VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
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I'm A Newbie In Investing And Wanted Some Suggestions
Those who put money into index ETFs (AVUS, VTI, etc), how often do you check on their contents?
Stay in the market or move my $100k to real estate (NYC)? (x-Post in r/realestateinvesting)
My Fidelity brokerage is invested in FZROX. Should I liquidate all of it?
Would you alter any of the investments in this portfolio (it is a 457b account)?
My portfolio on marketGOATS is 100% ETFs (VTI, VTV, CNYA, TQQQ) - and it's not doing terribly against mostly stock pickers.
Tax cost ratio benefits to investing in individual stocks instead of VTI
Holding FXAIX and FZROX in my taxable brokerage. Any point in adding or switching to VOO/VTI?
In a portfolio mainly made of ETFs, which individual stocks would you hold?
What's the appeal of a stock like CSCO? 23% last 5 years?
Adding sector specific ETFs or keeping only broader market ETFs?
Opinions on CHY - Calamos Convertible & High Income Fund
I put on some VTI with a 5% trailing stop today. Is that stupid?
Selling some stocks for a loss and then DCA into index funds?
Roth IRA, 80% VTI, 10% VUG, 10% VXUS. Is this a good strategy?
My HSA investments got liquidated and moved to Wealthcare
Is it too optimistic to be a millionaire by 33 and FIRE by 40 through this method?
Investing to set it and forget it: Roth IRA, general investing account, or both?
Investing in ETFs... good to have both a Roth IRA and general investing account?
Gamble stocks for .5% position(s). DASH, UBER, CRWD?
JEPI long term hold to increase portfolio yield and drawdown risk.
MSFT GOOGL and AAPL are still all beating the market!
Am I understanding HSA correctly? Postpone withdrawals for many years to grow tax free?
As a self-employed freelancer, what is the best vehicle to deploy my money? Buy index funds though brokerage? Buy through Vanguard? SEP? Something else?
Is my logic sound for someone in their early/mid 20s?
Is being behind on retirement savings a reason to be more or less aggressive?
Want to buy VTI and VOO from Fidelity account however I have association with Fidelity employee that violates code of ethics
Do you ever re-balance your portfolio? Or do you just hold onto the growth stocks you bought in 2021?
There's more to index funds and stocks than VTI and AAPL. Welcome to the world of small cap value stocks.
Started investing in June 2021. Too broke now to invest. Am I doing this right, guys?
Would you consider holding 15% of my Roth in Ford shares to be a bad idea?
Why mid cap ETF like VXF is not discussed a lot?
My portfolio is almost break-even, would it be smart to sell and just reinvest in a couple months?
Convince me to not invest in VTI/VXUS
How messed up is my fund allocations and what would you do to fix it at 23 years old?
I just put my life savings into VTI and VXUS yesterday
VTI qualifies as a registered open-end investment right?
VTSAX versus VTI. A Conundrum of Transferability.
From what amount you should consider a Portfolio Manager?
Why don’t more simply buy and hold if that’s what’s best long term?
What are your returns on DCA over your life-long investing period?
I see everyone talking about DCA weekly or monthly, and others talking about sitting on cash. Is it bad to just blindly throw some money into VTI about 8 times a month?
IRA advice and advice in general on long term investing
What do to with VDE energy ETF? Still up 109% Sell and buy more VTI or keep holding?
QQQM would be an inappropriate diversification correct?
Switching from target date fund to VTI in a Roth
Advice on my Roth IRA portfolio?
What are your thoughts about the current place within long term trend?
Why are international stocks underperforming US stocks in this environment?
Trying to organize a game plan and can use advice.
Question on return on bonds vs stocks and portfolio composition
Mentions
Save on the expense ratio, and use M1 Finance. Invest 80% into VTI and 20% into VXUS for your IRA. For your taxable brokerage account, invest 100% into VTI. Don't look back until your late 40s.
>(50% of overall portfolio) are VTI and VOO. Why both? >I just buy them in small amounts everyday. Why everyday?
Hey y'all! So I'm about to be 21 years old this May and recently joined the workforce. I live in a third world country with my parents, so my expenses are basically zero thanks to low cost of living. So I was planning on putting all my post tax income to something like qqq every month without looking at anything. What do you guys think of this strategy? I realise that a broader index fund would have been a more sensible option like VTI, VOO, SPY, etc. But the only problem is that they have higher dividend yields, and 25% of all dividends will be withheld in my case. QQQ seems to be the only option that has a low dividend yield, and I'd rather not get dividends at all, as other than that 25% tax, tax filing also becomes a lot more complex in my country in case of quarterly dividends.
Also I don't think the problem is you trusted "the system", you may just not be a good fit. Good etfs though range from SCHD, DIV, Schwab mid and small cap, the old tired Vanguard crew will shout VOO and VTI!! Jp Morgan has a great low expense US ETF BBUS.
I know. It's a legit study. I read it earlier this year. Goes over basically managing tax loss harvesting, correct asset management, not making emotional mistakes, estate planning, and some other topics. Honestly a good advisor is worth it. More surprising is Vanguard, a company with a religious cult following on reddit for "VTI!!!!!" and other low expense funds produced it. But I get your drift.
See if you can find a flat fee financial advisor who can review your whole situation for an upfront set cost and not the ongoing 1%. And consider VTI as the best ETF for a broad mix of stocks
That's not even a share of VTI, bump that up to at least 210.
Not in VTI. If I had investments in AVUS I'd probably keep a slightly closer eye on them. I have BRK and I do try to read the reports/shareholder letters; again, not because I think I can evaluate Warren B of all people but I'm just curious what's up.
I use Merrill Edge, also have a Fidelity account. For buy and hold investors, there is virtually no difference. If your account is over 100k, the rewards program with Merrill and BOA is amazing. I do 90% VTI 10% VTEB
401k. VTI. check-in once every 6 months and keep adding 2% income to it. that's it.
My core holdings (50% of overall portfolio) are VTI and VOO. I never care about them. I just buy them in small amounts everyday. My real focus is on my managed half, where I stock pick. I do sometimes use the index funds to ease my entries and exits into individual names though. Say I want to add a new name like META. Rather that just buying it suddenly for 10k I will sell around 8k in the index funds and buy 10k in META. This way I don’t absorb too much market risk in one move.
VTI allocation drifts with the US market cap.
Thanks for that insight. How often does macro allocation of their funds change? For example VTI is pretty heavy (20%) into the tech sector. Has that always been the case? Is there any info to look at historical macro-allocation?
Wondering about the rationale. * Is it because you trust the provider (Vanguard in the case of VTI)? * Any other specific reason?
Ha thanks- I bought at the IPO which is going to be a lesson for me about the risks of euphoria or thinking you're an investment guru. I would have been better off taking that money and putting it into VTI. As a NJ ex-pat with friends who live in Hoboken and work in finance, I understand the feeling of looking around and thinking everyone else has it so much better and are running little real estate empires. I always try to keep in mind that had someone just plugged away at investing in relatively safe options like VTI within my life time (I'm 35) they would be in great shape today. If you're 28 you probably have 30-40 years more of work and investing. It's going to be ok if you stay consistent and boring.
Let the money sit and keep firing at VTI/VXUS. Maybe throw some money at Vanguard's Bond Market fund since you are actually getting some income now. You won't be able to buy anything decent with $100k to flip for a rental in NYC/North Jersey. Buying property outside of a declining post-industrial midwestern city doesn't seem like the best investment you could make. Starting an AirBnb is risky and not a significant improvement over your current investment. With the housing crisis it isn't inconceivable that those properties could start getting regulated in metropolitan areas (I hold ABNB and this is one of my fears for the future). You also have to consider the price of your own time with maintenance and upkeep of a short term rental property. Fire away at your Roth and once that's maxed keep buying through your brokerage funds. It's boring but if your goal is to build wealth it's the way to go.
Nice, I flipped today, took my medicine and went from bear to bull, VTI / VOO are my friends. Congrats and best of luck in December!!
I like your allocation. I myself am a 50/50 VTI/QQQ enjoyer
The real tickers that should be banned are VOO and VTI: change my mind.
What do you mean that VT and VTI were "over-weighting" tech stocks? Aren't these market weighted indexes that literally just buy all the publicly traded stocks in the world/US by market weight? Also do you make all of your stock picking decisions on a single year? Sounds like... you do not really fully understand buy and hold index investing at all. But hey at least you have a strongly held opinion about it, right?!
love the strategy, dislike the followers of it. Generally speaking diversification is protection against ignorance so for the vast majority of investors who neither have the interest in learning about the stock market nor the skill set to analyze the math behind active investing strategies, simply buying everything out there is the most efficient and safe strategy. Combined with monthly or bi-weekly DCA agnostic to price, it should produce the best result for a generic investor. the S&P 500 has beaten a VTI like strategy over the past 100 years, but there is no promise that it will do so again for the next 100 years. Likewise, marketcap weighted funds have beaten equal weighted funds, but again no promise it will do so going forward. And finally, the US market has been growing faster than any other market for the past 50 years, but there is no promise that it will continue to do so. So for someone with literally no experience in the stock market, the best path is to just buy literally everything globally and pick either a marketcap weight or an equal weight. If you buy a marketcap weight right now it will have a pretty significant US bias since most of the US companies are both the largest in the world, and exceptionally international in their exposure. This might be a good thing or it might be a bad thing, we don't know yet, but the benefit of marketcap weighting for this category of investor is that you are letting the rest of the world do your company analysis for you and weighting your portfolio in the same weighting as the globe. Bonds are a different conversation entirely and is dependent on your age, financial status, and risk tolerance. Some investors would be best served with all bonds, some bonds, or no bonds at all. Ask a professional on what works best for you.
As of today, my all-time in options is positive. My all-time in 3x ETFs is deeply negative. My all-time in individual stock picks is probably about 50/50 relative to SPY. All in all I'm way behind where I would have been if I just bought VTI every paycheck my whole career. After Friday, I'm walking away from all of this.
Two of the worst Vanguard ETFs in 2022 were VT and VTI. Owning highly overpriced tech stocks, let alone overweighting them like these funds were doing in 2022 when rates were obviously going up is moronic.
About to breakeven on my 135 shares of VTI Tempted to sell or let it continue a bit more to actually make profit lol 😭
Of course it works. VTI and chill or other choices depending on your preference .
My point is that a lot of younger people put most of their portfolio in DDOG or CVNA or whatever. People don't realize that the old tried and true blue chips, especially in these times, is where you should put more weight, rather than only tech. My portfolio is down 25% from ath and I've heard of people that are down 50% to 80%. Actually for a long term portfolio 95% of people here should just be buying VTI..... myself included of course. Hopefully those people have small portfolios.
15% a year NW gain if done correctly from RPs. Downside is it's not as simple as buying VTI and doing nothing; Starting up is tough but once you've found a good PM it's not really much more than 60 minutes of work a year.
No there aren't. You simply buy a little VTI weekly till you retire. Easy....
I sold out of all picked stocks to move everything into VTI (which had already been about 75% of my portfolio) before the downturn. I bought JPM on the way down at $120/share, and built a large GOOG position at $102. My only other current pick doesn’t fit that model. I added a small PLTR position because I appreciate their participation in the Ukraine and some other efforts, and I believe in the product. I’m in it at $8/share, and have no expectation or care around returns from that one. If anything, I expect it to stay range bound for a few years. There are others I would add at the right prices.
It's timing. You should be dcaing weekly into VTI.
Have you done the math? Unless I'm missing something FZROX appears cheaper to own than VTI even when taking capital gains into account: In 2018, FZROX had $0.01 a share, 2019 the same, 2020 nothing, 2021 $0.03. Not bad, but something to keep an eye on.
Timing the market never works! Long run you're better off buying VTI weekly.
It's always a good time to buy VTI..... Weekly.
You still won't beat VTI long term...
And yet nobody will beat simply dca into VTI lol.....
I’m struggling with this right now. My buddy bought five properties which he is now renting out and he’s trying to convince me to do the same. Had I listened to him 2-3 years ago when he started, it would’ve been an incredibly great investment. His numbers work like this: put down 20%, hire a management company (for 10% or rent), and funnel all proceeds to paying off the mortgages in 10 years. The math works. So, for example, a $200K property would be $40K down, paid off in 10 years, and worth say $250K and generating $2,000/mo rent. So in year 11 my $40K investment is generating around $20K net income per year! I’m struggling to see how my VTI is going to compete with that. His 5 houses will be generating him $100K a year in a few years. I could retire on that.
Real estate has much the ability for much higher/consistent ROI. However, it’s not really scalable like investing is. (See number of billionaire investors vs billionaire real estate people) That being said, if you’re goal is “just” to be a multi-millionaire and you know what you’re doing, real estate is probably the way to go. But if you get into real estate and have no idea what you’re doing, you can be fucked. While investing in stocks is just “buy VTI and hold dammit”
I do a little of both. Invest into VTI (pretty much only index funds) and a couple of rental properties - SMALL ones. Get the best of both worlds.
The fact that you listed ARKK screams that you need to buy VT or VTI.
A bunch of those are not sector ETFs. BND is fixed income, Arkk is actively managed, etc. You would probably benefit from having something like BND in your portfolio, as those assets are not inside VTI like the other ETFs.
The general idea isn't bad but you're not gonna get any love posting silly clickbait titles. Also time and effort are the main points. It takes little effort for me to throw money in VTI and I can move on with my life. Of course I could make more money by doing actual work but that takes a lot of effort. I definitely agree investing in yourself is important but it doesn't need to be one or another. There's benefits to both and explaining that instead of arguing investing is bad, would've been a better video imo. Could even point towards direct resources to learn new skills. Just a difference in opinions. I liked that you used factual info from S&P returns. Keep up the video editing skills. Short form videos are super popular right now.
VTI for majority and if, for whatever reason, you want to overweight one sector or two buy a few sector funds. I own VTI and have overweights to VNQ and VPU.
Is there something similar to VTI that isn't so heavily indexed into Tech?
Very true, honestly you can just pick one and be fine. Other case where you want two. Is you can sell one, one year and the other the next year for tax strategies. Like keep buying VOO, then sell VTI that year for long term capital gains if you keep averaging into them.
Why both VTI and VOO? They have so much overlap.
This ticker always throws me because on WSB it means Taiwan Semi and on bogleheads it means Total Stock Market (i.e. VTI). Yes, I am a wannabe grampa addicted to gambling.
Lol ETFs are not pyramid schemes, you’ve just been chasing meme stocks for too long. Go look at the average return for SPY, VTI, QQQ, VOO, etc. You act like a 10-13% yield per year on average is so inferior, when you’re probably looking at being down 40-60% year to date with whatever stock you’re holding. I get that chasing high returns are tempting, but saying ETFs are a scam is just ignorance…
LOL, in VTI and VOO. Love it, great minds?
Keep it simple. It's much easier to optimize 2-3 variables instead of 7-8. Buy VTI, then pick 1-2 other ETFs that you might want to have overweight exposure to.
VTI is down 18.7% YTD… cash ironically is the best performing asset this year
Depends on your level of effort. I'm a fan of SCHD. Add a broad index like VTI or VOO and your are good.
I'd just stick to VTI. Sector investing requires you to take a guess as to which sector will do well going forward which is only slightly better than picking stocks. VTI is betting on US capitalism which his generally the best bet out there. Will you miss out on some high flying sector action in the near future? Kind of...but that's assuming you make the right bet. At least a broad market fund covers your bases no matter what.
My father in law knows nothing about stocks (cashed out his 401k at the bottom of 2009) and asked me last year where he should put 20k. I told him either VTI or VT. Well he sold for -15% loss the other day and thinks I don't know anything now. Honestly infuriating
Definitely. When my portfolio was under 25k I was using a lot of leverage. I'd swing trade leveraged ETF's, enter into risky call and put options, get into short squeezes, and buy into hype on individual company's without doing much due diligence. I won more than I lost but now that my portfolio is to a nice size my taxable brokerage account is ~70% VTI, ~25% QQQ, and < 5% individual stocks (I only hold 1-2 at a time).
NOBL looks good, been thinking about putting it in my portfolio for a while. Kinda wanna do 50/50 VTI/NOBL but I'd have a bunch of overlap....I just love the idea of NOBL.
Is VTI and chill equally as good as VOO and chill?
VTI/VOO/SCHX Pick one of those SPY isn’t the best bet for a buy and hold index fund tbh….expense ratio the divvy is lower then comparable funds
VTI or VOO. Nothing will outperform the market itself over a 40 year period.
VTI and QQQ and call it a day. In the end we all die and life sucks anyways so who cares....
Why not just.buy VTI and call it a day? You won't beat the market and you'll most likely lose 50% of your money...
Dollar cost average VOO or VTI and that’s it
Wtf ? You know there is an ETF of most mutual funds right ? VTI is an ETF which is the same as lets say VTSAX. And hey VTI has lower MC. I think you are confusing different things.
Not myself, I strictly invest in VTI and SCHD. I am a dividend investor. But I have seen close family members ruined because they did one trade, made money, and thought they were hot shit. They do not think that of themselves now. Even though I may only invest in 2 things, I still like to follow the charts
I appreciate the input! I wish VTI or the mutual fund equivalent was available or something similar but there’s not. That’s why I chose the s&p index and then the foreign fund. I must admit I’m not privy on everything. They do have target date funds so I’m not sure if I need to go that route or not
Thanks to everyone for the comments. I don't want to get in the way of the great discussion. I know the question was multifaceted. I aspire to be more boring in my investments--for peace of mind than anything, something to calm the anxiety. My purpose is not to own the world, but merely to not fall behind. That said, selling those I'm not in love with and buying SCHB/VTI is my likely route (even if the funds/stocks that are down are likely to bounce back more than SCHB/VTI), carrying over excess losses to future years.
If you’re going for diversification, maybe Russell 2000 or VTI/VTSAX would be a better bet. Or some sort of total global market (think VT)?
I've had enough losses in trying to time the market, buy calls, buy puts, lurk on WSB, watch YouTube investing dummies, but speculative stocks to know that I'm simply not sharp nor savvy enough to play this way. So In a sense, though I have 25k+, Im more conservative on "safe" investments and generally focus on things like VOO,VTI,IXUS,VXUS etc. One of the brokerages I use estimated I will have X amount of dollars when I retire at 55 if I continue on my current path which is more than what I need so I simply don't need to do anything to hurt it but rather enforce it. I'm also more akin to diversify into things like property and precious metals.
With that kind of money open an account at a broker that allows buying fractional shares of ETFs. Fidelity does this. As a beginner, picking single stocks is a good way to lose money, except by luck. Even moderately experienced investors usually don't do well buying individual stocks. Buy highly diversified, broad market, low expense ratio index funds like ones that track the S&P500 or total US stock market. VOO and VTI are examples.
Oh true. I just checked and it was separated out on my 1099-B for VTI for example, but SCHD was just all qualified for the dividends. Thanks.
VTI definitely has qualified dividends, but like 4% isn’t qualified. I had like $255 in VTI dividends last year and like $11 was ordinary, the remaining $244 was qualified.
>VTI for example doesn't give qualified dividends. From what I have read, this is due to VTI holding some small percentage of REITs which make the entire dividend not able to be classified as qualified That's not right. Vanguard calculates how much of the distributions that they pay out every year and that information is passed onto you on your 1099-B. Last year, looking back at my forms, VTI was around 95% qualified dividends.
Some not so terrible choices like VTI, GOOG, Disney, MSFT, Apple…but also basically tossed money in the toilet with Redfin, BABA (though I hope I’m wrong about BABA)…a few other insignificant speculative buys. All in all I put about 80k into the market, mostly those first 5
Half into VTI and other half a house
30 Years Old IRA - VIG 12%, VNQ 7%, VOO 42%, VTI 33% Portfolio ETFs MONTHLY INCOME STOCKS
SCHD happens to be qualified dividends. VTI for example doesn't give qualified dividends. From what I have read, this is due to VTI holding some small percentage of REITs which make the entire dividend not able to be classified as qualified. SCHD on the other hand can be classified as qualified. I use a small percentage tilt of SCHD for value in my taxable account. I mainly use it for a value tilt more than thinking of it as wanting dividends.
Which brokerage is good for investing small amounts into index ETFs? I want to create accounts for my nieces and nephews. The plan is put like $100 a year into a total stock market index fund. Just looking for something that has low fees and supports fractional shares. I can't make sense of Vanguard saying "no minimum investment" on VTI but no fractional shares allowed, so asking here. Please no M1 Finance recommendations because I use that for something else.
Gosh, so much hate on individual stocks here. There's a benefit to ETFs but I wouldn't say to avoid individual stocks altogether. First, I would say avoid mutual funds. They typically charge a high fee for a poorer return than you can get with putting that investment into SPY, VOO, VTI, EPS, or another ETF with a low expense ratio. If you have anything in mutual funds now, I would encourage moving them to an ETF if you're able to. As for the three stocks you mentioned, I would say to avoid Tesla. It's trading at a much higher multiple than auto manufacturers typically do, even with the current market dip. That high price doesn't bode well for being a sound strategy, especially when more auto companies are getting into EVs. For a longer term investment, Apple would probably be the best of the three, but Amazon isn't going away anytime soon and is a pretty well-diversified company. Others to consider are Alphabet/Google as they've been diversifying their business model pretty well to emulate Berkshire Hathaway as a conglomerate. Berkshire Hathaway is also a solid long term investment. Although Buffett is up there in age, it's widely considered that the company is set up in a way to carry on much of the style that has contributed to it being a sound investment. You may also want to consider researching companies that supply raw materials and consider market trends and government priorities. You may want to look at the CHIPS Act and how that will impact semiconductors and those supply chains. Similarly, look at the ongoing shift to renewables and the need for metals like lithium, nickel, copper, etc. Also, in the energy sector, Aramco has been making a big push for hydrogen as a cleaner alternative to diesel for freight and goods movement. I'll stop there but encourage you to research the market needs beyond screeners. Current prices typically already factor in known variables. Look for the information that might not be priced in or that you think the market is overlooking.
VTI is not SCHD - SCHD is a dividend-focused ETF. Vanguard's equivalent would be VYM, though they aren't entirely the same. Any time you take dividends in a taxable account, they are treated as ordinary income, vs deferred growth in tax-efficient accounts. If you're okay with paying the extra taxes, it isn't that big of a deal.
I joined cash gang, perhaps I will make prudent financial decisions such as buying VTI when it dips. Maybe some treasuries. Maybe even a CD ladder.
If you wanted to truly do this, you're probably better off letting professionals do it. https://www.google.com/finance/quote/VSEQX:MUTF?window=YTD https://www.google.com/finance/quote/VTI:NYSEARCA?window=YTD Vanguard's strategic equity fund is still down YTD. If you are going to the trouble of doing this you probably don't want to be down at all. Is there still value in doing this short term trading?
VTI and chill 
Do you have a 401k at work? If so that is a good place to start. If not read about IRA/Roth IRA. Open an account at Fidelity, Schwab, Vanguard or ETrade and buy shares of VTI. Read about taxes and investing.