VTSAX

McKnuckle_Brewery

Nobody charges for VT, including Fidelity. It's an ETF. VTSAX, a mutual fund, that's another story.

khearan

VTSAX and VTIAX and chill, dude. My family has been poor as shit for as long as I can remember and I am knocking on the door of never completely drawing down my investments with a very comfortable standard of living. Sure, I’m not getting lucky investing early in something like Google or Apple, but a diversified fund that tracks S&P with very diligent and disciplined saving can change a family’s future.

nick898

My brokerage has a mix of VTIAX and VTSAX. I’m not selling anything I previously bought, but I am buying more VTIAX than VTSAX every purchase order going forward so I can build up my position there

Janus67

So you mean VTSAX/VTIAX (US and EX-US)? VTSAX (US)+VTWAX (whole world) is basically VTSAX+ (VTSAX+VTIAX) You could consolidate the entire thing to VTWAX to get both.

GaylrdFocker

>70/30 VTSAX/VTWAX new Nasdaq rules They don't really affect you at all. You are well diversified and shouldn't worry about the new rules

postpartum-blues

thanks, I'm currently 70/30 VTSAX/VTWAX.

WeAre0N3

you need to get off of this subreddit and find a different one. VT, VTI, or VTSAX set it and forget it my guy

thisisredditsparta

Well if you are like me, and I did this 12 years ago, simple 4 fund portfolio. 25% to VTIAX and 25% to VTSAX, guess which one ballooned 3x and which one only started to make some gains in the last year.

GaylrdFocker

What are they recommending? You have everything in equities, the BlackRock index is basically an S&P 500 fund that is way more expensive, and the MFS fund is an expensive growth fund. You should probably just sell everything except the Vanguard Intl and move the rest into VTI/VTSAX which is the Total US Market.

Pop-Consistent

Max 401k,, VTSAX, time.

Fun-Personality-8008

A thousand bucks going into VTSAX every Friday just like the last 15 years

GailaMonster

> VTSAX contains the entire Nasdaq100, but I appreciate your point that it indexes so much more as to smooth out my exposure.

GailaMonster

VTSAX contains the entire Nasdaq100, but I appreciate your point that it indexes so much more as to smooth out my exposure. thanks.

SilentHuntah

Don't IPO'd companies get included right away regardless in indexes like VTI/VTSAX?

SirGlass

This isn't going to affect VTSAX , VTSAX does not follow the nasdaq 100 index, it follows the CRSP US Total Market Index. I really doubt the CRSP indexes will change their rules

GailaMonster

This is exactly what I have been uncomfortable about since hearing it, and absolutely makes me want to pause investing into indices until the wealthy market manipulators have finished fucking over the little guy to exit their positions. This reminds me of when banks started changing lending requirements to find more people to take mortgages, because they had literally run out of low-risk borrowers. It screams “this would go terribly/wouldn’t happen at all unless we relax the rules!!” Then that outcome is exactly WHY those rules existed in the first place. I don’t want to be forced to buy at inflated IPO prices. The apparent solution for me is to pull way back on buying my typical VTSAX when the ipo happens, and find someplace less reckless to put my money while these rules work try the market.

NuclearKnives

Yes.... It's literally on sale....  VTSAX AND CHILL

retirement_savings

For reference, I've been 65/35 VTSAX/VXUS since I started investing. But I didn't make that decision based on one year of data. If US starts outperforming again, are you going to sell your international stock?

collegeberry

Sucks my net worth is going down on paper (had a certain number in mind soon) but still happy to buy at a discount. Im purchasing the target retirement fund for my age group for work 401k and VTSAX for Roth/everything else every paycheck. 

Pale_Drink4455

Space stocks like RKLB and LUNR, PL, NBIS, APLD, etc all can be absolute big home runs by 2030. In my opinion, I think Google doubles up or more by then too. Do your own research for sure on how to proceed based on your risk tolerance, etc. I though you don’t prefer funds but nothing wrong doing it the boring way in VOO, VTI, VTSAX that the majority do over individual stock picks.

GailaMonster

I'm currently just buying VTSAX every pay period with my 401k contribution, because i'm busy and somewhat risk averse. what exactly is my exposure to the new Nasdaq rules fast-tracking IPOs into the index?

GailaMonster

I don't want to time the market, but I don't want to buy spacex at a ridiculous pumped price. I don't want my 401k to function as a bailout for a billionaire who overpaid for a company because he lacks a filter on the internet. I am a very boring investor largely because i don't know enough not to screw something up- currently just dumping the max 401k contribution into VTSAX, paying down my ~6% mortgage aggressively with anything leftover, winding down a treasury ladder from when those rates were higher, etc. VERY boring, VERY hands-off. I'm considering pausing my 401k contributions shortly before IPO and just hammering down my mortgage for a few months, then re-entering later in the year after musk exits his positions. My employer does profit sharing salary pro rata, so doing this won't affect employer contributions). I know that is timing the market. but I think "don't try to time the market" breaks down when you have open market manipulation by government leaders and the Nasdaq changing its rules to allow a piss-baby billionaire to exit his positions at our collective expense. I'm not sure how to "not time" a market that's abandoning rules for MY protection, that is being yanked around openly by the executive branch. am I really missing out on prosperity by wanting no part of this? I got a kid over here, i'm just trying to work and save enough to give her a stable launch into adulthood and not burden her in my old age.

gunslinger_006

If you dont invest, the alternative is a high yield savings account. That will do *maybe* 5% at best. That wont beat real inflation. That means your money is shrinking. Have an emergency fund first. After that, you need to decide your risk tolerance. If you want low risk but higher yield than a hysa (4-5%) or a 2 year bond (4.5%)…then something like VTSAX is probably worth considering.

A_Crafty_Platypus

I'm a 35M, and my total Vanguard overall investment portfolio currently sits quite equity-heavy with 76% in VTSAX, 17% in VTIAX, both in my taxable brokerage, and the remaining 7% in my 401K, invested in C975 Fidelity 500 Index Fund. This leaves me 100% in equities, with the US performance skewing my initial 70-30 approach I set a few years ago. I've currently turned off DRIP in my account, and am planning on using dividend dispersal from my accounts to fund slow diversification into VTAPX and possibly VBTLX with the intent to protect purchasing power, reduce early-retirement failure risk, and provide flexibility during market downturns. Does this sound like a good plan moving forward?

Accurate-Flow8078

My 401k is 100% in VTSAX. Should I switch to VT or is it too late?

No-Needleworker5429

“Just bought $7,000 of VTSAX 💀” was my Reddit comment on April 7th of last year.

mallampapi_iv

That’s my take now. My 401k is DCAing the S&P, HSA into VTSAX, and Roths got funded before Iran 🙄 All my “brokerage” excess funds are going to pay off vehicles, student loans, and extra mortgage payments. Stonks aren’t just going up anymore. I wanted liquid investments for peace of mind but now that they’re going down in value, I’ll take my guaranteed 3-7% return via interest reduction, and reduced fixed monthly expenses without car/SL payments

iphemeral

VTSAX?

Sirgolfs

VTSAX?

AutisticElon69

Buy VTSAX or VOO , dca and chill

interstellara_

i'm not an old timer but i'll tell you this, we're in a K-shaped economy and at this point, the difference between the bottom and the top of the K is an easy question: who owns stock? Who has a 401K/IRA and will be able to retire someday? With inflation like it is, what other investment is going to come close to chancing beating inflation? so i keep auto investments set to VTSAX/VTIAX to DCA, but might adjust the allocation based on geopolitics. I still do backdoor roth IRA contributions and put 60-70% in a target date fund and 30-40% in an index fund that matches vibes each year and readjust yearly. 401k is target date. you only take a loss when you sell, and if you buy ETFs/index funds, maybe you don't have to take that loss. know what you're buying.

Kinnins0n

I worked in Big tech. I knew I was supposed to sell my RSUs at each vest but after a while when you see your company stock consistently blowing past the S&P500 you do end up keeping some. I don’t have the precise math but the Mag7 companies I worked at just did incredibly well between 2017 and 2025. As of 2024 I’ve started massively selling to diversify into VTSAX/VTIAX and got the timing right on that for the most part (for instance I sold a lot of AAPL before it mostly stalled and bought VTIAX mostly before it blew up last year). This cost me an arm and a leg in capital gains tax but I’m still way ahead. tl;dr: was reckless with tech stocks. it paid off, but it wasn’t because of some sort of insight or savviness on my part. Don’t do this at home.

ZolaThaGod

I threw $5k into VTSAX today. I know, riveting.

NativePlant870

They only invest in VTSAX and never sell

No-Needleworker5429

I bought $7,000 of VTSAX on April 7th last year. That was the time tariffs were introduced and everyone was fearful.

TheDunk67

VTSAX, VT, any similar low cost broad index fund. Everything is on sale, good for anyone still accumulating and anyone at or near retirement should be on a bond glideslope or be flexible enough to ride out any volatility.

LateralEntry

Dude. Stop. This isn’t working out for you, work a boring job and contribute to a 401k invested in VTSAX

Popeholden

VTSAX

codyism

This is the answer. But I am a VTSAX +VTIAX man myself because I like mutual funds and the ability to purchase them on auto buy. (These are the mutual fund version of the listed ETFs that are recommended).

Djamalfna

I put in my normal monthly VTSAX+VTIAX order on Sunday (it's the 1st), thinking "oh boy I'll catch a really low price since the market will crash on Monday!" No crash. Almost no change. The crash was on Tuesday. D'oh. Oh well. This is why I don't time the market.

LogicalMight

I live in the United States, I am between 40-50 years old and work for myself. I have money that's just sitting in an interest bearing account and have no current debts besides a car payment. I told myself this year that I want to start investing in the markets but honestly, I am scared because I run my own business and business is not all that great. This year, I am also expanding the business so part of my investment will be in the business itself by purchasing new products to resell on Amazon but I want the other half to be directly into the market. If you were in my situation, would you dollar cost average your way into the S&P / VTSAX fund or go all in? If there are other suggestions, please feel free to suggest. Thank you

dupugu-gupudu

I want to preface this by saying that this is a personal decision and may not apply to everyone. I plan to buy a house, but I don’t have a specific timeline—maybe in five years, maybe ten. In the meantime, I’ve been investing the money in VTSAX. When the time comes to buy, I’ll simply sell the funds. I take the same approach with other future goals as well. Essentially, it’s one large pool of invested money for things I know I’ll want eventually, even if I don’t have a defined timeline for them yet. I'm also very flexible. If the market tanks, I don't mind waiting longer until the right time comes. Are you flexible with your timeline? If so, this might work for you.

kidfrumcleveland

How about 10-20% in international funds like VTSAX? Slowly investing in gold might not be a bad idea either considering who is in office. I like IAUM, and FGDL as gold ETFs.

username111888777

If US keeps getting worse, I guess we should keep reducing US stocks?(VTSAX) . each time by like 3 to 5% or something.......but which news/events should I keep reducing every month/quarter/news cycle

username111888777

If US kept getting worse, I guess we should keep reducing US stocks?(VTSAX) . each time by like 3 to 5% or something.......but which news/events should I keep reducing every month/quarter/news cycle

ganztief

VTSAX

Pale_Drink4455

Put it in a brokerage in a low cost S&P ETF such as VT, VTI, VOO, VTSAX etc and let it grow.

SpotlessCheetah

Not sure why you have VXUS and VTIAX, either have VTIAX only or have VXUS and VTSAX. I have the latter two.

oldschoolczar

I’m 100% VXUS/VTIAX right now. I had to liquidate funds for down payment on a house and sold 100% VTSAX. Hopefully by the time I sell and get cash in a few months the IS market will have tanked and I can get back in at a nice price. But I may be more like 40/60 US-Intl whereas I was the opposite before. I’m only inadvertently timing the market here.

Ok_Valuable1572

VTSAX

Cruian

Vanguard's VTI at 0.03% or VTSAX at 0.04% are higher than Fidelity's FSKAX at 0.015% or FZROX at 0.00%. Same story with VOO/VFIAX vs FXAIX.

Affectionate-Run7425

I wouldn't touch it. Put it in VTI, VT, or VTSAX if you want international, and forget about it. Live your life as you otherwise would until you're 35 and see where you're at. Seriously forgetting about this is the best thing you can do so that it can grow.

elvispoem

Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: -Combine my IRAs into one IRA account on Fidelity -Convert to back door -Still contribute for 2026 -Open up taxable brokerage Open questions: 1. ⁠What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. ⁠For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!

elvispoem

Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: \-Combine my IRAs into one IRA account on Fidelity \-Convert to back door \-Still contribute for 2026 \-Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!

zxn11

Move it all into a target date fund and don't touch it other than to add money until you're ready for retirement. Or move it all into VTSAX and don't touch it until you need to buy a house.

gregsatin162

Dude the struggle is real, good on you for saving and investing in the first place, rather than spend on restaurants, toys, drugs, etc.  You can recover from this. Keep saving and there’s no shame in starting over — but better. Incredibly *INCREDIBLY* few people can actually beat the market index if they keep betting repeatedly. If you had just put that $$$ in an index like VTSAX, you’d be making like 10k+ a year on average TO START with. And then it’d be compounding and growing further. Look up JL Collins stock marker blog series. And MrMoneyMoustache blog the shockingly simple math of early retirement.  And good luck my friend. It’s a hard lesson but if you take it in stride your dream of retiring ASAP is still in reach.

mtron32

It takes so much time to build up to 100k that I couldn’t imagine just gaming on that shit. VTSAX all day.

A_Crafty_Platypus

I'm a 35M, and my total Vanguard overall investment portfolio currently sits quite equity-heavy: \-76% in VTSAX \-17% in VTIAX, both in my taxable brokerage \-the remaining 7% in my 401K, invested in C975 Fidelity 500 Index Fund So roughly 100% in equities, with the US performance skewing my initial 80-20 approach I set 4 years ago. I'm looking to start slowly using my quarterly dividend yield to branch into VTAPX and maybe some VBTLX depending.

MrAuzzy

It's 100% VTSAX

Lynch12K

Depends on your goals. If you're "starting" to invest and your goals are long-term saving as you mentioned.. VOO/VUG/VTI/VTSAX/SPY (Index/mutual funds) might be better long-term investments for you. Shorter term, i dont think there is anything better than looking at AI companies like Palantir, Nvidia, etc.. Broadcom, Crowdstrike and few others have been up and down recently but you get the idea.

owenmills04

A buddy told me I should be trading stocks in my Roth IRA, since it's growth is tax free. I went in big on ADBE mid last year at about $400, on his rec. When that went bad I moved to META around $750 only this time put it all in. Exited that around $600 and just put it back into VTSAX

MrAuzzy

I will probably never do international. VTIAX only returned 5.6% in the last 5 years vs VTSAX returned 12.6% in the last 5 years. Not even close....

MusingsAndMind

VTSAX and NOT very relaxed.

jvolkman

But get VTI instead (the ETF equivalent of VTSAX), because it's easier to port between brokerages.

HappyCaterpillar2409

If you're really a long-term investor then put everything you have into VTSAX. You will beat every investor on Wall Street over the next 20 years.

Kinda_Quixotic

Yeah, I’ve invested in VTSAX, so there have been gains. But there is the very real counterfactual of seeing colleagues who are completely indifferent to investing making huge returns because they didn’t think about diversifying. I’m trying to think of it as a stochastic poker like game - the best you can do is play the rational strategy, which generally works best over longer horizons.

RevolutionaryGate742

People keep mentioning free float. But thats not why you shouldn't be worried. Index inclusion isn't instant. S&P 500 requires 12+ months of being public and positive earnings, and even total market funds like VTSAX have seasoning periods. Vanguard isn't dumping 3% of your money into SpaceX on day one. Also, targeting a valuation and getting it are very different things. Ask WeWork how that went. And even if they do hit those numbers, one overpriced stock in a $50T+ market isn't going to wreck your portfolio. That's literally the whole point of indexing.

MusingsAndMind

me before wsb "Put in as much as I can into a Roth IRA and 401k, stick to a safe index fund, and enjoy slow growth that compounds more with each year! :)" me after wsb "VTSAX is doing a classic dead cat bounce and the top is undoubtedly in. Best to exit all markets or short if possible. The S&P 500 is going straight to zero."

ExiledSpaceman

VTSAX, NOC, [SAAB-B.ST](http://SAAB-B.ST)

MondayNightRawr

It’s called, “VTSAX and relax” for a reason

MusingsAndMind

been too much of a silly billy with my money (losing) so i'm just going to VTSAX and relax a bit until I build up enough to risk more

justicebiever

Nothing outside of blue chips. I simply don’t like to speculate any more so I mostly throw into a fund (my fav is VTSAX). If I had to pick within blue chips I’ve always liked Microsoft and Google. If I live to see Nuclear Fusion plants then there’s a very good chance Microsoft or google directly funded it. Tesla and Apple do not excite me.

cleanshavencaveman

Move $5mil into VTSAX at vanguard for ongoing income. At a modest 4% year gain and 4% withdrawal rate that’s $200k/year in your pocket to live off of. Sell the rest and pocket the cash. Buy a house. Buy some other houses to rent. Hire a therapist to help you sort your life out. Focus on your goals. You can retire at 30. Having 25mil in your pocket id you’d be able to find something you care about to pour your energy into.

rarebeauty89

Yes, I think you are exactly right because I deposited the $7,500 in smaller increments over the course of a few days and I only invested in VTSAX after I deposited the maximum. I’m assuming the dividends will automatically reinvest (I don’t think I was given an option when I opened the account), but I will double check.

kiwimancy

Probably you deposited the cash and left it for a couple days before buying VTSAX. It was swept to a money market fund and paid interest. Yes you can reinvest it into VTSAX. VTSAX does pay dividends quarterly, but that last happened in December. They are probably already set to automatically reinvest, so you won't need to reinvest manually next March.

rarebeauty89

For 2026, I just opened a Roth IRA with Vanguard. I deposited $7,500 and invested in VTSAX. I now have $2.19 in interest in my account. I didn’t do a backdoor Roth, roll over the Roth IRA funds for previous years from my other brokerage account, or anything else out of the ordinary. Sorry if this is a dumb question, but does anyone know where this small amount of interest came from? Can I just reinvest it into VTSAX within my Roth IRA? Is this a one time thing or will I have to manually reinvest these small amounts of interest periodically?

Frack_Off

My strategy for 2026 is to not change my investment strategy. Save 25% of my gross salary via automated weekly transfers including HYSA and money market deposits for growing my emergency and sinking funds, then mutual fund purchases targeting a 60/40 split of VTSAX and VTIAX (or their nearest equivalents) for retirement savings - maxing my HSA, and Roth IRA while capturing all potential employer contributions to my 401k and ESOP.

ogbrien

Two things can be true at once. Personally, I think AI is a bubble, yet I still buy VTSAX. I value the simplicity of indexing and I don't delude myself into thinking I'm the statistical outlier who can beat the market. That being said, if you put a gun to my head and told me to hedge against AI hype, lump-sum buying an index dominated by those exact AI companies is objectively the wrong move. Timing and sizing of purchases and time of sell contextually matters a lot at the current market if you're optimizing for reducing overvalued AI exposure. You can't hedge a sector by buying the fund that is most heavily weighted in it

ogbrien

Sell it and buy VTSAX or SPY and thank me in 20 years. You can't stomach a 1000 dollar all in loss on a singular stock? Small price to pay to learn the lesson that you're not a stock picker with the rest of the 95 percent of the traders that cant beat SPY.

Positive-Tax-5488

i bought from VTSAX today and opened a position on QQQI and SPYI

helloworldalien

Lol me peaking outside my boring VOO VTSAX and assorted etf hole after buying intel calls on Friday and selling this morning cause I had some extra cash.  Yeesh. Looks like time to buy more VOO!!!

A_Crafty_Platypus

VTSAX/VTIAX and relax. No need to complicate a good thing.

dmiller224

Sell and put it into VTSAX

SpiritCollector

I don’t like 529’s either. Open a brokerage account in their name (you will be on it too) and contribute to that. Buy something easy like VTSAX.

BeYourBestYou

ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets. 

Kinda_Quixotic

Also, I just saw your age. FWIW - If I could go back to being 20 yrs old, I’d (1) max out 401k asap; and (2) open a Vanguard account and buy VTSAX every month. IMO gold does have a place. I like knowing I have 5-10% there, but it shouldn’t be your primary investment. *Bonus for a Mega Backdoor Roth if your employer plan has it

No-Needleworker5429

VTSAX

FossilizedUsername

Probably nobody told you this but there is this fund call VTSAX that actually has positive expected value. It's up almost 70% over the time period you posted! Crazy to think about what could have been!

trutheality

"Shares", "longer dated options", how boring. You may as well just sit in VTSAX. Where are the 0DTEs? Where are the **bets**?

MAFL55

So your plan is to gamble the money that you want to use for a down payment on a house in the stock market? Madness. If you’re looking to put money that you plan on using for a down payment on a house into something to potentially make money on, put it in a total stock market mutual fund that is your safest play. It should get you 10 to 20% a year. VTSAX would be my play.

Cruian

>also FZROX I believe will sample the index, not buy every single company , This is common to other US total market funds as well. The other day I found it on VTI/VTSAX 's prospectus for example, I'd fully expect to see the same in FSKAX's.

harrison_wintergreen

>-would it lessen chance of getting financial aid or loans? (I likely won’t qualify for aid) best case scenario is avoiding college debt entirely, through 529, grants, scholarships and tuition assistance from work. >-worse possible investment options than the market? I'm in Utah which has one of the better 529 plans nationally, and you can buy the entire market with VTSAX or an equivalent. >money tied up/lost if kid doesn’t go to college? this is a fair point to evaluate. as your kids get older you can honestly evaluate their personality and possible career track an adjust the 529 plan accordingly. someone who wants to do a 12 month trades certification will have different needs than a pre-med student.

Psychological_List81

Thanks for the input I don’t have VTSAX, I got VXUS and VNQI. The partial shares sucks because most all what investors have partial shares

BiggestMack01

Honestly, no. Vanguard is REALLY annoying and it took me weeks because the support is so shitty. First you have to call them to transfer your VTSAX shares into VTI, and you need to make it an exact share value (no partial shares), then you can tell them you’d like to start a full account ACAT transfer.

BiggestMack01

If you do decide to do it, make sure to utilize vanguards transfer function where you can transfer all VTSAX funds into VTI without selling them or losing any money

pr1ncejeffie

Hi all — I’m looking for guidance on setting up long-term investing for my kids (ages 11 and 9). I already have 529s for college, but I’d like to start a separate “retirement-style” pot for each of them — something that can compound for decades and eventually be handed off to them later in life. I’m in the U.S. My priorities are: * Tax-efficient (not heavily taxed along the way, if possible) * Low fees / low commissions * Simple, long-term growth approach * Ability to contribute monthly for the next \~20 years (until I retire), subject to any annual caps/limits depending on account type * Ideally something I can later transfer to them when they’re older (or that becomes theirs at the right time) My current brokerage relationships are with **TIAA (employee) and Vanguard**. Investment approach: I have a **high risk tolerance** since the time horizon is 20+ years, and I’m leaning toward a low-cost broad U.S. index fund (S&P 500 or total market). What do you think of these options, or would you recommend something else? * Vanguard Total Stock Market Index Fund (**VTSAX / VTI**) * Fidelity 500 Index Fund (**FXAIX**) * Schwab S&P 500 Index Fund (**SWPPX**) Also: for the account structure itself, what’s the best route here — custodial taxable account (UGMA/UTMA), Roth IRA (if/when they have earned income), or something else? Thanks in advance for any suggestions.

HumbleSupernova

That's the only account that is 100% VTSAX and that's where it's going to stay lol.

ImOnlyCakeOnceAYear

Haven't checked in in a while....I am 100% VTSAX. Has this fallen out of favor?

ParticularInitial147

#metoo VTSAX and chill. Well, also a dab of VTIAX, and some FXAIX in a 491K. Maybe some TSP C and I Funds. But mostly VTSAX and chill.

MusingsAndMind

puts on VTSAX