VTSAX

Improvcommodore

Same! VTIAX up 61% since I started buying it late 2022, and VTSAX…you know

burner70

This is an old rollover IRA from a previous job, was sick of watching it hover around 16k-17k for the previous 3 years mostly VTSAX. Not contributing to it at all. Watched & bought in the 20's down to 6, Karp's hair was getting crazier, they got IL6, every good news/contract the stock would drop, new govt contracts, no debt/cash. Holding until 384 or until I turn 60 (in 5 years), whichever comes first.

crywhenugetolder

VTSAX & Chill 😎

burner70

2007 x shares PLTR CB $11, 1 x MSFT, 35 x VTSAX, 119 x SOFI, 10x ARKK

modestirish

All I did was buy more VTSAX and VTIAX 😎

davidgoldstein2023

I just park my money in VTSAX and hang out here to watch moron lose millions lol

hb9nbb

so the key here is look at the top 10 holdings in he fund. they're the same top 10 that are in MOST funds right now. Which means you shouldn;'t be paying both a financilal advisor and 0.75% to own that fund. You could buy a Vanguard fund in any brokerage account and get very similar performance. For instance, VTSAX has a 0.04% expense ratio. (theres a bunch of similar vanguard funds, VTSAX is just one ive used)

RabidBlackSquirrel

I keep a simple workflow, mostly on autopilot. In order: * Emergency fund, cash in savings. Whatever amount you're comfortable with. * 401k to max match * Max HSA (if you have it) * Max Roth IRA * Max 401k * Other tax advantaged accounts you might have access to * All leftover cash at end of month to taxable brokerage (VTSAX) Only manual action is that last one. I keep my emergency fund cash in savings, it's easier to access and is immaterial in the grand scheme of things. Convenient access to that money is more important than squeezing an extra percent out of it.

luvlyjennibee

I was looking into the Roth IRA thing, so I'm glad to hear it come up as a suggestion. Means I'm not completely lost haha I will look into the VTSAX thing ASAP! Thank you for your help, and have a great holiday season!!

Imaginary_Hotel7606

Good on you for starting this early, most people don't think about investing until they're way older. With your risk tolerance I'd probably look into a simple 3-fund portfolio or just throw most of it into something like VTSAX and call it a day Since you're already crushing the savings game, maybe open a Roth IRA if you haven't already - that tax-free growth is gonna be huge over the next 40 years

Constant_Counter_595

This is solid advice OP. You're already doing decent with the tech picks but honestly throwing it all into something like VTI or VTSAX and forgetting about it is probably gonna beat whatever stock picking you're doing. The math is pretty brutal - like 80% of active fund managers can't even beat the market long term and they do this for a living That $250/month into individual stocks could probably just go into more index funds unless you really enjoy the research part

Bagman220

VTSAX and relax

FINomad

I've been holding the old people version of VTI (VTSAX, and VTSMX before that) since the early 2000s. It's what allowed me to retire at 35. I'm now 43 and keep three years of expenses in cash and the rest in VTSAX. Investing really is that easy. It's amazing how complicated people make it (including my younger self).

MaybeOnFire2025

I'm VTSAX, same church different pew.

rootstwo

Back in 2020 I rolled a 403b account and dumped it all into VTSAX (purchase price was $53 a share). Never touched it, still don’t plan on touching it… it’s sitting at $1.1mil today. Not a bad return in under 6yrs.

balljoint

Your post isn't helping, you're screaming about Inflation when the damage has already been done and has been priced in for a long time. Current inflation is 2.6% and has stayed around there for some time without the predictions of the doom sayers coming true. Or are you one of those people that says "the prices now aren't back to 2019 pre-Covid prices therefore inflation inflation inflation!!!". In that case the only thing that can fix prices would be a massive recession where we do nothing about it while creating massive deflation. This would do far more damage then 2008 and cause a depression that we woud have to self inflict until the Subway footlong was back down to $5. Problem is that every Subway would be out of business before your Five dollar Footlong reality kicked back in. I'm so sick and tired of this. Just buy VTSAX, VOO, SPY, and hold... that's it, you'd even be out performing Gold if you did that since 2020. You also wouldn't be shitting yourself every night waiting for the inevitable Gold bubble to pop. VTSAX and chill is what we used to say and back tested to 2020 has performed damn well! For the inevitable "BUT Erma Gerd Ma Inflations is still bad touch in the hoo hoo fun place" people. If a forest catches on fire and half of it burns down before you can put the fire out then you cannot be mad tht it's going to take a while for the Trees to grow back. That's our economy right now, the fire has been out since the Biden administration and we have been trying to do everything to promote growth, but no matter what we do it still takes time for tree's (the economy) to grow and fix itself. Also, odds are the forest isn't going to look the same as before it caught on fire, it could be for the better or worse, but we currently don't know. I hope that helps. Now VTSAX (or do ETF's VOO, SPY) and chill. Go read The Simple Path to Wealth: Your road map to financial independence and a rich, free life by JL Collins. You'll find this game is more psychological then anything else, but if you stick to the plan you'll win. It's what I used to FIRE and won't leave you a nervous insane wreck checking the markets at every moment. Toodles

anonUSAFguy

This is what I do. The only difference is I use VTSAX instead of VTI

___Art_Vandelay___

It doesn't really matter much, mostly all the same. Lots of people go with VOO or whatever their specific broker offers. We have Roth IRAs and a brokerage account with Vanguard, I went with VTSAX.

Awooga546

I own 3 right now in my regular brokerage account, all penny stocks. My long term retirement accounts are VTSAX, age targeted fund, and currently hedging the Russel market with RWM.

shmere4

I haven’t looked in a month but VTSAX was +19%

sharp1988

VTSAX and chill

Artistic-Western6342

Superior Diversification: VTSAX tracks the entire U.S. stock market, investing in large, mid, small, and even micro-cap stocks, representing approximately 100% of the investable U.S. market. This offers broader market exposure and reduces reliance on any single market segment. VLCAX, while diversified, focuses only on large-capitalization stocks, comprising roughly the top 85% of the U.S. market. Marginally Lower Fee: VTSAX has an expense ratio of 0.04%, slightly lower than VLCAX's 0.05%. While this 0.01% difference is minimal and won't significantly impact returns over 15+ years, it still means VTSAX is technically cheaper. Long-Term Strategy: For a truly "set it and forget it" strategy over 15 years, capturing the performance of the entire market provides more comprehensive growth potential and better hedges against specific sector or cap-size underperformance. In essence, VTSAX gives you the broadest exposure to the U.S. equity market at an ultra-low cost, making it an excellent foundation for a long-term retirement portfolio.

arcanition

VTSAX would be a much better, diversified option.

oberwolfach

1 basis point in expenses is inconsequential. I’d prefer VTSAX since it tries to cover the entire market, including small companies, and I don’t have an opinion on large vs small cap performance. However, the difference will be minor since the large caps in VLCAX are the vast majority of VTSAX’s weighting.

Hairy-Most-4274

i know basically nothing ab investing and am just sitting on money i've been saving from working since i was 16 (im 18), im going out of the country for a while and while i do that i dont want my usd just sitting in a bank account losing value so i chalked up a portfolio just as an idea, does anyone have any revisions or comments? i dont see myself needing to take anything out bc this is seperate from emergency fund, except for in around 3-4 years for a major surgery insurance doesnt cover but hopefully i wouldnt drain all of that and thats kind of askew from my main point now. 30 VTSAX or s&p 500 23.5 VTSAX or s&p 500 23.5 Dow jones industrial average 10 Gold  8 VNQ 5 Silver

HSuke

"VTI/VTSAX and Chill" is the reason I sat through all of the 2010s and 2020 without selling. The decision to not to anything special was my most profitable decision.

HappilyDisengaged

Looks great. I’d check out the boglehead strategy. Better off with just 2 funds: VTSAX, VTIAX….nothing wrong with qqq, but keep in mind vtsax is tilted tech at the moment Simple is better when it comes to index fund investing.

Wassailing_Wombat

VTSAX and chill

Easy-Yogurt4939

1. **QQQ:** \~10.05% CAGR. 2. **VOO (SPY Proxy):** \~8.76% CAGR. 3. **VTI (VTSAX Proxy):** \~8.85% CAGR. this is the annualized return for the past 25 years. Again, you are fixated on finding a shorter time range that comes after a once a lifetime event for your argument. You outperform QQQ the decade after one of the worst crashes in stock market history then you eventually get outperformed after another 15 years. Granted we all have decades ahead of us, but number and return talk, and they are saying QQQ is the winner.

commensense-engineer

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

ResponsibleSpell394

Thats just your algo bro. Find Jesus and VTSAX

-ayli-

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

___Art_Vandelay___

VTSAX and chill. Keep holding my lingering, long-ago vested BKNG shares for another year only selling if tax loss harvesting is in play due to my current company's share price plummeting since vesting.

WackyBeachJustice

I'm OK with market returns which is why I VTSAX and chill

LateralEntry

Losing 20lbs and spending more time with my kids. Financially, best performing investment was the VTSAX that I ignored

HL3HopiumOverdose

Basically, they have some money, right? And instead of just using that money to invest, they are borrowing money (leverage) to use that in combination with their own money to invest in a diversified portfolio of stocks, specifically ETF's and mutual funds. An ETF is a collection of investments like stocks or bonds. A mutual fund is when a group of investors pool money together and a fund manager takes care of it. The manager either buys a lot of diversified stocks (actively managed) or the fund just mirrors an index like the S&P 500 (passively managed). Every person owns a tiny piece of the money in the pile. Using leverage is a double-edged sword because if the market goes up, the money pile grows fast. If the market goes down, it shrinks fast. The measure of how amplified that difference is, is called volatility. High volatility means stocks shrink or grow fast, low volatility means its much more moderated. A leveraged position becomes more volatile because the more money you put in a stock, the more of your own money is put at risk. Let's say you put $10k on an ETF like QQQ (tech), half of your money being leveraged (borrowed money). That is 2x leverage. This means if the market dips 10%, the amount you lose is 2x that because your equity (the money you truly own, subtracting what you owe) absorbs that impact instead of the money you borrowed. So instead of you losing $500 on your equity, you lose $1k. When you leverage money, the broker you leverage money from will require a maintenance margin, which means your equity must always be at a certain percentage of total assets. If you go below this percentage, the broker will issue a margin call which forces you to deposit cash to meet the minimum or sell assets to reduce the loan. If you cannot do this, the broker sells your investments automatically. When you have a leveraged position, every loss you take is felt by your equity, which means you are much more likely to be issued margin calls. The equity itself is put at risk which means you're basically gambling your money for a stock position to go up when your leverage is as high as 3.2x (the leverage we're seeing in the post), even if the portfolio is diversified. EDV is interest-rate sensitive which means that the value of EDV becomes volatile when interest rates change. This is dependent on if the Fed (the federal reserve) fears economic recession or inflation. If they fear economic recession, they cut the interest rates, which offsets losses and allows some breathing room if there's a sharp economic downturn. But if they fear inflation, they raise rates, which amplify losses. Since EDV holds long-term bonds (25-30 years), they are really sensitive to interest rate changes, because the interest rates and bond prices move in opposite directions. The duration of bonds has a big effect on how volatile it is. EDV is a good investment when inflation and interest rates by extent is stable, but a horrible one when it's not. VFMF is designed to reduce swings by holding less volatile stocks. It's still doesn't eliminate risk because it can still face market-wide crashes. With a 3.2x leveraged position, this reduction in risk is mostly negated. VTIAX is an international stock fund, which means its exposed to foreign economies, currencies, and political risks. This means any exchange rate swing can amplify your gains or losses. This is less correlated with U.S. stocks, but it can still drastically fall in global recessions. VOO tracks large-cap American companies. It's pretty ordinary. VTI and VTSAX covers all American stocks, from small-cap to large-cap companies. Small- and mid-cap stocks are more volatile, and market swings impact VTI and VTSAX broadly. You can see that their portfolio reacts heavily to economic and political events. With 3.2x leverage, if some sanction results in a 5% total market crash, his equity (which is $5M) is reduced by 16% which is a staggering $800k loss. That's only 5%, and if they face a margin call, losses are much worse. This is why this strategy is precisely horrible.

FINomad

Yes, I would absolutely choose $50k in VOO over GOOG. I'm old enough to have gone through the dot com bust when I was a teenager. If you're asking this question, I assume you aren't old enough to remember the dot com boom. Do you even remember the 2008 GFC? The markets can change faster than you can possibly imagine. No sector or individual company is immune from having their stock price devastated. I retired at 35 and was pretty much all VTSAX (VTI) once I stopped day trading after the dot com bust. Even now that I've been retired for 7+ years, I simply keep three years of expenses in cash and the rest is still in VTSAX. I don't care whether NVDA, MSFT, GOOG, or whoever is next has a good run -- I hold them all and go about enjoying my retirement.

ExiledSpaceman

I had like 7k in Palantir but I sold during the recession spike. I was thinking to myself: "this company makes no sense". I still stay it despite the price going up by a fuckton. I went back to VTSAX and chill after that for the most part.

ETP_Queen

You’re actually in a good spot: big HYSA, lot of Vanguard, no obvious disasters. Main issue is you bought US large-cap like 5 different ways + a chunky NVDA/AMD tilt. I’d separate things: – “House in a few years” → keep boring (cash/CDs/short-term bonds). – “Retirement” → 1–2 broad funds (target date **or** VTSAX/VOO + some intl), not 6 overlapping ones. – Stocks like NVDA/AMD as a small side bet if you enjoy it. You don’t need a genius strategy here, just simplify and match each bucket to its time horizon.

Wassailing_Wombat

VTSAX and chill. Done

Strategian

I don't understand at all why the average semi-financially literate person of reasonable intelligence would need this arrangement. Want a Roth IRA? Open a Vanguard or Fidelity account. Pick a low cost index fund (VTSAX or a Target Retirement fund or something). Auto-deposit the Roth IRA annual maximum divided by 12 every month. Literally never think about it again except to adjust your auto-payment when the limit gets raised. This strategy is insanely cheap (we're talking like 4 basis points annually), takes 20 minutes to set up, and will probably match or outperform whatever your advisor is doing. Over 1% on fees and costs is absurd for an advisor who is basically doing nothing. You guys are just giving away money. Over a 40 year investing timeline, if she maxes her Roth every year, this arrangement will literally cost her like $1m dollars, no joke.

TheTrueAnonOne

Alternatively, I am legitimately up 400k+ using VTSAX which is basically VOO. Port size matters, and your willingness to add long term matters. Even if you can occasionally win gambling/trading scale is what's hard about gambling/trading. It took me around 10-15 years to get to this point but the ship is sailing now.

EatSleepCodeCycle

As somebody that invests monthly into VTSAX, I’m actively yawning when I see news about a crashing market.

Aaahh_real_people

The helpful answer is the simple one - stop messing around and put your money somewhere sensible like VTSAX

God_Dammit_Dave

r/bogleheads "VTSAX and chill." There's the whole strategy. Chill.

belovedkid

Shit like this drives me nuts. Cheaper doesn’t always mean better. 15 bps isn’t a lot and won’t blow up a thesis if it’s correct. I’m surprised RSP still charges .20 but let’s not pretend that’s expensive by any stretch of the imagination. VTSAX is a cap weighted index and isn’t even comparable.

Spittwadd

I'd agree, S&P 500 + NASDAQ are both heavily weighted in US tech. having both inflates tech exposure. If you want diversification, replace with broad market funds VTSAX/VTIAX precious metals are high-risk, low-growth assets. generally not recommended as a core long-term investment for retirement portfolios. I'd reallocate to intl/us stocks

LDRispurehell

Im probably one bad decision away from VOO, VTI and VTSAX for the rest of my life

bang_bros_r_us

Yes, sure thing! I’m going to just pile it all into VTSAX though, hope that’s cool!

flobeysolo

VTSAX and ~20% in VTIAX. Those are the admiral versions; VTI and VXUS are their ETF versions.

StatGoddess

VTSAX

SprinklesMany2038

If the money is strictly for retirement. I would be 15% Growth, 15% Small cap, 30% s&p, 40% international. You can add bonds later in life. You can either pick etfs or mutual funds to get to these percentages or just go with VTSAX, VOO VT, VXUS. If you want to set it and forget it you can do a target retierment fund that has a glidepath with more bonds as you get closer.  We don't have your debt, income or if you own a home, married, kids and longevity. Also need your expenses and emergency fund amount.  (This information is for entertainment purposes only, see a qualified fee only advisor for more specific advise) Watch for fund expenses and fees as well. Look for funds that have less than a .30 % expense ratio, go with passive vs actively managed too. 

javascriptexpert

VTSAX

Ok-Sheepherder7898

VTSAX average return is 14.6% over the last 5 years. How are you only making 10-12% annually?

InjuryEmbarrassed532

Exactly. Every single drop went into a V, since I put my first money into VTSAX and a few single stocks 20 years ago. THEY, whom we shall never mention, will always manipulate it to go up.

GameOfThrownaws

It really depends on what you already own. If you've got a ton of VTSAX already and not much international, then dumping it into VXUS for diversity is a good idea.

Elle_thegirl

You can't just transfer it to a Roth unless it is already in a Roth in your old account. Call vanguard. Create a rollover IRA. Transfer the money there. Invest as you wish. The target you mentioned is ok, but at your age you could also just go 90% VTSAX total market maybe 10% international fund.

holdmysugar

Curious why VTSAX over VOO? I agree with the strategy though, I do similar.

TheHarb81

Stop trying to time the market, VTSAX and chill

McGuetta

u/ALL_IN_VTSAX

retirement_savings

RSP has a 0.2% expense ratio compared to VTSAX which is 0.04%. 0.2% isn't awful but it's unnecessary when there's better, cheaper options.

da_choppa

Max out your 401k, open a Roth IRA and max that out. Invest in index funds like VOO or VTSAX. Stop with the CDs going forward and move your 6 month emergency fund cash to a high yield savings account. Consider investing more beyond the 401k and Roth in a regular brokerage account if you can afford to.

srfdriver99

Many ETFs are cross-linked with mutual funds, which is the main method by which additional shares of the ETF are created. VTI and VTSAX are Vanguard's Total Stock Market ETF and admiral-share mutual fund respectively, and they've got this exchanging down to a science which is how they can drive interest rates so low.

Electronic-Pea-8466

ok your right i must have pulled up something else. VTSAX is actually vanguard agreed

ZeroSumGame007

You are doing this all wrong. Just get VTSAX and chill bro. Not being in the stock market will make you a poor

Strong-Buy-783

What are you talking about? VTI is VTSAX. It's literally a mirror image of each other. Only VTSAX is 0.04% and VTI is 0.03% expense. So actually please, DON'T go on and on.

HappyCaterpillar2409

VTSAX is not high risk.

HappyCaterpillar2409

For stability put it all into VTSAX For growth put it all into NBIS

InjuryEmbarrassed532

I started in 2005 and just kept adding to VTSAX. Watching the gamblers loose their shit over this is funny.

2TdsSwyqSjq

Someone post this for VTSAX

Gliese_667_Cc

VTSAX or FZROX. You don’t have to know anything about them other than they are total market index funds.

readsalotman

I invest primarily in VTSAX, which is 80% S&P. I personally prefer liquid money, it's not useful to me to have investments tied up in real estate. But I'm not someone to leverage assets for business building or more real estate. I need money for travel and golf, that's what I enjoy. 4-5 years is too short of a time frame for 100% S&P, imo. If you're saving for another down payment, perhaps put like 20-40% into the market and the remainder in a bonds index, like vbtlx, and/or hysa.

HappyCaterpillar2409

No right now I'm all in on NBIS I will eventually return to VTSAX

HappyCaterpillar2409

VTSAX

retirement_savings

My defensive play is investing in VTSAX and not touching it for decades.

DryGeneral990

VTSAX and chill forever

WillProbablyBeDelete

I've been sitting in 25% cash for a while now, waiting for opportunities that I never had the balls to capitalize on. Obviously I'm bummed to have missed this years gains, but it is what it is. With my current allocations in mind, where do you think I should deploy around $300,000 of the funds currently sitting in a money market fund? My world exposure is low, as is my total market compared to my SP500 exposure. I'm comfortable with my current crypto exposure and would not want to increase this (purchased this at $3000 so riding it out). Would you just split the funds between world and total market, or do you think there are better places to put some of this money considering my current allocations? VFIAX (SP500) - $1,091,000 - 54.5% VMFXX ($435,000) - 21.7% VTSAX ($246,847) - 12.3% Bitcoin ($120,000) - 6% VTWAX ($108.968) - 5.4% Some details that may be relevant. 36 years old, married, no kids, unstable job currently earning $600,000+ but could see a decent drop soon depending on how things go in my industry. 400k mortgage @ 2.4%. Spending roughly $150k this year, but about 50k of that is related to business expenses that wouldn't be there without our current job.

DaemonTargaryen2024

Yeah so A1 can be your # of shares, B1 can be the Fund formula. Then in C1 you multiply A1 and B1 to get the current value of your position. For example =GOOGLEFINANCE("VTSAX") will give that cell the current NAV You just have to update the # of shares whenever there's new contributions or dividends. There might be a more complex formula to do this but I don't know of it. I just manually update the shares every month or so.

jordansideas

Maximizing dividends at 18 is bad bad bad. $60k is not enough money to live off of forever so why treat it like a retirement portfolio? Go for growth, stock appreciation just destroys dividend yields over long periods of time. Just VTSAX and chill

Ok_Valuable1572

VTSAX

Steve_Petrov

Remember to have protection during VTSAX so you don't catch any VTI

MusingsAndMind

VTSAX and relax

Pale_Drink4455

VTSAX and f’ing chill is my mantra.

Pale_Drink4455

Satire right? I love VTSAX over VOO.

Strategian

You are being milked by massive corporations and algorithmic traders. You’re giving them free money and you’re not even making it difficult. Set up an auto deposit into VTSAX or some sort of target date fund or something and stop thinking about picking stocks and commodities to speculate on.

Hokie_fire

I rotated my entire retirement from VTSAX to VTIAX because i thought US was screwed and I have not regretted that

LateralEntry

First, thank you for your service! Second, why do you have car payments if you own all your vehicles? Third, best thing to do, after you have healthy cash in your emergency funds, is some simple broad market ETF’s or mutual funds like VTSAX. Don’t keep too much in crypto.

db_deuce

echo VTSAX. If you have 100K in your 401K, you can mix it up.

helpwithsong2024

This is really all you need. If you want some international, do 70% VTSAX and 20% VTMGX and 10% VEMAX

DaemonTargaryen2024

These three get you the global stock market with ease: * Vanguard Developed Markets Index Admiral (VTMGX) * Vanguard Emerging Markets Stock Index Admiral (VEMAX) * Vanguard Total Stock Market Index Admiral (VTSAX) Add some bonds if you need to. I'd say no more than 10-15% for age 35. You may need none at all: * Vanguard Total Bond Market Index Admiral (VBTLX)

Weyoun2

All 3,526 companies in VTSAX.

Colossal89

VTSAX and chill. You will on average make $210k a year passively the rest of your life

Dangerous_Tax_2532

The 2055 target-date fund (VFFVX) is essentially a diversified version of what you are trying to do manually, so it is hard to beat in terms of simplicity and rebalancing efficiency. Adding mid-cap funds can boost returns, but it will also increase volatility and partially overlap with your total market fund. If you want to “optimize,” you might slightly tilt toward VTSAX and maintain some international exposure, but don’t complicate what is already a solid long-term strategy.

Awkward_Basis7533

Got it. So if it’s in a fund you’re absolved of responsibility? You know that the SPY500 is the 6th largest institutional holder of PLTR holding 27M shares right? You’re ok being complicit in little bites (say unknowingly) but it’s wrong if you do it willfully? But let’s say now you know - are you going to get out? It’s even heavier in VTSAX, QQQ, IVV, etc. Broad market funds are trying to make $$ we’re just our own fund managers. Anyone claiming any moral high ground is either A. Correct or B. Not making anything. It’s just too muddy.

CSGOW1ld

The market is not irrational. Just VTSAX and relax 

Gliese_667_Cc

A lot of you idiots would be MUCH better off putting your money in VTSAX. But no, you’d rather light it on fire and them come collect your worthless upvotes. Congrats on being stupid.

ifinance674

Why are you looking for further diversification? The thing that will build your wealth fastest at this point is your savings rate. Aim for a very high percentage of savings (more than 30%). You're young with no kids. The capital you accumulate now is worth the most because it has the longest runway to compound via investments. Consider your actual wealth sources: \- 2 jobs, presumably 2 different companies, many years of career ahead \- House, specific to your local area \- Cash \- Total stock market index \- Government bond market index \- Individual stocks You don't need more diversification. You are diversified. Other assets - bitcoin, gold, art, etc - are a distraction. If you are not looking to commit more time (say through rental real estate or investing in private businesses), then keep cash, pay off your mortgage faster or buy more VTSAX. And if you *really* feel you need more diversification, you can buy a total international stock market index fund as most of your exposure is USA. You have productive careers and own productive assets. Keep doing more of that.

Maleficent-Fennel250

Life is a lesson, you lost nothing. Stop the therapy and VTI is amazing, set and forget. Don’t sell VTI for VTSAX.

wheres_my_hat

VT, VTI, VTSAX choose one and don’t look back 

Potential-Ad5470

VTSAX and forget about it.