VTI

asiansnowflake

This market is extremely sensitive to any little thing. Barely get a sign of relief when it shifts focus to another negative narrative. Oracle misses earnings and everything turns red because Oracle is tied to retail and other sectors? Makes no sense. This market has ADD. Can’t focus on one positive thing for more than a couple hours. After today’s red screen I’m anticipating the market worrying all over again about the next rate cut. Shit never ends. Let me break even and go back to VTI 🙏🏻

092Casey

Is this the most regarded market ever?  I said it a week ago. If you were sitting in VTI 2 months ago, you'd still be better sitting in cash even after the stupid run up today because SPY is only about 1 point above yesterday's open right now.

WinterForward7336

Don’t say this! The boggle head VTI people will get angry

Etheryelle

unless it's 90% VOO or VIX or VTI or QQQ or SPY and 10% MOT or F or KO, (you get the picture), I 100% agree with you. New investors should not have 100% of everything in one stock. Back to the op on this thread, I do believe that if a new investor is anxious to sell, they should. One can never 'time" the market and my whole point was better to sell and be out a bit more profit than lose it all. I got in on Reddit (yes, because of my karma) and sold it at $72... stupid stupid me BUT, that was the point where I was comfortable and I'm okay with that.

TransientVoltage409

I read somewhere that Trump is really upset with the guy who nominated Powell to the Fed. [Plz ignore me while I quietly ponder my VTI/VOO/VXUS distribution]

phoisgood495

Stop picking stocks, and just buy broad market ETFs (eg VTI/VOO). You can have some money in particular stocks you believe in, but if you are planning for long term growth rather than short term gambles it's the surest path to wealth over a lifetime. You might miss out on some wins, but trying to beat the market is both a gamble and a ton of work.

anonUSAFguy

Is there a vanguard fund that is similar to VTI? And if so, is there a benefit to a mutual fund vs an etf (besides expense ratio)?

gonpachiro92

the thing is: spending time and energy to get the best picks is actually fun for some people (including me), so potential underperformance feels worth it because the fun of it all makes me invest more than a "boring" strategy, with the plus that beating sp500 feels so good. If you have better hobbies than I do, I agree, VTI and touch grass.

Valvador

Just on [this tweet alone...](https://x.com/HolySmokas/status/1998567469699752420?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Etweet) Dude's a typical content maker that makes clickbait claims to maximize engagement. His focuses seem to be stock picking, which is not something 95% or more of people should be doing. > I was sceptical at first to listen to an investment advisor on YouTube, but shit, I actually learned somethings from him that I didn't know. What did you actually learn, because this post reads like subtle astroturphing pretending to be sincere. > I know that trusting an investment advisor is somewhat frowned upon, but what is your thoughts? Am I setting myself up for future failure here? Trusting an investment advisor is not really frowned upon, here, especially fiduciaries. Most people here just have simple positions in VTI/VT/S&P500 and nothing more, in which case losing 1 - 1.5% to a financial advisor would be a waste of money. What is frowned upon is using and sharing entertainment personalities for financial decisions and advise. That doesn't mean you can't learn about new mechanics in our complicated financial systems from them.

Clearance136

OP just buy SPY, VOO or VTI.

Magmanek

Why not VUSA + VTI? That’s what I am doing and my goal is to have higher returns with this, because I’m quite young

hypercosm_dot_net

> VOO/VTI and chill Good advice altogether, but what does this mean?

fivefootlovely

Pretty much the same journey. Stock picking was fun until I realized VTI was quietly outperforming me while I stressed myself out for no reason.

DontPeeInTheWater

You're splitting hairs. You stated that QQQ, about 50% of which is the mag7, is very likely to continue to outperform VTI. Based on what?

Then-Vermicelli6075

Honestly, for a 65 year old planning to stretch a million over four decades, that mix is a little spicy 😂. VTI and VOO together is basically double dipping into the same basket, and throwing 10 percent into GME at retirement age is like saying “I like adrenaline more than stability.” If you’re trying to keep growth while still giving yourself room to breathe, most people your age end up shifting closer to something like a 60/40 or even 50/50 blend once withdrawals start. Not because bonds are sexy, but because sequence of returns will humble anyone depending on their portfolio for income. The REIT slice makes sense though, especially VNQ, as long as you’re ready for the volatility that comes with it. If you want a second opinion that’s actually tailored, I got a ton of value chatting with alann capital when I was reworking my own long term setup. They’re pretty practical and won’t push anything weird. You can just google alann capital . com if you ever want a more custom breakdown. But yeah… maybe keep GME as a fun one percent instead of ten and call it a day.

OutlandishnessOk4315

If you are going to invest in total market ETFs like VT, VTI, VOO, VEA, VXUS then no, you don’t really have to research that.  If you want to invest in individual stocks, then yes, you would want to research that.  And that is complicated. Some segments or industries have higher or lower valuations. Software tends to be higher because it has a lower barrier to business expansion—you just need more copies of a digital asset (not just, but you don’t need to buy a bunch of tractors or factories usually). So then companies are valued relative to others in their industries—based on what the likelihood of earnings growth is among other factors. So, if a comparable business gets bought out by a larger one, it could cause a revaluation for instance, based on the comparable sale.  For the S&P 500, PE ratios near 20 are going to be the norm because these are established and growing businesses (on average)—otherwise they wouldn’t have made it into a list of the 500 largest profitable businesses in the US. Generally these businesses are going to be stable and so their equity risk premium is going to have a lower spread to the risk free rate than smaller, less established companies.  PE ratios are elevated because a lot of investors are betting on earnings growth from this new AI tool. Pricing the market at “normal” price during a time when a transformational tool might serve as a catalyst for rapid growth would intuitively seem to be a mistake. It would seem to be a steal to buy the whole market at 18-20 PE ratios when one of the most powerful tools in human history had just entered the stage—and that’s one of the main things driving prices. 

Cav829

I am assuming based on you mentioning your family that this is either an investment toward a trip, your children's education funds, or retirement. But please feel free to specify as things change if you're investing long or short-term. Understand up front that 93% of investors can't beat a standard S&P or larger market index fund long-term. So if you're new, I do suggest checking out the Bogleheads sub like another person mentioned. A good simple exercise to see how you do managing your own portfolio is to start one on Yahoo Finance and just track how it does 6-12 months while your actual portfolio is the standard 3-fund setup. You'll probably quickly find it's not as easy as it seems to beat it. The great part about index funds is they are pre-diversified and very insulated from market corrections. Individual stocks have no guarantee to come back, but Vanguard account managers will replace lagging stocks with better performing ones over time for you in something like VTI.

djcade32

Yes, I am. I dapple in some stock picking but I am mostly invested in VTI

commensense-engineer

I've been in tech forever, and trust me, tech (like tech stocks) is totally real. Data centers, chips, and all that tech stuff are just gonna keep growing and evolving. It's like the Industrial Revolution, the dot-com boom, and now the AI era – there'll always be new stuff that makes the old feel ancient. That's just how humanity evolves. Stick with a diversified portfolio (VTSAX/VTI) and you'll be golden.

I_like_code

lol. For normal investors the smartest strategies are dollar cost averaging and time in the market. You can even look at historical data and analyze what your gains would have been. It’s also ok to set aside some cash for dips. Obviously if you need the money soon then don’t put it into the market, unless it’s something like SGOV. Otherwise just keep investing and growing your wealth. My anecdotal story is during the April dip I kept buying in all my accounts despite all the doom and gloom. Fast forward to now I’ve made really good returns and honestly I wish I had the money to have invested more. Even though I find the saying “VOO/VTI and chill” annoying, it’s not that bad of a strategy if you’re an average investor and want peace of mind.

Johnnysgotaproblem

Only a fool would take it out, I’m 57 and I’m all in with VTI, VOO, QQQ has all dome well for me and will continue to do well.

letmethink23

I misread with the VTI = FSKAX. I thought I saw it was the same as VDIGX. I think all I can do right now is look into maxing out 401k and then increase contributions to VDIGX and FSKAX

mhoepfin

Barbell of 50% tech and crypto ETFs and 50% VTI is the only way to go.

Available-Pay5929

Problem with VTI is it is ~40% Mag 7…

CascoBayButcher

Same as VTI, within 1.7%

loopernova

VTI = FSKAX essentially. So no need to change if you already have it. VDIGX is a dividend growth fund. The same stocks in this will also be in FSKAX. So unless you specifically want to concentrate more in dividend growth companies, you could transfer money out of this into FSKAX.

CascoBayButcher

I did figure it out. That's why I'm up on VTI.

chewbacca-says-rargh

After the Nvidia split I basically went all in on Google, Nvidia, and VTI. Google and Nvidia were under $100. I've been thinking of selling some but with my luck when I do Google jumps to like $500 or something so I am just not even checking and letting it ride.

kajnbagoat7

Im doing one profile of my portfolio with individual tech stocks and another with VTI(60%)+IDMO(20%)+spmo(10%)+avdv(10%) .This entire thing comes to about 25% of my overall portfolio. My 75% portfolio is in my home country's equity market and fixed deposits( which nets an annual 7% ). What do you think about that?

Mobile-Bar7732

Those holding VTI still going strong.

thestockfairy

An investment in TSLA taught me the value of individual stocks. Hearing about all the worries about Carvana's bsuiness practices as they get aded to the S&P 500 and relaizing crypto "stocks" like MSTR are now in VTI is making me less and less confident in indexes.

CascoBayButcher

Tech is the moneymaker for the industry, now and going forward. I'm responding to a person saying 'VTI bests all my genius picks' when another large ETF is not really a genius pick. You absolutely should have a large chunk of your money in VTI, but let's not pretend that the writing isn't on the wall for where investments are going

TealIndigo

Looking back and saying "that was easy" to pick isn't a convincing argument. Instead call out what you are so sure will beat VTI going forward and we will see if you are right.

Cav829

I am more conservative of an investor than many here, and I'd never say "sell everything." Strategic selling when you think we're at the top? Sure. Dump the risky tech stocks. Dump the stocks that really have stopped making sense. But if you're investing long-term, why touch your index funds? If VTI is never hitting this number again in 20 years, your money is already useless and you might as well all-in gold. You can also, you know, just not buy more in the near-term. This is not investment advice, but there are levels between selling everything and continuing to buy with every last cent.

chinaski73

It’s your money, if you find the risk of holding the tech stocks you have is upsetting you then re-allocating your portfolio as you did was probably the right answer for you. If you’re young with a long-term investment goal then maybe look at buying a total stock market etf like VTI and just hold until you need it way down the road.

corundum9

Eggplant Parmesan is gonna do one hell of a surrender cobra when he zooms out to the 10Y on VTI.

InvestigatorPlus3229

problem with VTI is theres tons of scam stocks out there at crazy valuations, do you really want to own every single one of them

CascoBayButcher

I don't get how people say this. There's a lot of easy ETFs even that outpace VTI. FSELX alone has made far more money than VTI, that didn't take a genius to pick

Nicaddicted

I would go 100% VTI or VOO I don’t know too much about the UK but in the United States the very last thing you start to invest in is a taxable brokerage account. You’ll want to take advantage of pre tax dollars via contributing into a 401k at work, an HSA and a Roth account with post tax. Then you put money into the taxable brokerage in the simplest terms. Some high earners do mega back doors but vast majority of people will just do 401k and Roth and then their taxable account is just single stock gamble plays.

jonroobs

You should start Googling some of the basics, but yes the earlier you start to invest, the better. At 19 you'll be immensely grateful to your past self when you're in your 30s, 40s, 50s. Don't worry about timing, experts get it wrong all the time, and you don't know what you're doing yet. Open a brokerage with any of the big names: Fidelity, Vanguard, Schwab and start investing whatever you can weekly or monthly into a broad index fund. $VOO or $VTI are both good options, and don't sweat which one you choose, both are good. Terms to look up: * ETFs (Exchange Traded Funds) * Taxable vs. Tax Advantaged Brokerage * Capital Gains Taxes: Short vs Long term * IRA / Roth IRA * 401k * boglehead method (safe investing method to use while you continue to learn)

MyWorkComputerReddit

Yeah, I don't hold it to beat VTI. It's for international exposure. I'm not saying it's better, just saying it's working for me.

sliipjack_

The best part about this is it could mean you invested in - 2011 - 2014 - 2018 - 2020 - 2022 OR 2023 Meaning the growth is very very bad 2011 inception, +50% in 14 years 3.5 growth with 2.7% dividend yield. Meanwhile VTI is up 466% with a 1% dividend yield. Idk. Get exposure but international is showing very poor results for SO long now

Educational-Dot318

yea i read the Bogleheads book covering investment theory; if it's good enough for Nobel prize winning economists and respected academics- good enough for me. i just VTI now.

Sweetycherryx

for your situation i’d avoid high risk. put the 5k in a solid HYSA for now. i always compare them on sites like banktruth since rates jump around a lot. later when things calm down you can start investing in VTI or VOO little by little. stability first, growth later.

Cruian

* Consider VTI instead of VOO to capture smaller companies as well * If you really do think tech isn't appropriately valued yet (or it is the only thing not overvalued), use a real tech fund, not QQQ(M) if you want a tech tilt. Though you may also need to consider communications (for companies such as Alphabet/Google and Meta/Facebook) and consumer discretionary (for companies such as Amazon and Tesla).

DontPeeInTheWater

> QQQ which will very likely continue to outperform VTI. What makes you so confident? Past performance does not predict future performance

sbeau87

Yeah, but if you have a quality company like a mag 7, why do you think it would suffer more in the long term as compared to VTI in a recession?

Goober-J

Same. I tried playing stock-picker for years and VTI still outperformed my smart moves without breaking a sweat. Switching to simple index funds was the best thing I’ve done

hallcyon11

I bought mag 7 and have had a ~30% annualized since I started investing in 2024. Now I only buy QQQ which will very likely continue to outperform VTI. People hate the idea that they’re leaving money on the table so they tell themselves it’s impossible to beat the market. First of all, anyone can beat the market if you apply leverage to the S&P 500. And it’s been proven that when you’re young it’s optimal to take on a small amount of leverage. So, if you’re young today, you should have a higher concentration in the top companies. You should also have a small amount of leverage. Now we have ETFs for this so it’s easier. Something like 50% QQUP, 50% QQQ is reasonable.

Much_Farmer_4658

Lmao this guy gets it. OP basically described paying 2% management fees to get worse returns than just buying VTI and forgetting about it for 20 years

WealthVenue123

buying individual stocks without serious knowledge on markets and a serious data feed is a losing proposition IMO. Yet newbies somehow feel they can beat everyone else with their insights :) investing in ETFs is the best way to be at peace in your investor journey I would consider alternatives to VTI and VXUS as these are serious performance diluter. VTI by design is biased toward LargeCap, and Global ETFs are too much impacted by currency impact that they become a basket of currency instead of international equities. See my others posts on VTI and Global ETFs on why they are a poor long term strategy for a portfolio.

Honda_Beat

Same here. After a few years of trying to outsmart the market, I realized VTI quietly beat all my genius picks anyway. Set it, forget it, and touch grass

InjuryEmbarrassed532

Plenty of Reddit degens were advocating this back in April. I own a little of VXUS, but mostly VTI. Don’t believe there will be a return to the “average” over the next 15 years as the EU is simply absent from tech and people don’t want Chinese stocks.

YGbJm6gbFz7hNc

I lost 3k on ford covered calls in the last few years. Had to sell calls every month for 2 years to break even. I also lost 6k selling calls on my VTI this year. I just cut my losses and learned my lesson after that one

Overall-Fold-9720

Question was literally : >if YOU had 50k in cash what doing with it You said "down-payment on a house", later saying that you would benefit of first time buyer benefits. What it means : => you are currently renting (as you would benefit from first time buyer) => you need those 50k for the down-payment (as the question is : if you had 50k, what would you do) => you somehow can't use those "2k VTI shares" (as you need said 50k for your plan) Seems like the problem is that you don't understand what you write, boy

Overall-Fold-9720

LMAOOOO sure thing, you look so intimidating with those 2k shares of VTI and a 50k down-payment on a house

Overall-Fold-9720

Lmao, so you have 2k shares of VTI but still renting ? You seem to be projecting boy That's OK, the crack heads will keep you warm

CoolWerewolf

I own 2k shares of VTI and you don't even have 50k or understand the first-time home buyer benefits. Keep renting you stupid Reddit cuck.

azurekevin

Stocks as a whole, but especially tech and AI, had a bit of a correction in Oct through mid Nov. Since that already happened, it has been and likely will continue to climb upwards again. My read is that Nov 21 was the bottom, if you go long here on QQQM, VOO, or VTI (basically take your pick of index funds), you'll be pleased in the near future.

AIStockExplorer

For a VTI-heavy portfolio, 20-40 percent in bonds is typical. Use Treasuries or total bond ETFs for stability, they smooth out the drops when stocks fall.

thetreece

Sectors don't offer risk premiums. Chasing a sector because it did well last decade is a bad idea. There is no reason to suspect it will be the big winner next decade. I would recommend VTI and VXUS.

accountinreddit

Cannot upvote you enough and this needs to be made a pinned post. We need to stop thinking that something is scam, if I don't understand or know how it works. VOO, VT, VTI, VXUS all contain companies you do not like or consider "scam", but that is part of investing in an index. Like `Successful-Tea-5733` linked, pick an index you like then.

welshwelsh

Index funds. Easy and hard to beat the returns. Don't mess with real estate or individual stocks, not worth the trouble. 40% US stocks + 40% intl stocks + 20% bonds. So VTI + VXUS + BND and you're covered. Set it and forget it. For passive income it's safe to assume a 4% withdrawal rate so about $6,400 per year for what you're investing.

Sea-Cost-6075

Can anyone with stock market knowledge tell me what I need to change in my Portfolio please? I currently have VTI, ENB, PLTR, PATH, ACHR, JOBY, ITA, APLD and SMCI because was way below Intrinsic value!

__redruM

> Like, there's been tons and tons of hype on the web about the sp500 for the past year or two or three When I started looking into investing back in 2012, the recommendation was buy S&P 500 index funds. Best advice I could have gotten. Getting you to buy gamestop, or individual tech stocks or stock options or random crypto projects is how they fleece you. VT, VOO, VTI is how you build wealth for retirement, but it’s your future, do what you want.

JeffB1517

> it sounds like a nightmare when you just want to buy something basic like VTI or whatever. VTI in particular wouldn't be a problem but yes. It is very annoying, very inconsistent, and no clear explanation to anyone. It was the reason I moved the bulk of my assets to Interactive. Though I kept an over $100k there for the credit card benefits.

jauch888888

For a lifetime horizon, broad index funds almost always outperform savings accounts, metals, and most stock pickers. If you want to keep it simple: • 80–90% in a broad ETF (VOO/VTI) • 10–20% in a tech tilt if you enjoy it (AAPL, MSFT, NVDA). Long-term performance mostly comes from staying invested, not guessing sectors.

badmothfuck

Fwiw I’ve actually owned XOVR since the spring, so I went pretty deep on it after seeing the same concerns people are bringing up here. Totally agree that early pre IPO stuff is risky and illiquid. The thing that made XOVR interesting to me is that it isn’t a “mostly private” product it’s basically a normal growth ETF with a smaller sleeve in late stage privates like SpaceX layered on top. So most of what you own is public names and then there’s a capped chunk in stuff you normally can’t touch.  On the “why not just buy SpaceX directly?” point: in practice that usually means accreditation, high minimums, weird lockups and fees on secondary platforms. XOVR has been the most cost-efficient option I’ve found for getting SpaceX exposure without any of that no accreditation, no minimum check size, just buy it in a regular brokerage account like any other ETF. Obviously it’s not the same as owning SpaceX stock outright, but if you’re a normal retail person that’s about as clean a route as you’re going to get. I treat it as a small “innovation / private twist” slice next to my boring index funds, not as core diversification. If you go in expecting VTI-level safety you’ll be disappointed, but if you go in thinking “mostly public growth and a bit of SpaceX and other late stage stuff, with daily liquidity,” it makes a lot more sense. Not saying anyone has to buy it, just sharing how I’ve framed it for myself as someone who’s actually been holding it for a few months

Due_Map6800

The hybrid approach makes a lot of sense honestly. I've heard about those ETF restrictions at Merrill and it sounds like a nightmare when you just want to buy something basic like VTI or whatever. Moving just the minimum for preferred rewards while keeping your main stuff at Fidelity seems like the best of both worlds without dealing with their weird gatekeeping

Adept-Comfort3465

Solid question, and honestly the answer gets pretty obvious when you look at long-term returns. stocks/index funds beat gold and savings accounts by a mile over 20+ years. Savings accounts give you a few percent, gold mostly just holds value, but stocks average around 10% a year, that compounds fast. The simple move? make index funds (VOO, VTI, etc.) your core, add some bonds if you want stability, and maybe a small bit of gold if it helps you sleep better. No need to overcomplicate it. And real talk, consistent investing in boring index funds beats almost everyone trying to pick the “next Nvidia.” consistency is the actual cheat code.

ConcentrateOk523

Your grandfather did great! I have an 80/20 portfolio and underperformed him. Wish I stayed 100 percent stocks with VTI and VXUS. Risk adjusted return means nothing. Overall return is better.

Target2019-20

25% towards a 529 plan for yourself. Get a degree. Plan has appropriate asset allocation for the target years. 50% towards retirement pin money for you. VTI ETF. 25% towards future travel for use to home country. Money market account.

Rinor8181

So what are you saying? Should I invest in VGT long term or take something else/more solid like VTI?

maicii

Or VTI

Banned3rdTimesaCharm

And you're forgetting the part where stocks go back up after it tanks, and not being solely invested in NVDA. My VTI isn't going to disappear no matter how much the market tanks and in 10 years I guarantee it'll be worth a lot more than it is now.

chindef

The reason basic funds like VOO and VTI do well over a duration of time is that they are well diversified and slant toward larger companies. Some things will beat them for a year or two here and there, but now way of knowing what.  Once you get into anything more specific - like mid caps or industrials or tech or whatever - you are no longer buying something diversified. You are now trying to time certain parts of the market.  It’s anybody’s guess. AVUV has not had a good couple years, but very well could next year. Who knows.  Golf has had a big run lately, but will it continue? Who knows.  Keeping with VTI is a middle of the road approach that over a span of time, is unlikely to be beat. And things that do beat it will be unpredictable and random.  Only way I’d invest in something more specific is if I worked in a certain industry and therefore had good knowledge of how things were looking. 

TheInkDon1

Good question: I'm in between. Let me explain. Over the past 20 years I've sworn off stocks for ETFs so many times I can't count. And always for the same reason: *single-issue risk.* What it that? Musk tweets something stupid, Tesla drops 10%. Oracle doesn't meet expected earnings, it drops 15%. Enron, "the smartest guys in the room", weren't: bankruptcy. **So since March I've only done ETFs.** If you ever catch me trading a single stock, I want you to shoot me. Please. And sure some ETFs have big drops, but they're ones I don't touch: crypto and cannabis. Other than that, ETFs just don't move that quickly. And why? Because they're baskets of stocks, right? (For the most part.) So if an ETF holds 100 stocks, and one goes to zero, how much should the ETF drop? Just 1%. (Aside from sector-sympathy that might drag some of the others down too.) Why don't I use SPY and QQQ and the like? 1 - because I'm not an indexer by nature, because: 2 - I like to find things *that are going up*, and trade those. But don't get me wrong, if SPY or QQQ were going up fast enough to screen-in to how I screen, then I'd trade them. I recently traded IWM, the Russell 2000, because of that. Now maybe let me expand your mind a bit: *Do you know how many ETFs there are in the US?* **4,300!** Four **THOUSAND** and three hundred. But you only hear about a dozen of them, don't you? VT, VTI, SCHD, VOO, IVV, VXUS, maybe ITOT, like that. *Did you know that* [momentum in equity prices persists](https://www.sciencedirect.com/science/article/abs/pii/S0927538X18303998?via%3Dihub#preview-section-references)*?* It does. For 1, 2, 3, even 6 months or more. Now, what if we put those 2 things together and looked for **ETFs with momentum**? And then instead of *buying* them, buy **LEAPS Calls** on them. Deep ITM LEAPS Calls act as *share substitutes* and give us **leverage**. Let me know if you're interested in hearing more.

Macbethad01

Sell 60-70% and put 65% in VTI/VOO 10% in whatever emerging market find you see fit. ( Hedge money ) 25% in VSUX is probably what I would do VTI VOO are heavy with the top tech VSUX will underperform it but gives you broader exposure to stability in a downturn and emerging markets tend to do pretty well in slower economic growth times.

diatho

I’d go 50-50 VT & VTI

SeahawksWin43-8

Would it be smart to do half VTI and half VOO or all in either?

pain474

The same as someone who has 3k of cash. VTI and chill

thejumpingsheep2

If you are trading and playing with short term swings, you need to understand that the market doesnt follow reason. If you are investing long term, then eventually fundamentals will win and as long as you pick and project well. Most people cant do either well... which is why they use ETFs like VOO or VTI. Short term, pricing is unpredictable. Long term pricing veers towards fundamentals and is more predictable.

baseballer213

Splitting it into VTI and VXUS allows him to claim the foreign tax credit. VT generally does not. This also avoids potential wash sale headaches since he already holds VT in his Roth. Rent free is the real cheat code here though.

FearlessButterfly3

Roth IRA: FXAIX, SCHG, VXUS, GLDM Brokerage: Mix of individual stocks including Google and NVDA, Coca Cola but will eventually just DCA into VTI, VXUS and QQQM after maxing out my IRA

Richifyai

VT or VTI+VXUS in a taxable brokerage. Simple, tax-efficient, globally diversified. He's already maxing tax-advantaged, so this is the standard play. Congrats to your kid for crushing it early.

-ayli-

From a portfolio composition point of view, there's nothing wrong with holding the same assets in IRA and taxable brokerage. From a tax management point of view, trades in your IRA and brokerage accounts could generate wash sales with each other. This will not be flagged by your brokerage on tax forms, but you are still responsible for figuring out and reporting the wash sale on your taxes. This is most easily avoided by not holding the same assets in both IRA and taxable brokerage. Technically, even VTI and VTSAX are substantially similar for wash sale purposes, so ideally you would replace VTI with a different ETF tracking a similar index.

Andeo23

I would read “The Little Book on Common Sense Investing” by John Bogle. It’s an easy read. Then change it over to 90% index funds, like VTI and VXUS, and maybe keep 10% in your company stock.

Medical_Watch_6283

Most people are probably over weight on it because of the indexes being held such as VOO, VT, VTI, etc. Depends on your time horizon I guess. Right now it’s a secular growth trend and still in the early phases IMO. These companies have strong fundamentals and are sitting on loads of cash. No matter what stocks you are buying it’s always buy, hold, and monitor. I’m not worried. I have time, and I’m diversified holding ETFs US and Ex-US, non tech industries, and cash. Wealth is made in bear markets. Keep buying and stay the course.

MindfulK9Coach

You're not in enough subs or looking at the wrong posts. Get away from the pumpers in WSB and those penny stock subs. Stay away from Bogleheads because they won't point you to anything but VOO or VTI. r/stocks, r/valueinvesting, r/ETFs, and r/LETFs are decent spots, and you will find a treasure trove of info in them if you avoid any post mentioning Nvidia and the rest of the Mag 7, which isn't hard to do. Or just open ChatGPT or Gemini and ask what the more talked about stocks are outside of the MAG 7 on Reddit, and to provide source links, and let it run its magic. You can do this. 👊🏾

RedParrot94

I feel you are an emotional trader and if you invest and the market has a dip you will panic and sell everything and take a loss. You may want to put your money into a HYSA for the time being and do paper trading. It's basically real trading but you use play money. That way you can see what to expect. In your case, I would only invest in VTI (or VOO) because it seems your risk profile is extremely low.

thisisanaccountfor36

I transitioned to VONE over VTI or VOO in part because of the premium S&P pays when adding/dropping new names. VTI has too many little zombie companies that will never produce meaningful returns. VOO suffers from the attention on S&P. I do think you're overthinking this a bit though. These companies are going to be tiny percentages of the total index.

RetiredEarly2018

If you are buying something that is appreciating, whether it is VT, VTI, VOO, QQQ, VXUS, Gold or whatever, it will be more expensive today than it was x days/months/years ago and there will almost always be someone who feels it is too expensive. I do not know anyone who has a perfect crystal ball and all the options that have a high inflation-adjusted return carry risk. So just find an investment whose risk profile you are comfortable with (lazyportfolioetf.com has data in various currencies showing both returns and drawdowns over 1, 5, 10 and 30 years) and get started.

BasicWait8

VTI with reinvested dividends and forget about it

ghart999

15% in 6 months is solid money to me. I'm all in VTI - I have some money to try with options.

ghart999

Thanks for the help. I guess you just knew everything about trading by osmosis. I have my whole IRA in VTI. Looking for something new with a small % of my portfolio.

dooknuckduster

Perhaps consider both US and ex-US / International stocks like a single etf including VT, or VTI (US) and VXUS (International). You get market returns, no more, no less, over decades of investing for your son. [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)

wolfblitzen84

I have to be honest I entered a position purely based on a gamble. These are calls that expire in june. I invest weekly in VTI and every so often i'll take a small position in something. The only other individual stock I purchased this year was RGTI at around $13 and cashed out at $41. It's also been a bull market so I probably just lucked out on that.

DoubleFan15

Do you remember what the big individual stocks were 15 years ago? Just curious as to if you would have stuck with VTI if you went back in time. Its easy to say things like NVDA could have made you rich, but also im sure some stocks seemed good but turned out being bad investments. I just started investing this year, 100% VT so far.

ConcentrateOk523

Buy VTI or VT

earlyiteration

I’ll just continue investing in the boring and reliable ETFs like VTI and SCHG….