably send us down 5% to 10% during the first half of the year. So anyway with that said, I like ETFs with all this craziness. VXUS VTI VTWO. DCA down with every few percentage points. Again I just work at Wendy’s and don’t know anything.
I don't really follow individual stocks outside of VTI bro
Stop trying to do whatever is it you’re trying to do and just VTI and chill for 35 years. You’re welcome.
Vanguard Institutional Total Stock Market Index is close enough to VOO that you shouldn't worry about the difference. It and VTI both "seek to track the performance of the CRSP US Total Market Index."
Gold or VTI if I have 50% of my portfolio out and I don't need this money until I retire? The other 50% is VTI and I'm in my 30s.
I’m starting to believe that guy who said VTI was going to bag hold for a bunch of scam IPOs. Pension funds don’t want anything to do with that or anything with future political liability. Potentially criminal activity has been done by some of these firms, and it’s clear the lawsuits will be epic.
>...ESG funds have a track record of poor performance... You got your facts wrong, buddy. Over the lifespan of the funds, ESGV has outperformed VTI, VSGX has outperformed VXUS, and VCEB has outperformed BND. Those are your examples, that you picked. So knock it off with this "poor performance" B.S.
VOO and IVV are both the S&P 500, so if you only want the S&P 500 (large-caps), then VOO is already diversified. If you also want mid-caps or small-caps, you can use VTI (which is total-US-market), or buy mid-caps and small-caps separately (e.g., SPMD and IJR, which are the S&P 400 Mid-Caps Index and S&P 600 Small-Caps Index). These should be much smaller allocations than your S&P 500 allocation. Also consider some international, either separately (VXUS), or you can just get total-world-market (VT).
I had to sell all my positions to free up money to close on a house. Sold 1600 shares of VTI at $342 and feeling good about it now. I thank you for your sacrifice.
VTI is down for the year, VOO even more. What 2% are you talking about?
I'm a loser. when I usually get over 100%+ I evaluate. A good bit of the AI ones I got into a few years ago, I sold over the past few months. Profit gets put into VTI 69%and VXUS 31% split long term.
If you don't even have the experience to evaluate an ETF, then on what basis will you evaluate individual stocks? Based on what experience or knowledge? On one hand, you should stick with a broad index fund like the S&P 500 (VOO) or total market (VTI). On the other hand, you won't really understand the reason until you eventually get burned by picking stocks. So just skip QQQ and jump straight into picking stocks and get it out of your system now so you can understand why all the experienced investors tell you the same thing.
$3k isn't too small. You can start with 70%-80% in an ETF (QQQ or broader like VOOO/VTI) and the rest in 1-2 stocks you understand and can hold long term. Stock picking can grow as your portfolio grows, just focus on building a solid base first.
I’m 19 and I’m starting to invest. What do you think of my portfolio?- VTI 40% VXUS 20% NLR 10% SOXQ 10% WMT 7% PM 7% RYCEY 6%
The two I mentioned was to rotate more into growth SCHD to VTI and EPD(mainly to dump a MLP I didn’t need the income from) into VT. My portfolio is all boring ETF’s, VTI/VT/VXUS/SCHD, 6% BND, 6% IAU and maybe 1 or 2% stocks. My trading days are over.
The best strategy for retail investors is to DCA into index funds and never sell unless you absolutely need to. I have tried to time the market several times and also tried to swing trade on individual stocks. Did get lucky a couple of times but the only consistent winning strategy that has worked for me in the long run is to keep buying VOO/QQQ/VTI very week or every other week and never sell.
I thought of buying with the dips this week. It's tough choosing between Microsoft, Nvidia, VTI, or VOO.
I've recently rent the route of VTI and VOO. Occasionally, I'll buy some large cap stocks like MSFT, NVDA, or TSLA. I have taken huge dips investing in small cap stocks that never came back because they trade on lower volume. So, I never buy small cap stocks anymore, because if they drop down it's harder to come back up than a large cap stock and a lot of them peter out.
In a taxable account it's better to use ETFs than mutual funds because they're more tax efficient and if you should ever decide to switch brokwrages you can just take ETFs with you. So yeah just VT or a combo of VTI/VXUS.
Website doesn't matter. You open a brokerage account on Robinhood or Fidelity etc. and invest your money into Index funds like VOO or VTI
VTI is where it was at a few weeks ago. Stop looking at meme stocks
I go with a mix of VOO, VTI, and VUG with a small fraction of BRK
Good thing I just go with VTI
Oh wow, I better sell all my VTI and buy this shitcoin.
Are you trying to buy a house or not? If yes keep it in cash (HYSA) or tbills like SGOV on a broker. If no invest in VOO, VT, VTI etc
I got out with modest gains a year ago after their CEO was like AI for everything!!!! Had held for five years or so. I didn't feel like he had a vision for AI, I was wrong... it has finally beaten VTI on the five-year, head-to-head. Meh, I don't lose any sleep over the move.
That’s not how total market funds like the VTI work. The lowest one will have a minuscule market cap and even then, it wouldn’t be replaced. You might be mistaken with Fixed Count Index, which is unrelated to market cap and has an upper bound for stocks.
Eh. I'd keep it just for the diversification. I've been rolling off from high VTI holdings into VXUS by just buying VXUS and keeping my VTI and it seems to be working pretty well for my spending account. Granted, I could probably re-balance my 401K so the split is higher towards international (right now it's 80/20 US vs international, and I'd really like it to be closer to 60/40 if not 50/50 for the next 3 years at least)
I just stupidly spent 5 min reading about ETFs and how Space X is going to tank VTI (somewhere between -2% and bankrupt). Who are you people.
I use AVNM as a proxy for VXUS. It seems to outperform, don’t ask me why. Also have IDMO, DFIV and VEA for ex-US exposure. If you want a large cap ETF more like VOO rather than VTI, but outside U.S., check out AVIV. That’s one of the funds that goes into the broader basket for AVNM.
Holding SPY/QQQ/VTI is the same as holding cash here.
Honestly hadn’t considered this. Absolutely gonna consider reshuffling some of my VTI in the next year
Thanks for this retarded DD. I dont think you realize how big VTI is ya retard
This. OP is just a retard. I can't believe first commenter even gave them such a serious answer. Like you know what are the largest constituents of VT? https://finance.yahoo.com/quote/VTI/holdings/ Top 10 accounts for about 34.5% of total fund. SpaceX IF it got to 1.5T would be at the bottom of the top 10 if not right outside of it. >"You are literally becoming the exit liquidity for the VCs and insiders who got in early. They cash out at the top, and you are left holding the bag for a mature asset that is priced for perfection." Also OP is also wrong in thinking IPO = "the top" as the majority of companies continue to grow post-IPO. Plus OP talks like VOO/VT/VTI doesn't already have exposure to SpaceX """"They cash out at the top, and you are left holding the bag"""" Alphabet GOOGL/GOOG BY ITSELF owns around 7-9% of SpaceX shares. Bank of America bought in on a 2018 funding round. So even in the improbable case of immediate listing and addition into the index. AND then the improbable case of immediate 100% exiting by existing shareholders. AND THEN the improbable case of immediate of SpaceX going to $0. Even in that specific case, would probably lose even less than 2% cause the 100% exit by existing shareholders would mean Alphabet, B of A, and other companies dumped their shares.
The Low Float is the trap. Say SpaceX IPos at 1.2 trillion. Because initial float is tiny (say 5%), the supply is artificially choked. The price increases due to scarcity and FOMO. VTI is forced to buy that manipulated peak on Day 5, front ran by savvy institutional trader. When lock-ups gradually expire and that '1.2 Trillion' of insider equity hits the market, the float expands. VTI is then forced to buy more to match the new weight, effectively continually providing the exit liquidity for the insider dump. We could end up with multiple TSLA-like mega caps in the index, held up by passive index funds. Because they will be force to buy regardless of valuation.
You're missing a key piece of info here. VTI doesn't have to wait until Friday, they can just buy on day 0 and ride it up.
Actually, because traders know that there is a huge guaranteed buyer on Day 5, they can front run the trade and basically make VTI pay a higher price.
VTI is float adjusted and not all of Spacex will float
Did not know this! Super interesting and figured VTI was just like VOO. Shit
Bold of u to assume people here even buy VTI You know people gunna yolo spaceX options itself
DFUS is the VTI alternate and DFAW is the VT. Again lol I stated in the long form, the difference is negligible and not worth rebalancing a brokerage account or losing sleep over. If space x and open ai do collapse, markets fucked for a bit
Wow... So much wrong with this but OP clearly thinks he's onto something. Even a $1 trillion company would only represent about 2% of the total market index. If that stock dropped by 50%, the index would only pull back by 1%. That is a bad day, but hardly a "tanking" of the entire passive investing strategy. Also, a company doesn't just IPO on Monday and get added to VTI on Tuesday. This waiting period allows some volatility to leave the system. There's no day one exit liquidity.
Fee for shorting VTI will not be significant.
Essentially, the are “actively” managed but not in the bad way of *certain* types of ETFs. They do a variety of small differences in order to not exactly follow the index like tradition index funds. The big example is waiting longer to buy IPOs as most IPOs are naturally overvalued and fall shortly after. Another improvement is excluding a lot of small- cap “black holes” that have historically had major losses, yet are still included in total market indexes and thus index funds. They aren’t major and have technically, slightly, underperformed the traditional index funds, but the logic behind them is strong and why a lot of people follow them. Ben Felix has a couple videos on his YouTube channel explaining the benefits over VT and VTI, but tbh a broad market indexes fund is like 99% of the way to be the best. The strats that Dimensional uses are great, but the market isn’t immune. For example, if space x and OpenAI collapse like OP predicts, the market is fucked regardless of which fund you invest in as Amazon, Microsoft, Google, etc are public companies and have already invested massively in these companies.
this is why i stick to sector ETFs and individual picks instead of going full VTI, those mega IPOs are gonna be massively overvalued by the time retail gets access the forced buying mecanic you mentioned is brutal - index funds literally have to buy at whatever price the market sets on day one, no questions asked. meanwhile all the smart money that got in at reasonable valuations years ago gets to dump their shares on passive investors who think they're being "safe"
First of all, they do not "have to buy on Day 1". It takes times for indexes to adjust. Moreover, indexes like S&P 500 have profitability requirements for any stocks they hold. They must be profitable in the previous quarter and profitable over the sum of the last 4 quarters. Because of this, they can't even enter the index for at least year after IPO. Even VTI's index CRSP US Total Market Index only reconstitutes quarterly, and has rules for who can be included. Beyond that, you could argue that it's all priced in anyways.
VTI virgins vs Chad VEU
LLY is almost $1T market cap and makes up barely over 1% of VTI. VTI will be fine. With that said, OpenAI and SpaceX will both be highly overvalued.
No dude.. CRSP US Total Market also have eligibility rules. Must trade for at least 4 trading days before they are eligible for "Fast-Track" inclusion. Also even if SpaceX IPOed at a massive $500 billion valuation, it would only represent about 1% of a total market fund like VTI. You’re right about being exit liquidity though. The VCs made their money and are selling it to the public and you missed the 100x growth in the private sector.
Tbh, VTI distribution isn’t THAT much different than SPY. Here are the Top 10 holdings + approximate % weights for VTI and SPY, formatted so you can easily copy/paste into Reddit VTI – Vanguard Total Stock Market ETF (top 10 holdings) (~34.5% of fund)  1. NVIDIA Corp (NVDA) — ~6.56% 2. Apple Inc (AAPL) — ~6.12% 3. Microsoft Corp (MSFT) — ~5.47% 4. Amazon.com Inc (AMZN) — ~3.38% 5. Alphabet Inc Class A (GOOGL) — ~2.77% 6. Broadcom Inc (AVGO) — ~2.49% 7. Alphabet Inc Class C (GOOG) — ~2.20% 8. Meta Platforms Inc (META) — ~2.19% 9. Tesla Inc (TSLA) — ~1.94% 10. Berkshire Hathaway Inc Class B (BRK-B) — ~1.49% (Total of above ~37.4% — minor rounding differences across data sources)  ⸻ SPY – SPDR S&P 500 ETF Trust (top 10 holdings) (~39–40% of fund)  1. NVIDIA Corp (NVDA) — ~7.73% 2. Apple Inc (AAPL) — ~6.86% 3. Microsoft Corp (MSFT) — ~6.13% 4. Amazon.com Inc (AMZN) — ~3.83% 5. Alphabet Inc Class A (GOOGL) — ~3.11% 6. Broadcom Inc (AVGO) — ~2.79% 7. Alphabet Inc Class C (GOOG) — ~2.49% 8. Meta Platforms Inc (META) — ~2.45% 9. Tesla Inc (TSLA) — ~2.16% 10. Berkshire Hathaway Inc Class B (BRK-B) — ~1.49%
I like the theory but not sure if the VTI's move the needle enough
Fair argument. IPOs typically goes up in the first few days due to excitment and FOMO, so by day 5, when VTI starts buying, the prices are likely to be even higher.
VTI has a market cap of 278.16B, so unless they do something dumb with their allocations they are too tiny to take any meaningful size of OpenAI or SpaceX at 1T+ valuation.
...VTI is medium to high risk in the investing world, outside r/wallstreetbets degenerates, what are you talking about. 😭 Not only is it all-equity, which makes it aggressive, it's also US-only, lacking diversity regarding international markets. Standard investing advice is diversify more and have a much wider array of assets, especially bonds, and when even a true total market fund drops, let your investment vehicle automatically rebalance to take advantage of the dip. In other words you can argue based on your premise, that passive investing is gonna look beautiful woke active investing is gonna look ugly. 😛
If SpaceX IPOd at 1.5 trillion, was immediately added to VTI, and then immediately went to 0, the index would drop ~2%. Really not that big of a deal. Welcome to the whole point of broad based index funds. They’re built to tank any single company blowing up.
You're thinking of the S&P 500. Total Market funds (VTI) are different. VTI tracks the CRSP US Total Market Index. CRSP has a 'Fast Entry' rule specifically for massive IPOs. If a company is big enough to qualify for the Large Cap basket (which a $1T OpenAI obviously would), CRSP adds it to the index within 5 trading days
You're thinking of the S&P 500. Total Market funds (VTI) are different. VTI tracks the CRSP US Total Market Index. CRSP has a 'Fast Entry' rule specifically for massive IPOs. If a company is big enough to qualify for the Large Cap basket (which a $1T OpenAI obviously would), CRSP adds it to the index within 5 trading days
If the plan is to own a stock that will increase in value while reinvesting the dividends rather than using it as a cash cow during retirement, then it's a terrible hold. It has been annihilated by the market over over any time frame since at least the year 2000. CLX is a wealth-generation prevention machine. Unless it's being held as a payout for cash, owning VTI, VOO, QQQ, even SCHD, all are far superior holdings.
Went through the same thing at your age (I'm 28). Looking back, I'm grateful. I flipped it into a positive by realizing active trading is a loser's game. Open a Roth IRA & commit to maxing it out every year into index funds (VT/VTI). Start now, you'll have millions by retirement in tax-free gains. If you want, set aside \~$5K to see if you can actually become profitable/beat the market long-term (Spoiler: You won't and will lose it all). Good luck! PS - You currently have 7X more money than the average 24yo. Fuck that up at your own discretion.
At such a young age, I would invest in a company that has room to grow... both of those companies are not going to give you the huge returns. It would probably be better just to invest into VOO or VTI if you are going to invest into those.
i dunno how to explain this properly, it's 0.03% of your total amount in the account. so say u have $10000 invested, they charge $3.00 every month. In my Vanguard account, under Fees, you can see those transactions. (i have similar mutual fund, not etfs). Rest assured, picking VOO, VTI, SPYM is THE best way to invest, u don't worry abut the ups & downs of stock market, & you can SLEEP @ night. It took me years to realize this. i hope u find my comments helpful. Good luck
If we end green today I’m never trading this market again and I will go 100% VTI and never look back
There’s 10 other DDs on this sub with a simple search, sorry I didn’t want to add another LLM generated slop post. Who the hell isn’t private on Reddit? Like I said, watchlisted stock overextended to the downside, I entered today. RR and DD, really? 😭 Included a screenshot from thinkorswim research tab, news article covering the short interest. https://preview.redd.it/empdab33ibhg1.jpeg?width=1179&format=pjpg&auto=webp&s=65f5b5205ce3d2ba12424721b0dd04f370e48ce5 They develop skin based alcohol detection software and hardware, basically a faster cleaner breathalyzer using fingerprint and data from the skin. I don’t have a crystal ball, just posting on an oversold stock. Thankfully my savings are in VTI, VXUS, and SGOV.
Well, the majority of my portfolio is in VOO QQQ and VTI
I was picking up stocks..options..I lost, and gained. Underperformed the sp500, overperformed it. Rinse repeat. Lots of stress and time. Lot of capital loss. I'm slowly not touching options at all... or even speculative stocks. Maybe VOO or VTI.. Not worth the stress.
or just buy VOO, VTI, SPYM
At 24 with a long horizon, adding a bit of Google makes sense if you’re comfortable with individual stock risk. It’s still a strong growth and cash-flow company, but don’t overallocate keep your core in broad ETFs like VTI/VXUS and treat Google (or NVDA) as a smaller, high-conviction slice of your portfolio.
But will it beat S&P500 over a 10 year horizon? It may well do that, but I would rather recommend OP to continue buying VTI if confident in tech and VOO if wanting to diversify. No harm having 10% in GOOG but if you can wait for a market correction, that would be ideal. Not saying you need to try and time the market but a correction is bound to happen soon.
Google is expensive at a PE ratio of \~35. Not much growth. Since you are young, I would just keep investing in VTI.
Does anyone gamble VTI?
VTI is up 15% in the last year VXUS (International version of VTI) is up 32% in that time
VTI is up 15% in the last year VXUS (International version of VTI) is up 32% in that time
At your age you should be taking some risks and holding 90% VTI is about as risk averse as it gets. You don’t have to buy Google or nvidia but you can do some research and find some companies that have potential for the future.
If it really has to be a stock, GOOG If you wanted to be smart, VOO or VTI
At 24 I'm not sure I agree. Some diversification is great, but what other international markets are competing with the US right now? The s&p500 is on fire and the rich are getting richer.. gotta keep on that train. I personally invest a small % into international funds with Fidelity, but had I done a lot more I would have missed out on a ton of gains that I got from VTI.
Good job! That is twice what I had at 24 (and I retired at 54 with 4M from salary and below average mutual funds). If I had done VTI/VXUS 90/10 I would have twice as much. I can't advise on Google/Nvidia, but I wish I had kept my main funds in an index and only speculated with 10% (I got crushed in [dot.com](http://dot.com) when I bought individual stocks).
Indeed the top 10 of VTI are (google total is 5% for both classes of stock so really #4) 1. NVIDIA Corp. (NVDA) - 6.56% 2. Apple Inc. (AAPL) - 6.12% 3. Microsoft Corp. (MSFT) - 5.47% 4. [Amazon.com](http://Amazon.com) Inc. (AMZN) - 3.38% 5. Alphabet Inc. Class A (GOOGL) - 2.77% 6. Broadcom Inc. (AVGO) - 2.49% 7. Alphabet Inc. Class C (GOOG) - 2.20% 8. Meta Platforms Inc. (META) - 2.19% 9. Tesla Inc. (TSLA) - 1.94% 10. Eli Lilly & Co. (LLY) - 1.39 But maybe he wants MOR GOOGLE than 5% I think NVIDIA will outpace GOOGL and GOOG for a while
I would start by moving all of your assets into your own account with low-cost brokerage firm like Fidelity, Charles Schwab, or Vanguard. Begin by investing your assets in something simple like an equity index fund, e.g. VOO, VXUS, VTI, QQQM. Then spend time to learn more about equity investing, maintaining discipline, other investment strategies beyond indexing, and how to manage risk/limit losses. There is no guarantee, but I believe you will be well served and do better by DIYing your investments versus paying an advisor a % fee of your entire portfolio every year and in perpetuity.
If you have VTI, you already have Google stock. Do you want to add more?
Take a look at how much Google and Nbidia are part of VTI. Literally the number 1 and number 2 holdings.
I don’t have many individual stocks (mostly VTI/VXUS and chill) but do have a gold miner (up 300%) and copper miner (up 200%) holding for several years now. I took some profits from the gold miner, probably too much too soon, looking for a good point to buy back in with some, but otherwise letting ride as a small % of my overall
I came across this post in **Feb 2026**, and after reading through the \~200 replies, the consensus seems pretty mixed but with some clear patterns: • **Skeptics** argue that if Alpha Picks (or any service) could reliably crush the market, they wouldn’t need to sell subscriptions. Many point out survivorship bias, cherry-picked winners, and that momentum strategies look great in bull markets but can underperform badly in drawdowns. A lot of “just buy VOO/VTI” sentiment here. • **Supporters** report strong recent results (often +50–100% on certain picks), saying the quant/momentum approach works if you follow it with discipline, equal sizing, and patience. Several note the subscription easily paid for itself — especially at the old \~$100 price. • **Middle-ground takes** say it’s useful as an idea generator, not something to blindly follow. People recommend selective buying, position sizing, timing entries, and keeping index funds as the portfolio core. • **Common agreement across both sides**: – Momentum seems to be the main driver – Short-term outperformance ≠ long-term edge – Marketing numbers should be treated cautiously – Asset allocation matters more than any stock-picking service TL;DR: Alpha Picks may work in certain market regimes and for disciplined users, but it’s not a magic system, most people agree it should be used cautiously (if at all) alongside index investing and independent research.
Idk why you’re saying it like that, I own VTI and VXUS in my port and I’m not exactly Warren Buffett lol
Ok yall, I’m officially a pussy. Even split portfolio of VXUS, VTI, SCHD, and SGOV. Made 10% ytd and 60% over the last 12 months. Shit feels toppy as fuck. I’m out of options for now.
Lol..typically FOMO. Just buy VTI next time and take it as a lesson.
Now compare those two to Vanguard. With Vanguard, there are no account fees, no 12b-1 fees, no loads, and you can get VTI for 0.03% ER. If you want a financial advisor, Vanguard's AUM fees are 0.30% or less (as you get higher AUM). Are you paying less than 0.03% total in fees with ML and EJ, and 0.30% or less if using an advisor? I have over $2M with Vanguard and manage the accounts myself, so my fees are 0.03-0.05% total.
My financial advisor suggested VTI or VOO if I had to pick1. I am not a financial advisor, but finally got one.
If it were me, I’d keep it simple. Probably 70% into something like VOO/VTI for broad market exposure, 20% into QQQ or a growth/tech tilt, and keep 10% cash or for a couple high-conviction picks. Main thing is staying invested and not overthinking timing. With a multi-year horizon, consistency > trying to be perfect.
VTI and don’t touch it look at it for 10 years
I put a mil into VTI/VXUS and gold just yesterday. Should I be stoic?
I just switched from 100% VTI to 75% VXUS 25% VTI. Although I’m fully aware that I’ll need to time the market to get ahead
You start with VTI and then add other etfs to increase your specific holdings such as SOXX.
Rn I own VXUS, VTI and SGOV cause shit’s a bit toppy seeming. If that went down by 30% your shit would be down by 80%
Invest in everything, diversify. VT, VTI/ VXUS. Add some momentum or a specific sector you have faith in QQQM FTEC VGT SOXX SOXQ or maybe you want small caps. If you want precious metals and or Bitcoin make it 10-12%