VTI

InvisibleEar

I'm 50/50 VTI/VXUS equivalents 😈

LegitosaurusRex

I literally had $16k in student loans (-16k Net Worth) 10 years ago after college… now I have $2.6 million mostly just sitting in VTI and VXUS. I buy a contract here and there for fun. Income has mostly been around $200k-$375k. Pay my own rent cause I'm not a poor. Drive a 2016 Honda civic coupe and like it. Boom. $2.6 million.

Mouse0022

and its unlikely an index like VOO and VTI won't bounce back up. By the time you get the signal to get back in the market, you already missed the bounce. Just put the money in, DCA, and wait it out. Another way to look at it, if you see a big drop and you're seeing losses in VOO/VTI, then that just means it's a time to buy more. Buy and hold. Do not sell.

Mouse0022

Buy SMH or SOXX. and just hold. If you buy any individual stocks, can't really go wrong with GOOGL, NVDA, and AAPL. Besides that, VTI and VXUS and chill. Know your risk tolerance. Don't go big into anything speculative. Look at it like lottery tickets, put in as much as you can handle if it went to $0. Don't put in more than you can handle losing. One thing to remember on a red day is that you only lose if you sell. Sometimes you just have to hold onto the ride and ride it out. Don't be a perpetual bear.

Alwaysfavoriteasian

I started with "VTI or die" and my brother stock picks. He kept telling me pltr will go parabolic and I thought, yea ok bud. It made me change my mind. Hold what I have in index and stock pick only things I research and companies that have proven their fundamentals over and over. Last year it worked so well! This year I just feel so dumb and I'm way behind even the s and p. It's killer.

fec2245

Most indexes are free-float market cap weighted, SpaceX is going to have a very small free float following the IPO so something like VTI will have about 0.15% of it's portfolio dedicated to SpaceX. If SpaceX value drops by half it will be nothing compared to normal day to day changes in the index. This isn't a siginificant concern, I don't know why Reddit is so worried about it.

mhoepfin

Honestly take at least half and put it in broad market etf like VTI. You will be absolutely crushed for life if you fumble the bag. Ponder an abundance mindset and mean reversion and think about how you could tuck this away and wait for the next great opportunity rather than chasing this blowoff top. Great job and good luck.

pandadogunited

No, I didn’t. Even a fast tracked approval won’t be instant. QQQ will allow companies that have been trading for 15 days. Three weeks plenty of time for insiders to dump. VTI is a bit more problematic at 5 trading days, but even then it won’t be exactly five days because indexes only rebalance at certain times of the year. If the SpaceX IPO perfectly times QQQs rebalancing window, it will give VTI 15 trading days. If SpaceX perfectly times VTIs rebalancing period it won’t have been trading for 15 days and will get skipped until next quarter.

Reditsuxazz69420

I had 80k 3 years ago and now I have 270k. you've been getting smoked just sitting in VTI by anyone remotely invested in AI space or energy

Edmeyers01

I literally had $80k in student loans (-80k Net Worth) 10 years ago after college… now I have $500k mostly just sitting on VTI. I buy a contract here and there for fun. Income has mostly been around $70k-$90k. Shack up with the ladies for cheap rent my fellas. Drive an old Honda accord for as long as you can stand it. Boom. $250k

Outrageous_Tip_2133

A lot of people invest passively and never sell. If you buy ETFs of index funds like VOO/VTI/QQQ and never sell, that is the best way for retail investors to play the game in the long run. As an active trader or stock picker, you will always be at a disadvantage against bigger players who have advanced algorithms and often have major insider info before you will.

JohnDLG

I do, I'm in the zero percent tax bracket for dividends so it doesn't hurt me. For my retirement stuff I buy VTI in Roth and VXUS in taxable.

GatorBo69

To already have learned this lesson at such a young age is amazing to have. I don’t know what you lost your money on, but I would assume it was meme stocks or speculative trading.. Put your future income into more stable ETFs like boring ass VOO and VTI if you have to… And realize that you now have $100k of tax harvesting money that you can use for the rest of your life to offset your gains. $1500 a year if you’re single, $3000 if married. You’ll be fine, bud!

TempeGrumble

OMG another fancy term for trying to market-time. Warning: I'm a Boglehead, so I'm going to be one of the folks advising you and your spouse to focus on low-cost, broad market index funds for equities and avoid trying to guess where and when "the market" is going anywhere. In this perspective, your advisor was wrong, and going with something broad-based within your asset allocation is correct. E.g., with Vanguard ETFs, VT (or VTI and VXUS) for equities, and something like BND for bonds.

Deltrus7

Great, you learned, right? So now just start plugging away in shit like VOO and VTI.

Northern_Blitz

This is not the correct way to look at this IMO. OP just pissed away \~ 7 doublings of $100k between now and 62 if they just invested in the SP500 or VTI. That's almost $13MM @ 62 if all they did was stick that $100k in the SP500 and wait until 62. Hopefully this is a lesson to other people who are young who have this much invested. The time for high risk investing should have been over for the OP (if they were telling the truth re: investments). Don't let greed + trying to get rich quick ruin you. Thankfully, it looks like the OP only went down to $0.

Sagelllini

[I wrote this](https://www.reddit.com/r/Bogleheads/comments/1pdlssz/the_latest_morningstar_report_shows_how_to_invest/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button) on how to invest and [this](https://www.reddit.com/r/Bogleheads/comments/1svxbkk/honoring_jonathon_clements_the_stocks_and_cash/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button) on funding a retirement. The idea that "sector rotation" works is disproven by the Morningstar numbers because active strategies consistently lag passive investing. As to the corporate bonds, the coupon rates are pretty much irrelevant because the price is marked to Market so the higher price coupons are priced higher and the lower coupons lower. Regardless, you should sell them all. Look again at the Morningstar numbers. Do you want corporate bonds with returns in the mid-5s or stocks that historically do 10%? Personally, for the inherited IRA I would sell everything that is in there, buy VTI and VXUS in some ratio (mine is 80/20) and figure out the most tax efficient method to withdraw over the next 6 years (and a FA won't know the most tax efficient way). Then, you systematically sell, pay the tax you owe, and buy VTI and VXUS in whatever ratio you choose in a taxable brokerage account with the proceeds after paying the tax.That will most likely get you the best returns over the upcoming years. Fire your manager, sell the crap in tax deferred accounts, buy VTI and VXUS (or VT) and if nothing else you'll save yourself fees and aggravation.

Various_Couple_764

if you look at active verses passive funds it can be hard to tell if the active management makes a difference. Often the fund hold different assets . but if two find hold the same class of assets then often all you have to do is look at the total return for example PBDC has an expenses of 0.75% and BIZD has expense of .4% and both invest in class of companies called BDCs (business Development Companies) BIZD is a passive index fund. PBDC tries to pick the best BDCs. If you look at total return PBDC does have a higher total return. So sometime there is a clear advantage. Note due to SEC rule that these funds have to follow they have to report a fictitious total return of 13%. Neither of these funds have payed that much in expense. you hav got read the prospectus to see th actual number. If however you look at VOO and VTI yesterday the total retune is different but so is its investments.

ATPsynthase12

I’m serious, you don’t need a financial advisor and investing can be very simple if you do a little reading first. The entire philosophy behind Bogleheads is that investing can be as simple as you make it. John Bogle the founder of Vanguard designed the index fund as a low maintenance, low cost option for retail investors to get into the market and make money without having to go “stock picking” or do extensive research on each company. For example, you’ll pay 0.11% per year from your returns on a VTI/VXUS/BND 3 fund portfolio vs. 1-3% of your total portfolio value in an actively managed brokerage. It’s a no brainer.

ATPsynthase12

You don’t need a financial advisor at all. They are just middle men who harvest 1-3% of your portfolio per year and often either lose you money (via outright losses or sub par performance) or go full big brain moves to beat the S&P 500 and again end up losing your money. Or, they intentionally do stupid things to make more money off of you such as putting money on a corporate bond fund. Pull your money out and transfer it to a fidelity brokerage SPAXX account. Once the cash has settled invest it in the following; 50% VTI (vanguard total stock market index), 30% VXUS (vanguard total non US stock market), and 20% in BND. If you are not retiring soon or want more growth, do 70% VTI, 30% VXUS. Although, at your age, there is a strong argument to include bonds or TIPS to ensure you have less volatility and cash on hand if needed. That’s it. Contribute monthly, reinvest the dividends and let the compound interest grow. DO NOT TOUCH IT until you hit the amount you can draw 4% per year without depleting your accounts. Once you hit that point you can retire and are fully financially independent. Check out the wiki on r/bogleheads if you want more info.

Ok-Teach3479

You have a gambling problem 😉 lol SPY / VTI or a target date fund where you buy and hold sounds like your only option.

Jigawattts

Start over, stop gambling, and invest in funds like VTI, VXUS, and QQQM. Unlike you I had to learn this lesson at the ripe age of 38. At least you have 13 more years of compounding.

WeeklySignalLog01

VTI or VOO and chilll

BakerMikeRomeo

I ain't no doctor, but: 1. Good on you for starting early. I didn't start saving intentionally or investing until my 30s, and I would be happier if I'd had it in mind a decade and change earlier. 2. I don't think there's anything explicitly wrong with your allocation or your plan, I'd just say that you've got it chopped fine when you needn't: if you just throw it all at VTI and VXUS (or equivalent funds), pay next to nothing in fees, and forget about it

FinanceLearn

Great start. Most adults don’t do this at 30, you’re doing it at 18. Only thing, QQQ-VTI overlap a lot on tech. If Nasdaq crashes, both drop together. Otherwise solid. Keep the habit, the amount will grow.

Ziegelmarkt

1: Awsome for you. I'm working on financial literacy with my 10 year old daughter and this summer we'll start doing something very similar, albiet at a much lower monthly contribution. 2: Nothing wrong at all with your picks but ***Consider*** swapping QQQ with VGT and VTI with VOO. I'm not going to get in to why they're my personal preferences, so read up on them yourself and see if you think it's a good fit. Only thing I disagree with is SCHD at your age. Dividends are great, sure, but save that for late stage investing when you're focused on wealth preservation and starting to do monthly/quarterly withdraws. Instead, maybe drop that 16% down to 10% and put it in something more aggressive like DRAM or EUV (ETFs) or a single stock in a booming sector.

spddemonvr4

That's funny. Jokes aside, i feel anyone with less than 100k should almost never go cash(unless it's needed). Their ability to time the market is more likely delayed and will miss more upside if they just sit and hold. And if you need to get out of a risky trade, move it to something like SPY, VOO or VTI, don't sit cash.

blofly

VTI

AskPatient1281

DO you want to be aggressive? QQQ Do you want to be balanced? VTI

Fastest_light

VOO, or VTI, QQQ, QQQM, no individual stock, no cryptos.

xjcln

I thought you were going with only single stocks and not fund tickers... if you're including funds is this even an experiment? A lot of people's entire retirement plans are VT or VTI. Personally I'd just go VT for maximal diversification.

aceman97

VTI

ServerTechie

Switch to FNDX instead of total US market (VTI), S&P500 (VOO), or Nasdaq (QQQ). FNDX uses RAFI fundamentals index to select stocks based on company health and cash flow, not market cap or hype. If you use a target funds though in 401K or otherwise, you’re kinda stuck.

w3bCraw1er

Exit VOO, VTI

w3bCraw1er

Thanks. That means I need to exit VOO and VTI.

us1549

Serious question, how do I avoid buying this piece of shit if I own SPY or VTI? I'm assuming it's pretty much impossible but cur

A_Guy_Trading

this is incorrect. VTI is over 99% the same as VOO. The difference is the .07% exposure spread across almost 3000+ companies for VTI. The other 99%+ are exactly the same as VOO

A_Guy_Trading

Theyre identical since VTI inception but ok

kinetic_honda

I fear the sentiment around this stock is going to drive young investors away from index investing and will unfortunately lead to so many people missing out on compounding growth over so many years. Scary how many people on reddit are talking about trying to divest away from VTI/VOO because of this. To each their own I suppose

Over-Computer-6464

You can sell one ETF and immediately buy a very similar one that tracks a different index without creating a wash sale, so adding in another step of puts on the second would make it even less likely to trigger a wash sale. The IRS has chosen not to provide explicit guidance in this area, but robo-advisors like Betterment and Wealthfront have been very public about doing this, complete with white papers listing the near equivalent ETFs they use. For example, the three total US stock market ETFs VTI, ITOT, and SCHB. They all track total US stock market indexes, but from different index providers. That is not a tax court case law or explicit IRS guidance, but IMO it is a safe real life precedent to follow.

Far-Doctor3527

TLDR: VT and chill Hello, responding here because I am also unhappy that my passive funds will buy SpaceX. I have decided to not take any action regarding the SpaceX IPO, and accepting that my funds will buy it even though this IPO seems like an obvious grift. I am not trying to convince you to take action or not take action, just explaining my reasoning because this IPO has made me worry about my portfolio and maybe this will be helpful to you in your own decision. First let's understand what types of funds could be affected by the IPO: \- Total world market funds (VT and the like). These track the total world's equities market, which is roughly $154 trillion in market cap. \- Total US market funds (FSKAX, FZEROX, VTI, VTSAX, and the like). These track the total US equities market, which is roughly $77 trillion in market cap. \- S&P 500 funds (FXAIX, VOO, and the like). These track the largest 500 companies in the US by market cap, which total to about $62 trillion. Note that this is about 80% of the total market. \- S&P 100 funds / Mega cap funds (FGRTX, QQQ, and the like). These track roughly the top 100 companies in the US, totaling roughly $55 trillion. Note that this is roughly 70% of the total market, and roughly 89% of the S&P 500 \- Large cap funds (FNILX, FSPGX, and the like). These are functionally equivalent to the S&P 500 so I will not add anything here, they may be slightly larger or smaller percent of the total market than the S&P 500 depending on holdings. \- Mid cap, small cap, and international funds: unaffected The first thing you want to think about is: what are you invested in? You don't have to go super granular but most passive investors have their investments in some version of the above funds. Are you more of a total market person, or more S&P 100? It doesn't matter which one you are, but take a look at your portfolio and understand what you are invested in. Now let's assume SpaceX does IPO at $2 trillion and let's look at how the SpaceX IPO affects the broad categories: \- Total World Market Funds: 2 / 154 = 1.2% of the total world market \- Total US Market Funds: 2 / 77 = 2.6% of the total US market \- S&P 500 and other large caps: 2 / 62 = 3.2% of the S&P 500 \- S&P 100 and other mega caps: 2 / 55 = 3.6% of the S&P 100 Now let's assume that the worst case happens: SpaceX IPOs at 2 trillion, and then the price goes literally to 0. If you are mostly in total market funds, your portfolio would go down by 2.6%. If you are mostly in large cap funds, your portfolio would go down by 3.2%. If you are mostly in mega caps, your portfolio would go down by 3.6%. But let's be realistic, even with this IPO likely being an Elon grift, do we really think this is going to 0? I don't. Maybe it loses 50% of its price, maybe 80%, I don't know. But it's a real company with real revenue (though small revenue compared to its huge valuation), so it's not going to 0. I'm not going to redo all the calcs but just for example, assuming it goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by 1.6%. But here is the biggest consideration: 100% of SpaceX is not going to be publicly tradable. We don't know exactly what the percent it is going to be but likely only like 5%. This means that the indexes will only track 5% of SpaceX's market cap. So assuming SpaceX IPOs at 2 trillion and goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by (2 \* .05)/62 = .16%. To be clear, this is like a fifth of a percent, which is inconsequential, the market moves more than this on a daily basis. Another point: I don't know what is going to happen in the future: I don't know if SpaceX's price will actually shoot up for whatever reason, so as an uninformed person, I think actively shorting SpaceX is not a good idea. Remember the famous quote "the market can remain irrational longer than you can remain solvent". I am a regular person and don't have any privileged information about what is going on with SpaceX so I think shorting it would be equally risky to shorting any other company that doesn't have a high-profile controversial figurehead as Elon Musk, which is something I wouldn't do (and likely something other passive investors wouldn't do either). At the end of the day, passive investors get to benefit from all of the companies in the market without having to do the work of researching and understanding each business, and making bets about which one will go up or down. We have benefitted from all the other great businesses that have continued to skyrocket without having to use a second of time to evaluate them. If you want to take action against the SpaceX IPO that is totally ok, but you could be introducing complexity to your portfolio, and spending your valuable time thinking about how to hedge against something that will impact your portfolio less than regular daily market fluctuations. Again, not trying to convince you one way or another, and to reiterate, I am not happy that I will be buying into this IPO passively because I do think it is a grift, but by looking at the actual numbers I have decided that this is not consequential. So to summarize all of this information, even though I am more of a Fidelity stan than Vanguard, "VT and chill".

username10983

From what I understand, S&P total market (tracked by ITOT or XTOT in Canada) and CRSP total market (tracked by VTI or VUN in Canada) indexes use free float cap weighting. If a company goes public with a low float like 5%, even if the total company has a huge market cap, the effective cap in the index funds will be much lower. Now this doesn't fully avoid the company, but it does lessen the weight significantly over using the full market cap. You can look up the index methodologies on the index providers homepages.

shortvol_trader

The logic is sound and this is actually one of the cleanest applications of CSPs — you genuinely want the shares, you have a defined cost basis target, and SGOV covers you while you wait. The math works. The one thing you're partially missing: your 16.5% annualized assumes continuous assignment avoidance and redeployment at similar premium levels. In practice VTI's IV compresses during bull runs — the same $355 strike might only pay $1.50 in 3 months if volatility drops, which changes your annualized yield significantly. The other consideration is the California tax treatment on options premium. Short-term gains on collected premium are taxed as ordinary income in CA, not at the LTCG rate. Your 35% reserve for taxes on the underlying may need to be higher on the premium portion depending on your bracket. The scenario where this hurts most is a slow grind up in VTI — you keep collecting 1% monthly while VTI appreciates 2-3% monthly, and you never get assigned but also never participate in the gains. The opportunity cost compounds quietly. Otherwise this is a well-reasoned strategy for your specific situation. The fact that assignment is genuinely acceptable to you is the key variable that makes it work.

A_Guy_Trading

How to avoid the bullshit that is SpaceX: Buy these 3 as your long port: 60% VTI 25% SCHG 15% SCHD Set it and forget it forever. For the short port, just full port shorting it and then add all the profit to your long port.

A_Guy_Trading

you can just hold VTI. VTI will only hold .11% at most, and even a total collapse of spacex would drag VTI down .03% AT WORST. It's insignificant.

D3AtHpAcIt0

That’s a funny allocation, good contender for the annual VTI award of miniature holdings. I got a similar one, one singular share of BAC that I bought when I first made my brokerage account. The 30 cent dividends are nice at least

EvictionSpecialist

I dunno man..if I was 60, I’d still be in VTI and VOO.

rackemronnie7

Appreciate the link. The real challenge is funds like VTI adjusting for free float, but with SpaceX's tiny 3-5% public float, the index exposure stays manageable regardless.

InvestingNerd2020

I'm not a fan of overplaying my hand in sector ETFs. However, making it 30% of your portfolio is fine. Example in a taxable brokerage account: \- 70% VTI or SCHB \- 30% SOXX. Could be replaced with FTEC or QQQ.

pandadogunited

AVUS is a total market fund and VOO isn't. You should be comparing it to a total market passive fund like VTI, which it has outperformed.

Pure4Choice

Funds that pay dividends (VTI, VOO, etc)

Various_Couple_764

IF your growth investor Using growth index funds there is one group of energy companes that are not included in your growth index funds. Master Limited Partnershps (MLPs) VTI should have hen but doesn't. Some may be big enough fro S& P500 but still they are not there. Why MLPs generate K1 tax forms which means this complicates the funds taxes and thus increases expenses. But that said MLP also pay a higher dividend than most companes and and some have growth. Soif you OWN VTI or other growth index you might consider adding theseA ETF or CEF that holds these companes. I hav EMO 9% yeild. Note since the fund has to handle and pay any tax related to the K1 tax forms. So you don't have to. There are many funds that invest in MLP. MPLs gernallly own oil and gas pipelines and some oil and gas refinereses.

Standard-Top-5942

The worse thing about America is how profit focused everything is (companies, work schedules, healthcare). It's like that more than any place in the world probably. This makes the stock market I think a decent bet for the long term. That, and the fact that the S&P 500 gets like most of their profits from abroad, makes me a 100% S&P investor (or 100% VTI).

wandererarkhamknight

One thing these articles conveniently fail to mention is what is the approximate % of VOO, VTI they will be. Because if they mention it, the article will be big nothing burger!

harpers25

Dear lord, stop getting your entire worldview from Reddit comments. Many index funds have always had fast entry, including VT / VTI. SpaceX will be less than 1% of these kinds of funds. It's still float weighted.

The-zKR0N0S

SpaceX will become ~0.15% of VTI. It doesn’t really matter.

ReformedBlackPerson

The double real issue is that VTI is float adjusted and SpaceX is only floating 5% from what I’ve heard, so it’d only be like 0.05 or 0.1% of VTI which IMO is not enough to make me want to dump it before the IPO.

Technical-Fly-6835

Just check performance of VTI over last 5 years. It tracks sp500. So if top 500 companies are doing well then VTI is up. If they all are doing poorly then we have bigger problems.

Agreeable-Bee-3449

Not a financial advisor but I like to do a core + satellite approach. Where the bulk of my money is in a broad index etf (like VOO or VTI, VXUS, VT etc) and then I supplement that with more risky individual investments. My satellite rn is GOOG, MSFT, MU and RKLB

the__storm

Yep, NASDAQ is not the only one affected - CRSP (tracked by VTI and many other Vanguard funds) changed their rules earlier this year: https://www.crsp.org/crsp-market-indexes-changes-to-float-shares-investability-screen/

BottleMedium881

At 30, I’d keep it boring. In taxable, VTI is usually a great core because it gives you the whole US market and is tax-efficient. VOO is fine too, but holding both doesn’t add much since they overlap heavily. Since your Roth is already 80/20 US/international, you could mirror that with VTI + VXUS in taxable and focus on consistency, low costs, and not tinkering.

fec2245

Based on the small free-float it's going to be something like 0.15% of an index like VTI. There's far to much consternation about this, it isn't going to have a noticable effect even if it drops in half over the first year.

grandpa2390

I bought Nvidia because everyone wanted Nvidia, and then when the Crypto coins started taking off I saw, everyone wanted Nvidia. and then AI was starting to happen and everyone wanted Nvidia. so much that an entire country was not allowed to buy the best chips. so I just kept adding to my position. I didn't buy enough to become a millionaire, mind you And as Nvidia succeeded, I had enough conviction in the industry to buy other names like MU and AMD. Not enough to become a millionaire. But enough that it has allowed me to beat VTI and VOO had I bought that instead.

otterbarks

You need to look in the fund's prospectus, and see what benchmark index methodology they're using. Again using VTI as a convenient example just because I was digging through it recently (for this same reason), this is what their documents say: "The Fund’s Target Index, the CRSP US Total Market Index, **is a float-adjusted market cap weighted index**."

otterbarks

Avoid QQQ(M), since the Nasdaq-100 significantly changed their rules in a way that exposes you to more SpaceX. Outside of that, most other index funds (VTI, etc.) are free-float adjusted. One of the games SpaceX is playing is they're structured with an unusually small float (just 3-5%), which surprisingly offers some protection because those funds will automatically scale down their investment in SpaceX to match. At 5% they'll treat it as a $50B to $100B company, instead of $1.5T. See: [https://www.reddit.com/r/Bogleheads/comments/1tkxhpl/protecting\_ourselves\_from\_spacex\_ipo/](https://www.reddit.com/r/Bogleheads/comments/1tkxhpl/protecting_ourselves_from_spacex_ipo/)

trix_is_for_kids

What’s your age/ time horizon? If it’s 20+ years I’d go 80/20 VOO/ VXUS. Could go 80/20 VTI/VXUS for more exposure/ safety or just 100% VTI. But if your timeframe is 20+ I’d suggest the more aggressive approach.

Informal-Lime6396

I'm of the opinion that 30 is young, and target date funds and bonds have no place in your 30-year retirement portfolio. I used https://www.etfrc.com/funds/overlap.php VOO and VTI are basically almost the same. Overlap: 88% by weight, 497 # of overlapping holdings I argue for replacing the target date fund and bond allocations for some sector ETF like VGT and SMH/SOXX. As you near retirement, you can rebalance tax free towards bonds and a more Boglehead-like portfolio. But while you're in your prime earning years, I think you can stomach the volatility for bigger returns.

TradeWithTheWind48

I can wholeheartedly say, Dub is full of lag. I invested $2,000 into 3 different high-performing portfolios and while the first few months were in the green, I ended up in the red by 15% after 6 months. Once I started seeing the red, and delays on my trade copies vs when the creator shared their trade, I knew it was time to get out. I even spent $90 on their premium plan before they reformatted it. Not worth it, I've made more by being boring and investing into VTI.

Icy-Sheepherder-7595

I'm working with much less capital than you but I've been struggling with the same emotional selling and poor timing. I keep trying to tell myself it is what it is and it's a lesson pretty much every investor has to learn at some point. Nobody's line ever just goes straight up. I recently took a $7k loss on LULU after finally deciding I was done with it after holding and averaging down for almost 2 years, then I see it starting to move up again although the value is still way off its highs, I sold MELI a few weeks ago and again that's going back up, sold out of half my UNH position at the bottom and lost a little money despite knowing I bought in really cheap and probably could've held it all, I made $4k instead of the $10k I should have had I held. The thing is though you have to move on once you sell a stock. Beating yourself up and, I'm guilty of it, I made a similar post in the value investing sub about how over the last few years I traded like $300k just to barely break even, but beating yourself up and dwelling does no good for your mental health or investing strategy it will only cause you to keep losing money. Not financial advice in the slightest but I think if you let go of META and MSFT you'll find yourself feeling sad again once they go back up. MSFT is my largest position so far and I'm not selling until it at least doubles which could take time but I don't think as much as the projections are showing. If it drops below my entry price of just under $400 again I'm loading the boat. It's the one stock I have 100% conviction in right now they'll never go away, corporate America runs on their products I wouldn't bet against that at all. META is riskier but I hold that too although much less. Earnings are good, no reason the stock should stay this low for long. I would just close the app and hold and see where things go if I were you. And also it sounds like you already have about $400-500k liquid net worth so you're already ahead of most people, if you're smart and can get a handle on the emotional aspect which is just as important as the technical analysis side of investing, you can make that money compound quickly. No need to be chasing anything too risky like options when you have that much to lose. If anything sell your current positions after you're in the green and throw it in VOO/VTI/VXUS/VTSAX take your pick at whatever low cost index fund and then just never sell. That's the beauty of index investing, if it goes down it just means you can buy more cheaper, unlike individual stocks where your gambling it all on horse to win it all but with indexes they pretty much always go up in the long term. Even buying at the top of the market you're still guaranteed to come out profitable unless a nuclear war breaks out or something of that magnitude.

wandererarkhamknight

More like 0.7% of QQQ. Lower for VOO, VTI and VT, in that order.

Skizm

VTI and chill

golf_234

You should really start looking at 10, 20 50 100, and 200EMA to determine if you are buying in a bull or bear trend long term and short term, and if you are buying way too high in a bull run (i.e. way above the 10 or 8EMA in an increasing market, which can still be a mistake) sound like you have picked stocks pretty well, but with really bad timing and not paying attention to fundamentals. Also should check PE and PE/G for every stock you buy as well as news and projections, etc. I like using gemini for consensus price targets and trajectories as well. More fundamentals!!! And have the lion's share of your funds in tried and true things like VOO, VT, VTI, and so on.

Remarkable_Cheek4295

VTI or VOO and chill.

RunsaberSR

Just follow the money really. Billionaires, governments etc are shoveling money into tech/infrastructure. Me too. And I'll keep doing it until i see the money leaving or going elsewhere. If you want an entry, sit on your $ and wait for SPY/QQQ to hit the 200day EMA again on the daily chart after some "event". Then start scaling into something "safe", VOO, SCHD, VTI, QQQ/SPY etc to start out (OR SOXL, DRAM...i REALLY like CHPY). And just hold it. And keep adding. Then you wait. Then you're rich. 👍

Carbon-Base

Beans, lentils and legumes are essentially VOO, VXUS and VTI.

zer1223

>Why this matters? Forcing quick inclusion means all passive index and benchmarking strategies will trigger systematic buy to hold to index weights which is something like 4%.  Which passive funds track the nasdaq? The big funds that I'm aware of are VTI, VOO and their non-etf equivalents. All of which don't track the nasdaq 

kb8242

You could also just get VTI instead of small mid and large separately. 2% WM probably won’t effect your portfolio much but then again why wouldn’t you want $WM in your portfolio.

laz62972arulian

I'm weighing between Cash vs. Equity at a very large Private Company I recently received an offer from Stripe (\~$159B valuation) and have the option to take my equity package (\~$80K/year) entirely in cash or as stock. This isn't a traditional 4-year RSU grant with a fixed strike price. Instead, the grant resets to FMV each year. So if the stock is at $65 in Year 1 and $85 in Year 2, my Year 2 grant is priced at $85. I capture year-over-year appreciation, but I have no long-term compounding upside from a single grant. Given this structure, does taking stock over cash still make sense? The way I see it, the stock only beats cash if Stripe continues to meaningfully appreciate each year, and at a $159B valuation, I'm skeptical there's much runway left before a plateau. I don't see them IPO'ing in the near future, but they offer liquidation events twice a year, so I'm not worried about liquidation. What I'm weighing: * Stock upside is capped to annual increments, not long-term compounding * $159B is already a massive valuation for a private company * The conventional wisdom is to take cash and put it in VOO/VTI * But if Stripe does continue to grow, there could be short-term gains Stripe's business varies with transaction volume, so the business's success correlates with market performance.

zangor

SPCX is bout to go really poorly or so good that it will end up a 5.3% holding in VTI.

OGS_7619

most people recommend diversifying both beyond top 500 large-cap in US, to include med-cap and small-cap in US, as well as buying international (emergent markets). So instead of ETF like VOO or SPY that only tracks S&P, you may want to get VTI or FSKAX that tracks total US market, as well as international market, VXUS or FTIHX. Most people go with cap weight of about 60 US to 40 ex-US, but it depends on whether you are in US or elsewhere (then you may tilt towards home country due to exchange rates) and whether you want to increase US allocation because of personal beliefs. International underperformed S&P (and S&P has been lately dominated by top 7 companies) until about a year or so ago, when international has been outperforming S&P. There are periods when small cap or mid-cap outperform large-cap, and most of the time bottom 450 S&P companies outperform top 50, so over time it will all averages out - stay diversified.

simplyty_206

Don’t need both VOO and VTI. Pick one and chill

Flo_Evans

Sell some individual holdings off and buy VTI and chill.

EveryPassage

Yeah but I don't see the VTI index making that change, (there is no incentive for them too).

pants_full_of_pants

You already won. Don't risk pants down in the coming bubble burst. Put 5% trailing stops on everything and as they sell off put it into VT, or VTI+AVGV+(SCHD/SGOV) depending on risk tolerance. Delete the app and only reinstall it once a month to make those trades. I mean full port Tractor Supply calls or whatever.

RecommendationDie

80% VTI 20% SCHD Contribute as much and as often as you can.

Reachin4ThoseGrapes

VOO and SPY move almost identically for what it's worth. Greater exposure on either is a good call in a bull market is you're looking at ETFs rather than individual stocks. Both have returned about 26.6% over a 1yr timespan (obviously that fluctuates year to year depending on market conditions). Personally I think holding VOO, VTI and VUG simultaneously in a taxable account is too much overlap. Consider picking just one. For reference, VUG is just rolling together holdings of various stocks you are already currently holding (presently I believe VUG is 11-12% AAPL, 8-9% MSFT, 5% AMZN; largest holding is NVDA)

blitzzerg

Depends on your retirement fund no? If you are only using funds that track NASDAQ then yes. But I would assume that the majority of people have something more diversified like VTI which tracks the "CRSP US Total Market Index"

Normal_Ant_4612

If you’re investing just make sure you have a plan. Are you saving this for retirement? Consider a Roth or other tax-advantaged account. If not, what’s your timeline? The more time the better. A lot of investing subs on Reddit will just tell you VTI or VOO and chill. Which not a bad recommendation and a time-tested strategy. Personally I keep my ETFs in my retirement account and individual names in a taxable account. But that’s just a personal preference. If you’re adding an individual name to a long term account, you want to know why you believe in the company and why you like it at its current valuation. Timing is somewhat more important with individual stocks over the long term compared to ETFs like SPY, VOO, VTI, etc - in which the most common strategy is just to DCA. If you’re going to build a long term portfolio of individual stocks then diversification is also definitely a good idea. There’s a lot of resources out there, I’ve personally learned a lot from “Stock Market Live Trading Fraternity” on YT. He’s definitely not your normal stock channel and it’s not all long term focused but that is the primary focus of the channel.

Emotional-Power-7242

VOO is DOW, the methodology is antiquated compared to VTI.

Emotional-Power-7242

Sure but there's no shenanigans. VTI will accurarely represent the US market, as is intended.

wandererarkhamknight

Even if SpaceX lose half of their value, it will be a mere noise in VOO and VTI.

BeuTaude588

if the goal is capital preservation with better yield, SGOV or a short-duration treasury fund is the right answer, not equities. VTI solves a different problem where you are willing to see the value drop 30% temporarily. clarify the horizon first. if this money might be needed in 2-3 years, stay in something treasury-like

Emotional-Power-7242

Literally just buy VTI. SPCX is going to come in at like 0.2% of the index.

bklynparklover

I have 5% of my investment account in individual stocks, the rest is in various index funds (mostly VTI). I buy small amounts of stocks that appeal to me for whatever reason (usually because I think they will make money), and I enjoy buying, selling, and monitoring them. The gains are usually good, although I've bought a few I regret. Overall, index funds have been more consistent, and I consider them a much safer bet.

InvestingNerd2020

Individual stocks: - Google (GOOGL) - NVIDIA (NVDA) This is due to their EPS, market dominance, cult fans, and P/E ratio. Basket of stocks in an ETF wrapper: - VTI or SCHB - FTEC or VGT

spidey9113

Put money in SPY, VOO, QQQ, and/or VTI and check back in a decade. I rarely invest in individual stocks. I will day trade options but that takes time to learn and very risky, so I only use a small portion of my money for that. Even as an Econ PhD, options are very tricky.

pain474

just buy VTI, this is not for you

sf_cycle

If you want to invest, just do that. Like someone else said, go with an ETF like VT, VTI, VOO, whatever if you’re not confident picking out stocks. Most people suck at it, and those that don’t are often just lucky. If you mean you’re trying to time the market like OP with stocks, there’s nothing to understand. The market is a casino as they say. But long term it tends to rise.

vinylbond

VTI is good but it’s US only. Throw in VEU (rest of the world) and you’re golden. In time you can start adding short term bonds but it may be too early for that. Don’t sell the dips. Keep invested. Keep investing. Best times to buy is when there is blood on the street. Good luck.

ATPsynthase12

55 and nearing retirement? 50% VTI, 25% VXUS, 25% bonds Young with several decades to grow? Literally just do VTI and VXUS. Even if you don’t add a dime to it, the conpound interest alone will create generational wealth without needing to performance chase.