VTSAX

BuyAndFold33

I bought my first shares of VTSAX (or whatever it was called then) back in 2006 when it was like $28. Now it is $150 Just keep buying some from now on whenever you can and don’t even think about too much.

readsalotman

We've been DCAing for 11 years and currently have $665k invested. Our household income has ranged from $125-145k working as education professionals, but we're net worth millionaires with $300k in equity as well. Index funds have been our strategy. Primarily VTSAX.

Investoid

I will give you mine just so you have different input from someone who has been running the same thing for 15+ years. I am 45 years old. 90% stock, 6% bonds, 1% short term, 3% 3 month treasuries. For the primary ETF blends I just have VTIAX (international)15% and VTSAX (US)70% For fun I have SCHD which used to be some random stocks I picked years ago, but eventually all the money ended up in SCHD. In the last month I picked up 1k in 3 month treasuries under SGOV. I try to keep 4-5 months of expenses in a high yield savings account for emergencies. The SCHD isn't even necessary but I like watching it, so I could just move that money to VTIAX someday as its just for fun. The performance from 10 years ago(2015) until today is about 12.00% per year without me doing anything except add to it. This includes most of the market crashes. I believe I started investing a little after 2009 but the impact of this setup wasn't noticeable until 6 or 7 years later. SCHD is slightly down as I made that adjustment only a year ago. It only represents like 1% of holdings. It is what people would consider a double exposure since I am technically holding a broad ETF that already covers what it holds making it kind of pointless but I wanted yet another account somewhere I could withdraw funds from that wasn't the main account...was my thinking. I don't have any really fancy plans, just to coast until retirement in another 25-30 years doing the same thing.

thetreece

>vastly No, it's not. There are some minor tax and capital gains advantages. They're both low expense, and the total returns after fees will be essentially the same. Nobody is fucking up by holding VTSAX over VTI, and VTI will not be *vastly* superior over any time period.

linuxdooder

A mutual fund is just a kind of fund structure. There are good and bad mutual funds, just like there are good and bad ETFs. VTSAX is completely fine for example.

thetreece

I think you mean "actively managed" mutual funds. Indexed mutual funds are completely fine. There are some minute differences that give indexed ETFs a razor thin edge over indexed mutual funds. The difference in being invested in VTSAX vs VTI is negligible. One is an mutual fund, one is an ETF.

HappyCaterpillar2409

Put it into RDDT and then ride it to $200 Otherwise put it into VTSAX and forget about it.

IamDoge1

VTSAX

QVP1

After you max both 401k and IRA every year, if you still have more that you want to invest, then sure just a total market index fund in a taxable brokerage account. If it's Vanguard, then VTSAX/VTI If Fidelity, then FSKAX And if you have a qualifying health insurance plan at work, then contribute to an HSA too. Listen to this podcast. Yes, investing really is this stupid simple. [https://www.morningstar.com/podcasts/the-long-view/c8a0b64e-0df8-4fc3-90d7-09bcd38544fd?utm\_medium=referral&utm\_campaign=linkshare&utm\_source=link](https://www.morningstar.com/podcasts/the-long-view/c8a0b64e-0df8-4fc3-90d7-09bcd38544fd?utm_medium=referral&utm_campaign=linkshare&utm_source=link)

HappyCaterpillar2409

VTSAX

Investoid

QQQ is very tech heavy. I believe it is investors who favor this impression that the coming AI and tech revolutions will far exceed the other ETF options at some point. Essentially VOO is more stable and spread across different industries and QQQ is expecting a moonshot in their lifetime. At 27 years old I don't think at this point it's a huge issue between either, though some people would probably take risk off the table as they get older, so a younger person may go QQQ until they are near retirement. It's extra risk but they do have a lot of time to wait. After about 15 years in VTSAX for myself I am fine with the outcome, very low admiral share costs and about 12% return per year. It's apparently not as popular a choice but in the end it turned out okay because I stuck with it, even during the troubled periods.

curbfruit

You know, I'll often hearof people making a killing in the stock market and I get little down on myself for taking the VTSAX and chill approach. Then I see stuff like this and I realize that, though I may not ever get filthy rich, I'll likely never have to look down the barrel of 46k (presumably your life savings, which I actually admire you for, in a way) vanishing into thin air. I kind of wonder how it feels but I just don't think I could cope. God love ya man. Thank you for having the levity to share it here where it stands as a reminder to those of us that are afraid to gamble with our life savings that there is very good reason for not doing so. Bless you.

HappyCaterpillar2409

Why not just do VTSAX?

DavidKauffman84

I hate posting this, but I'm so torn on what to do. Recently got a divorce and finally received the equity of my home, about $200,000. I am really unsure what to do with it. I was going to put that money toward a condo and potentially paid mostly in cash with a very small $50K loan, but that is not possible anymore due to job loss. I'm doing fine so far as a freelancer, actually making more than I was as a salary worker, but I don't know if that's sustainable and nobody will give me a loan without 2 years of proof of income as a freelancer. Anyway, I am thinking two options. 1. Put it in a HYS account. This is where the money is right now making 3.65%. That's about $610 a month, $518 after taxes. 2. Put it into some index funds like VTSAX and let it grow in there for a while. My personal situation * 40, USA * Self Employed for 4 months now. Maybe estimate 75K per year? I've made 45K in the past 4 months, but 30K of that was just one huge job that is now done. It's hard to say, which is scary to me! * Want to eventually buy another home one day, but having lost my job in February, they all want 2 years of income for a loan. This would eventually be house/condo buying money. * I don't need the money right now really... I can use the interest from a HYS to go toward an apartment. The interest earned makes a $1,850/mo place cost about $1,330 and most condos I am looking at in the area are about $450 HOA + $450 Taxes, plus about $300/mo for the loan I'd need, about $1,200 total. Unless I was able to pay for a place in cash and not have a loan, renting with the money in a HYS is about the same as buying, IMO. * Low risk tolerance? But I've been very happy just dumping money into VTSAX for retirement and how it has performed. * 330K in retirement index funds like VTSAX, 90K cash, 200K cash from house equity (290K Cash total). So 620K is my net worth right now. That 290K is making 3.65% in HYS for about $883.38/mo total. That's $10,600 a year just sitting there if I mathed correctly. * Zero debts. My kid is my only big expense! lol. House was paid off before divorce, which is why the equity was what it was. * Average cost of living over the past year without housing (and subtracting those f'n divorce lawyer costs) was $2225/mo. Yes, I tracked it closely since I was getting a divorce and wanted to know what the hell it cost to live on my own. With a $1,850 apartment now, that's $4,075/mo, $49K for the year. Is that low for a single dad with a kid? I have no idea. So yeah... hit me with some advice. I realize I could buy a condo if i just used all my cash savings, but my low risk tolerance and being a freelancer right now means I want to have a comfortable emergency fund.

WendellSwendell

Bought BIG on 100% US stocks (mostly VTSAX and SPY) in early-mid April when Reddit was losing their minds lmao. Cha-ching!

No-Needleworker5429

I commented this on April 7th: “Just bought $7,000 of VTSAX. 🪦”

RockSolid3894

Vanguard’s Total Stock Market (VTSAX) is the entire U.S. equity market, including small-, mid-, and large-cap growth and value stocks. This helps to spread things out more.

htffgt_js

Yes, or you could get the total US stock market - VTSAX instead.

QVP1

You're gonna be a very rich retiree. :) After 401k and IRA are both maxed every year and you still want to invest more. A simple index fund in a taxable brokerage is all you need. If you use Vanguard, then VTSAX. If Fidelity, then FSKAX, but you could do VTI if you prefer. They're essentially all the same. I don't even bother with HYSA. You can get everything in a single brokerage. In either Fidelity or Vanguard, just buy the total market index fund, then for however much cash you want to keep in reserve, leave that in the money market fund. You really don't need to do anything else. You can also buy Treasuries and/or CDs in the same account too, but that's not really necessary unless you really want to lock in a specific rate for a specific pre-defined future expense or ladder for a series of expenses. I am 100% Roth IRA and a taxable brokerage. Nothing else.

JourneymanInvestor

The first lesson when in comes to buying shares of individual stock: always set entry and exit price levels. If you aren't using a strategy (volume-price analysis, etc) to define these levels then its just better to invest in the index instead ($VTSAX, $VFIAX, etc). The index takes away all the guessing as you are buying small amounts of all the stocks in the index instead of gambling on a single security.

throwawayainteasy

>im trying to build wealth Statistically your best bet is to put your $3K, plus anything else you can spare over time, into a low cost, passive, broad market index fund. Something like ITOT/FZROX if you're with Fidelity or VTI/VTSAX if you're with Vanguard (other large brokers have their own equivalents). Trading individual stocks is much higher risk/reward. Doing the above is the most certain path to building wealth over the long term. Trading stocks/options can be very profitable, but the vast majority of people doing it fail to beat indexing. Index investing is slower, but it *will work* (assuming modern society as we know it doesn't collapse or the world markets turn into Japan's). If you're gonna go for option 2, the long-term strategy is to research companies and find decent small-to-mid sized ones you like for whatever reason and invest in them. For example, in the active portion of my portfolio, I'm banking on the changes to NASA's funding/operations to massively benefit contractors in the future. I'm holding decent amounts of BKSY and LUNR as they provide relatively niche services that I'm assuming are either going to either directly disproportionately benefit from a push to privatize space in the future, or they're going to get purchased by one of the bigger space companies (SpaceX, Blue Origin) who want to start providing NASA with the sorts of services they offer. I could have gone with RKLB, but I think they're pretty significantly overbought already and aren't as likely to see a big return (essentially a big increase in revenue for them has already been priced-in over the last year). Am I right? Maybe, and if I am I could see big returns. Will I be wrong? Also maybe, and even if I'm not wrong in an absolute sense my timing could be off such that by the time those tickers give be big returns, they could lag behind the overall return of the market if I had just put that money into ITOT instead. Similarly, I have a solid position in EUAD--an air defense ETF tracking European defense companies. I antipated a big buildup in EU military capabilities with the US being less of a solid NATO partner, so I made a bet accordingly. I'm up vs the market this year, but will I be over the next 5-10 years? Maybe, maybe not. That's why generally I keep 95% of my portfolio in index funds and bonds. Only 1-5% are active bets (ie, picking individual stocks to hold or options to buy/sell).

BCSteeze

About 8-10 years ago I was day trading Apple, BABA, NVDA, AMD, and ETE. Should have just bought and held. At the end of it all I probably broke even and wasted a bunch of time. Basically just held VTSAX after that, which worked out well.

KrustyLemon

Why is VTI up today but VTSAX down?

EMPAEinstein

I'm about to turn 40 and had a similar thought but my approach was somewhat different. My student loans will be paid off at the end of the year at which time I'll be contributing approx. 44% or 264k per year between employer profit sharing, maxing out 401k's and taxable accounts. My spouse and I's retirement goal is >=10 mill in equities by 57/58 when our daughter goes off to college. We can either continue investing into FSKAX/VTSAX for the full 264k until our goal retirement age which at a 7% RoR would be > 10 mill or go 214k in index funds and 50k per year into VBTLX to build up a dividend portfolio that could generate 250-300k per year without ever having to touch the principle. The latter method would total about 9 mill in equities and 5 mill in VBTLX (2 mill through yearly investing, 1 mill from conversion of equities into VBTLX, and another 2 mill from the sale of our home). We can absorb the taxable dividends due to our combined income but figured this was a better method than a huge tax big from large equity sale closer towards retirement. Thoughts are appreciated.

WorkSucks135

I don't understand your asset allocation. Why is there so much overlap? VTSAX and VTI are the same. Both contain VOO. Why not just have VOO and the desired weight of VOE, small cap, etc SCHF is contained entirely in VTIAX.

EMPAEinstein

After student loans are paid off this year. 264k/yr or 22k/month. 600 HHI essentially all FSKAX OR VTSAX depending on which account.

Dry-Drink

I still remember my first investment was $5K into a Vanguard Stock index fund VTSAX back in 2017. From then, it was a lot of saving, investing aggresively with leverage. By 2020, I was at $400K, opened IBKR account to leverage more and began posting. In 2021, I hired an advisor that handles it, he really turbocharged with more diversification (initially, I was all-stock). Since then, it's grown to $2.1M and counting.

SnooChipmunks2079

I intend to retire in the next decade. In early March, I moved 75% of my tax-deferred stock portfolio to bond and/or capital preservation funds depending on what was available. I continue to believe this was a good decision and may not return to stocks in any significant way in the retirement accounts until after the midterms. Year-to-date in my tracking spreadsheet, as of last Saturday: * DJIA is down 0.5% * S&P500 is up 0.5% * My overall investments are up 0.5% * Normal brokerage account (all stocks) is down 2% * IRA is down 2% * Roth IRA is down 3% * 401(k) - where most of my assets are - is up 0.3% * 529 plan is up 1.7% when you subtract out the ongoing contributions. It's still all stocks. * Crypto (mostly Bitcoin) is up 9% but it's only about $12K. The IRA, Roth, and 401(k) are the accounts where I reduced stock allocation to 25%. Mostly in VTSAX. The brokerage, IRA, and Roth are each slightly above $100K. 401(k) is about $1.5M. 529 is about $35K. I'm going to spend some time looking at if I screwed up the spreadsheet because my gut feeling is "biggest investment up 0.3%, overall up 0.5%, everything else down" seems wrong.

ambientocclusion

Or VTSAX

Temporary_Inner

Get the fuck out of this meme subreddit, open a Roth IRA with Vanguard/Schwab/whatever actual financial institution that's not a stupid app like Robinhood, throw it all into VTSAX, and don't touch it until you're 67. Or you could be a dumbass and invest in crypto and individual stocks.

1hotjava

I never sold my VTSAX in my main account but in my play money trading account I was cash until there was a “follow through” day and then the close of SPX closed above the 200SMA and the 21EMA was above the 200SMA for come confirmation of an uptrend.

FINomad

Best: Throw all of my investment money into VTSAX and hold. Don't pick stocks, don't sell, don't think I'm smarter than the market -- just be the market. It helped me retire by the time I was 35. Worst: I built a house in my 20s. It delayed my retirement by a couple years compared to if I had just kept renting and throwing that money into VTSAX.

6100315

I was invested in them for awhile without actually doing any dd, but when I finally learned more about them I sold it all. It's obviously going to be a money maker going forward, but I just couldn't do it. Likewise won't invest in oil/ gas or war profiting companies (beyond VTSAX). I guess I justify total stock market index funds as an investment in America, but won't hold individual stocks in those companies. I have a large chunk in vanguard social index fund which avoids those.

Josh18293

$7k in a Roth IRA, invested in a broad stock market index, like VTSAX and/or VIGAX. The other $3k can go into a normal stock brokerage account, investing in similar index fund ETFs, like VOO or VTI.

highastronaut

Yup you can buy VOO directly. The reason I like VOO better than the fund you mentioned (or VTSAX) is you can sell at any point. With a money market fund when you sell you get the end of the day price. Gives you a little more liquidity.

bobdevnul

VT and VTSAX are about equivalent to a TDF without bonds. VT is the ETF fund that you can buy at any broker. VTSAX is the mutual fund version of the same fund that you can only buy at Vanguard. The funds are a combination of total US stock market and total ex-US stock market in proportion to the world market capitalization. That is currently about 63% US, 37% ex-US. It automatically rebalances as the world market cap changes. If you want bonds put them in a tax advantaged account or just accept the minor tax drag of a TDF in a taxable account. Getting money invested is more important than agonizing about TDF tax drag and not investing.

Rymasq

the only thing falling hard in my portfolio is NVDA, and that is not even 10% of what I have. I'm up almost .7% today. My VTSAX is up .38% which means the entire stock market is up today. Diversify

JackieDaytonaPanda

I always see VOO or VTI recommended. Any problems with VTSAX?

Huge-Truck8207

Congrats on graduating! That’s an amazing gift from your grandma—and a smart one too. If you’re thinking long-term (20+ years), putting that $5,000 into a low-cost broad-market index fund is one of the best moves you can make. A few great options people often recommend: • Vanguard Total Stock Market Index Fund (VTSAX or VTI) – gives you exposure to the entire U.S. market • Vanguard S&P 500 ETF (VOO) – tracks the top 500 U.S. companies • Fidelity ZERO Total Market Index Fund (FZROX) – no fees, great for beginners • Schwab U.S. Broad Market ETF (SCHB) – another low-fee broad-market choice If you want a bit of diversification, you could consider: • 70% in a U.S. index fund (like VTI or VOO) • 20% in an international index fund (like VXUS or VEU) • 10% in a bond ETF (like BND) or high-yield savings/CD if you want a bit of stability Set it and forget it—with automatic reinvestment—and you’ll be thanking Grandma big time in 20 years. Also: if you’re using a Roth IRA for this (assuming you’re eligible), the long-term tax benefits could be huge. Whatever you choose, the key is starting early and sticking with it—and you’re already doing both. You’re way ahead of the game.

sabedo

this is the way I completely got out of the SP500 and feel nothing but relief. GLD. EUSAD, VTSAX, the US is literally a casino at this point

SuperDork_

In other words, VTSAX and chill.

Ok_Valuable1572

VTSAX

zenfridge

While I take everything chatgpt says with a grain of salt, it says it does. It says I still start at a loss, and would do better building one myself. However, it readily admitted they're complicated to set up, and thus, maybe you do pay for something. But I guess that's the heart of my question, really. I mean, why not just VTSAX+VBTLX+VTIAX instead?

readsalotman

Nope. But go for it! We have close to $1M spread across 40% VTSAX, 40% VBTLX, and 20% VTIAX. My spouse and I are content with a set it and forget it three fund portfolio. It provides stability and flexibility, which is what we want in life. Do you have at least $100k invested? Before gambling, at least have a foundation that'll continue to grow when your bets don't provide the return you expected.

dmsas

RIP the GOAT'd VTSAX at the bottom

-Morel

Markets are based off of future sentiments, not current facts. Even in this chaotic environment, the 90 day pause lifting was "priced in" to that massive crash a few weeks ago. You're new to this so unless you're talking about your play money for that NVDA call I would suggest doing yourself a favor and going full VTSAX and chill.

Hamlerhead

Still in mutual funds, eh? Is there some benefit to holding VTSAX vs. VTI ETF that I'm missing?

SweetZombieJebus

Personally, I do about 60% (trying to get it closer to 70%) in a few indexes (especially in my Roth, more like 75% there) and then stock pick a few of the top holdings and some other blue chips when I see overreactive dips to try and juice my returns. Messed with some speculation on moonshots, but barely anymore. Those always burned me outside of the Covid rally. You gotta do some speculation to keep it spicy and fun. But when I first started it was just VTSAX and Apple. I have about 12/13 stocks I guess all in and then 3 ETFs/Mutual Funds.

SweetZombieJebus

I’m curious… If you’re brand new to investing, why hold so many individual stocks? 20 is a ton for any investor, let alone someone brand new. You’d be much better off putting it in VOO or VTSAX and learning before trying to stock pick.

fatheadlifter

My relatively safe portfolio compared to yall: * VTSAX - 52% * SWPPX - 25% * QQQ - 8% * SCHD - 4% * VUG - 4% * GOOD - 2.5% * SSSS - 2% * VICI - 1.5% * O - 1% The bad eggs have been GOOD, SSSS and O. That's why they're such a low percentage, I stopped contributing to them but still holding them.

derwake

Either put it all into VTSAX or all into Bitcoin

clock_skew

VTI is the ETF version of VTSAX, you could have just bought that if you didn’t want to change your investment decision. Other than that you’re fine, switching to an ETF was the right choice. Make sure that you’ve enabled dividend re-investment.

No-Needleworker5429

I posted this comment on April 7th: “Just bought $7,000 of VTSAX. 🪦”

No-Needleworker5429

I posted this comment on April 7th: “Just bought $7,000 of VTSAX. 🪦”

dang_envy

That’s a great point, is it as simple as just selling an amount less than I have bought in for a given fund (ex. I bought $1000 of VTSAX, it’s now worth $1500, so if I sell $1000, it won’t be taxed)? Or when selling, would I have to select the minimum tax (mintax) option to ensure that what I’m selling is less likely to be taxed?

neolobe

This. I got out of VTSAX in Dec right at a peak. Cash sitting in MMF @ 4+% for the shit storm.

astrange

If they were good they'd tell you to buy VTSAX (or use a roboadvisor) and wait 30 years. That's the only good advice.

nichijouuuu

If I had a $450K windfall I was not expecting I would dump that into VTSAX so fast I’d be shitting myself

Kinda_Quixotic

I mostly VTSAX and chilled. I wish I had completely VTSAX (and VXUS) and chilled.

WackyBeachJustice

So you're saying VTSAX and chill?

readsalotman

A Roth IRA is a gold mine. Open a Roth in Vanguard, go with a 60/40 split with VTSAX and VTIAX, and max it out annually until further notice. Then he needs to go to college. $23/hr is great, but that's his ceiling without a college education.

StatisticalMan

>Don't buy stocks with dividends - taxes! This isn't correct or overstated. You shouldn't pick stock based on dividends either because it has a high dividend or because it has no dividend. The ideal thing in a taxable brokerage account is an index fund based ETF like VTI but even VTI does pay a dividend. So having a stock which pays some dividend isn't any different than VTI which also owns stocks having dividends which then get passed through. Now intentionally buying a high dividend stock/ETF/MF is dubious but in taxable account it means increased taxes on top of that dubiousness. >Don't buy mutual funds - taxes! Again this is overstated. For example VTSAX has identical tax efficiency to VTI. Even for non-vanguard funds the tax efficiency of broad market index based funds is generally very high. The advantages of ETF over MF may be only theoretical. You are talking all these general ideas on tax efficiency and turning them into rules. If you believe even one cent in dividends is a death blow financially well you can't buy any broad market passive index fund (ETF or MF).

bkweathe

A lot of people have claimed that TDFs are too conservative for a young investor. I disagree, though it does depend on the fund & the investor. Bonds account for very little of the difference in performance between an all-US-stock portfolio & many TDFs designed for young investors. Bonds have had little impact on the performance of these performance TDFs; it's mostly been the international stocks. Adding international stocks doesn't make a fund more conservative. Historically, US stocks & international stocks have taken turns outperforming each other. US stocks have dominated recently, but that tide could turn at any time. I'm most familiar with Vanguard's TDFs, so I'll use them as an example. I've never invested in one, but they're a great choice for a lot of investors who value convenience & are willing to pay a little bit for it. Vanguard TDFs start out with a 90/10 stock/bond allocation & stick with that for many years before starting to gradually shift more towards bonds twenty-five years before the target date. The difference in performance between a 90/10 portfolio & a 100/0 portfolio is usually pretty small, but the difference in risk is usually much larger. This makes it much easier for an investor to hold onto the TDF through a bear market instead of selling in a panic, a move that would cost much more than the performance difference. For a US-only portfolio, over the last 30+ years, the performance difference has been less than 0.4% CAGR. However, the risk (standard deviation) difference has been about 1.5%. (I expect longer time periods would show similar results.) 22 years into this comparison, the 90/10 portfolio was slightly ahead. Only the longest bull market in US history created much of a gap. Why then, you may ask, have funds like Vanguard Total Stock Market Fund (VTSAX & VTI) beaten Vanguard's TDFs by such a large margin recently? The answer is not bonds; it's international stocks. So, pick an all-US-stock portfolio (total market or S&P 500) over a TDF if you like. But please understand that the TDF is only slightly more conservative & has its own advantages. Of course, past performance is not an indicator of future results. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=1972&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=100&allocation1_2=90&allocation1_3=54&asset2=TotalBond&allocation2_2=10&allocation2_3=10&asset3=IntlStockMarket&allocation3_3=36&asset4=GlobalBond I didn't include international bonds in my analysis because their impact on the portfolio is small. Also, the comparison period would have been much shorter because some years of data are not available for international bonds.

helpwithsong2024

I personally detest Avantis funds (they're actively managed) so if you really wanted some small-cap value, I'd just use VTV. A much similar solution is just doing 80% VTSAX and 20% VTIAX in your Roth. VTSAX sill cover the whole market, so you get mid and small caps in there too. But yeah either way you're doing great man, keep it up.

xixi2

Same I don't know why I have mutual funds to begin with other than someone saying "VTSAX"... VTI is the same thing and I can actually control when I buy/sell it.

m_d_f_l_c

Stick it all in VTI or VTSAX and just live off the dividends/growth and hope for the best.  For sure do not gamble it away chasing more money. You got the money. Money most can only dream of. You need to shift from “accumulation” mindset to “preservation” mindset.  Even all stocks, like VTI (total stock market fund) many might say is too risky. But being young I think you’d be able/have time to ride out any ups and downs. If you are more conservative (doubtful, given the sub) you could even do a bond (or money market) and stock split to your preferred risk tolerance.  You have money. Your focus should be on living a happy life now, not on just making the most money. Unless that is what makes you truly happy. 

mistressbitcoin

If I have big crypto wins I usually rebalance into VTI/VTSAX or BRK.B, or something similar. They should do very well long term. I'm also hesitant about RE to be honest, but having a primary and renting out all the rooms helped me take the first step.

RJ5R

Why not just do Something easy like buy and hold VTSAX long term? Nothing to think about until you want to change glide path and add in bonds as you get older

sabedo

At this point the market's just off to Neverland just build a cash position and go for GLD/EUAD/VTSAX

RJ5R

You know what's even easier? Just doing 100% VTSAX and chill.

bula1brown

I have a $2500 minimum for VTSAX

BudgetMother3412

530K portfolio here -- mostly in VTSAX/VOO, buying 3-4K per month. No options, 5% single stocks

ChairmanMeow1986

Maybe some SCHD, VOO, VXUS, and VTSAX @ 20% to for exposure hedging agaist bonds. FXE, Swiss equivalent and GLD @ 10%.

missusamazing

My strategy is DCA $500 a month into VTSAX and leave it alone.

panda_bro

The fact that you're even asking these kinds of questions at your age puts you way ahead of 99.9% of people. Seriously impressive. Keep nurturing that curiosity — it will serve you incredibly well in building wealth over time. My two cents: you’re a little heavy on tech right now. That’s fine if you really believe in it, but just know there are times when tech can get hit hard. If I were in your shoes, I’d keep it super simple. I’d split between VTSAX and VTIAX to get broad exposure to both U.S. and international markets. Personally, I go 70% VTSAX and 30% VTIAX.

Dry-Drink

If I reach the point where WSBs actually thinks this is fake, I will have self-actualized to Maslow's top of the pyramid. As for the mutual funds, two are just boomer Vanguard index funds (VTSAX and VTIAX). My advisor wants me to "eat my vegetables" so to speak lmao. The other two are alternative, institutional funds, they're not even accessible with regular retail platforms, you need an advisor. My understanding is he had to do training with those fund companies, so they then gave him the permissions to buy it. He told me not to share them, that's why I black them out. Also if I did share them, I bet WSBs would say I did it just to pump my bags lololol. You mentioned event-driven: Funny coincidence, I don't have one for that but he told me he's got his eyes on a few and once he is convinced, he'll recommend. But nothin as of now.

neoexileee

I’m switching to VTWAX and chill as supposed to VTSAX

XB0XRecordThat

Good time to unload the rest of my VTSAX in my IRA.

majesticideas2

I have six figures in VTSAX. \*IF\* I were to predict the news media and Americans start talking about noticing emptying shelves in June/July, would I be correct to assume that stocks would be tanking at that time? I'm thinking of selling now to avoid the potential 25% tank.

AlarmingConsequence

I've been thinking about this for a while and I'm not sure I follow. What does the fact that the target date is a "fund of funds" created this vulnerability? If Vanguard suddenly offered a new share class of VTSAX (or VTI) with half the expense ratio it would turn out the same as it did for our Target Date funds: investor sell off VTSAX and fund managers have to raise cash to pay them by selling holdings, generating capital gains for those of us left behind. Perhaps I am missing something?

No-Maintenance5378

Do you mean VTSAX because didn't VTMSX get deprecated? Anyways I use VFIAX personally.

unsureMechanic

Lots of fear mongering and nonsense being spouted everywhere. When will everybody understand that “NOTHING EVER HAPPENS” Just a bunch of talking heads spewing regurgitated BS from all directions and both sides. Screw politics. This guy needs to go the easy way. 3 fund 45% VTSAX 45% SPY 10% VTEB Contribute monthly and move on. Turn off the news. Live your life. Go outside have fun. Quit panicking. Nothing ever happens. I’ve lived long enough and lived through soo many “crisis” that this panic is laughable.

AceTracer

Yeah, I wouldn’t know. VTIAX went up today 🙂 I’m glad I sold my VTSAX a while back.

Sad-Yogurtcloset-258

To keep it short and sweet, pay off your debts (~$15k), full fund a Roth IRA for 2025 ($7k), and then put the remaining $58k into an S&P 500 index fund or a total stock market index fund/ ETF. Examples would be VTSAX or VTI with Vanguard.

No-Maintenance5378

Down \~14% from ATH but still up \~11% over the past five years. 99% in VFIAX/VTSAX.

chris-rox

Coulda bought $VOO, $VTI, VTSAX, or $SPY.

Raddish3030

Lesson learned. Half to three quarters goes into VTSAX. The remainder can be divided into degenerate options, crypto, gold/silver, sports/video game gambling or OF.

Gliese_667_Cc

Stop fucking being a degenerate gambler. Why don’t you just hold cash for a while or VTSAX and chill.

VegetableJunkie

I think your target date fund is your best investment. It's more diversified than VTSAX, and decreases risk without decreasing expected returns. You may want to consider adding VXUS to VOO and VTSAX, in a ratio that you are comfortable with. The comment about possibly contributing to a HSA, after maxing out your 401k and Roth, is also a good idea.

UntitledMp7

You’ve built a strong 5–6 month cash cushion and your Vanguard Target Date 2065 fund keeps things diversified without extra work. Maxing your Roth IRA with VTSAX and dollar‑cost averaging into VOO is a smart, low‑effort move, and over time adding a bit of international or bond exposure can help smooth out volatility. If you can, push your 401(k) contributions toward the annual limit to lower your taxable income, and consider an HSA for its triple tax benefits.

Soulofmine7

Thank you!! As I understand $7k is max for Roth or are there some other options? Also do you think VTSAX is a good investment?

lance_klusener

DCA every month in VTSAX

Meaningless_Mussings

VOO or VTSAX. Let it ride, you're only 40. Dump the adivsor.

RoboticGreg

That's what I'm doing. I'm not retiring for 10 years, I left everything in VTSAX and still pouring more in. Happy to buy more now when it's cheap!

loganedwards

Sure, do exactly this: 170k split into these three categories: 60% - VTI / VTSAX 20% - VXUS / VTIAX 20% - BND / VBTLX Set it and walk away, don't look for at least a year. Continue to contribute with the same 60/20/20 split when you have available funds. 5-7% returns most years. Stop gambling.

SellMeYourBlueberry

Maybe a little, my friend irl is a an investor so I wanted to buy good stuff and share it with him, but there was so much debate even from him which etf is the best so I just got a lil of all of it during that crash. Going forward I’ll stick to one. And I will look up and read about VTSAX! Thanks

4My2Boys

This was my first week following this sub and it was epic. I’m an admitted long term investor that put a bunch of money into VTSAX last Friday and given the volatility stumbled upon this group. The best part of you all is that you’re degenerates but you OWN IT. You don’t get mad when people call you out, you just laugh and move on to the next stupid roll of the dice in this insane market. Kudos. So many other subs are filled with defensive, know it all, patronizing assholes. That never happened once in any of my posts. This place is beyond refreshing. Carry on bols, bers and regards.

TeachShort3

So you bought a bunch of stuff to tell your friends you are an investor? Sell it all, and buy VTSAX or similar and chill.

TeachShort3

VTSAX, you pussy. Just bought in with 5 figurers while you weirdos are debating the Ukraine or China flag as your profile pic.

TeachShort3

VTSAX, you pussy.