VTSAX

dinklebot2000

My biggest concern would be overlap. Top 10 holdings for VTSAX and VIGAX are nearly identical.

Pale_Drink4455

VTI, VOO, VTSAX and chill for the next 30 years.

DaemonTargaryen2024

Hard yes for VTSAX and VTIAX. Soft no for VIGAX. There are worse things than VIGAX, but unless you have a particular reason for the growth tilt it's better to just stick with blend (VTSAX)

0olongCha

VTSAX, or its etf variant VTI.

greg_boose

I'm only investing in NVDA, GOOGLE, APPLE, VOO, VTSAX, CCJ, VOO, and QQQM. Had to stop buying all the meme shit and the AIs. Really wish I held onto all my OKLO, though!

Improvcommodore

I’m leaving my 401k and Roth IRA in VTSAX/VTIAX until I retire, but I am currently reallocating my taxable brokerage to majority bonds to up my emergency funds from 6 months to 12.

IHadTacosYesterday

I'd only need to be out of Cali for two years. I'm one of those FIRE people. Financial Independence Retire Early. Most FIRE people have all their money in VTSAX. So, when they hit their FIRE number, they don't have a massive tax problem with unwinding their risk. Unfortunately for me, almost none of my money is in VTSAX. All my money is in Google (48%), AMD (15%) NVDA (13%), AVGO (12%), VOO (10%), META (2%). I have to unwind my risk, which means selling out of huge percentages of these positions. Positions that have doubled. Some of them have tripled. Which means huge amounts of LTCG (Long Term Capital Gains) Obviously, I'm blessed to have the problem of too many LTCG's and thus too much taxes, but I still have to deal with the taxes. I could unwind the vast majority of my risk over a two year period, and I might save like 15 to 18k each year in doing so.

Oscar_Tamed

VTSAX

therealjerseytom

IMO VTSAX (or to be 100% in it) is not an appropriate investment vehicle for a financial goal 3-4 years out.

Ray_725

Either or but I would do one or the other. VOO is S&P 500 which you can purchase on any brokerage and can trade throughout market hours. VTSAX is US total market which you can only purchase under Vanguard and is traded at end of day.

HappyCaterpillar2409

VTSAX = Vanguard Total Market Mutual Fund RDDT = Reddit's ticker symbol

nichijouuuu

VTSAX over VOO no?

FINomad

Real estate *is* less passive, period. I know too many real estate investors and based on the stories I hear from them, not a single one is passive. Hell, they spend more time just visiting with their CPAs due to their complex taxes than I spend on my portfolio management and taxes each year. Even those with property managers still have to manage their managers. They are business owners with a real estate portfolio and either direct employees/managers on payroll or an outsourced property management company, which they have to watch like a hawk. And then there are all the wanna-be BiggerPockets landlords that bought at too high of price, thought rents could never go down, got a bad string of tenants, got a bad sequence of repairs/replacements, etc. and they are left with negative returns that they can never recover from (and hours upon hours of their lives wasted in the meantime). >What about the risk that VTSAX goes down 50% in a big crash? It will at some point. The typical bear market lasts less than three years. I keep three years of expenses in cash. What about the risk that your properties sit vacant for longer than you can stay solvent? What about the risk that you didn't know what you were doing and overpaid or picked the wrong property(ies)? What if you invest in commercial real estate and a pandemic hits and everyone switches to WFH and you lose your leases for years? What if your area becomes the next Detroit? What happens if your property management company doesn't do their due diligence on getting you quality tenants and you spend months/years (depending on the state) trying to evict someone? What if the foundation of one of your rentals starts to sink? What if you have properties in Florida and your property taxes go up 60% in five years while rents start to drop? And on and on and on. I like passive investments and there's simply too much to deal with and worry about with real estate.

Repulsive-Opening249

Hi everyone. I am new to finances and I have been trying to diversify by Roth IRA portfolio. I recently purchased $500 in VGT but this is what I have so far. What else should I invest in to diversify my portfolio? I’m also looking into VOO, OKLO, QQQ at some point. VFFVX VANGUARD TARGET RETIREMENT 2055 INVESTOR $13,914.93 VFIAX VANGUARD 500 INDEX ADMIRAL $8,419.39 VTSAX VANGUARD TOTAL STOCK MARKET INDEX ADMIRAL $8,682.77

shanewzR

Agree Real estate can be less passive but you can get it managed. What about the risk that VTSAX goes down 50% in a big crash?

FINomad

I already have over $2M invested in VTSAX (mutual fund version of VTI). I'd throw the new $2M in there as well. No real estate for me. I want passive income, not a job dealing with people in the RE industry.

Past_Drag4727

The VTSAX is mutual fund and RDDT is the stock of reddit

HappyCaterpillar2409

Low Risk: Put all of it into VTSAX High Risk: Put all of it into RDDT Do not try to build your own portfolio.

chatrep

I did the same and transferred my IRA from Vanguard to RH. I am a huge fan. So much easier to use. But the bonus match was what got me. I was going to point out the 5-year requirement. You get the bonus right away but they can claw it back within 5 years. As for IPO’s, they are doing more but keep in mind, just like anywhere else, they limit allocation. So you could ask for 100 shares and end up just getting a few. They also ask that you hold for at least 30 days as they want to discourage flipping. You can sell right away but then they won’t allocate ipo’s to you. I also like that everything is integrated from stocks, crypto, options, futures. Super easy UX. They also have fantastic margin rates but I don’t use margin. One other note… if this is a standard taxable account, when you sell VTSAX and have gains, be aware of the taxes.

ChoiceRadiant6381

I prefer VTI or VOO ETF or funds like VFIAX or VTSAX, fidelity and Schwab have the same fund and the expense ratios are like 0.05% vs 0.50%. I have come to the conclusion over the last 25 years and more so over the last 10 that fund managers don’t really beat the market and you pay a higher expense for the rate attempt. Their bogey is the S&P 500 anyways, so why go through all the effort. Now there are exceptions like Warren Buffett, Peter Lynch, but those are few and far between.

BiggestMack01

I am an 18 year old with a pretty good amount of money saved up. Right now, I have nearly all of my funds in VTSAX. I am on the verge of transferring my funds to robinhood on a 2% transfer deal they have right now (I’d make the maximum 500 dollars from that). I also do know to keep the 500 dollars, I’d have to hold my money in Robinhood for 5 years, which I don’t really plan on taking money out anyway. In Robinhood, I’d probably just hold VTI because they do not have VTSAX, and I feel like one huge advantage to this is being able to buy IPOs when they release, as they seem to be constantly doubling these days. Also, Robinhood makes it significantly easier to sell and buy shares of stock. I’d like to know if this is a smart or dumb decision, and why? Thanks guys.

FINomad

I keep 2-3 years of expenses in cash (checking+VMFXX) and the rest of my portfolio is in VTSAX. Yes, it's really that simple. Read The Simple Path to Wealth by JL Collins and you can pretty much understand my investment philosophy since I stopped day trading in 2000. I really wish that book existed when I was a teenager. I had a paid off house that I built in my 20s and sold shortly after I hit my FI number because I hated home ownership. It was tough putting hundreds of thousands of dollars into VTSAX in 2019, but I'm really glad I did since the stock market crushed the returns that my house had over the past 6+ years. Time in the market.

ivanmalvin

I'm not sure why you would lean so heavily on one company for your future. Yes it has worked great for you so far but that's no guarantee. Spread out at least some of those gains into passive, low fee, S&P500 or Total stock market index funds. VOO / VTSAX or similar.

Kinda_Quixotic

Up over $1M in the last 10 years. Very boring strategy - VTSAX. Funny thing, I let myself feel like a failure for not making more like some friends (NVDA, lucky RE buys that felt risky to me, etc). I’ve played it safe and had safe returns.

FINomad

It's simple. I sell some VTSAX when I need money. You realize dividends are basically the same as selling, right? You are being *forced* to sell four times a year with dividends, then you are taxed on the full amount of the dividend. The way I do it, I only sell when I need the money, and I am only taxed on my long term capital gains (same rate as qualified dividends). Careful, that retiredbyfourty guy is one of those dividend chasers that doesn't understand how dividends work. You probably shouldn't trust a guy that can't even spell "forty."

readsalotman

We've been DCAing for 12 years and have nearly $1M now. The only dip we've ever bought was the COVID plunge of March 2020. We had an extra $10k and bought VTSAX with it. Other than that, neither of us have the time to try to analyze and buy on dips. Not worth the effort imo. I'm too focused on my golf game and planning our next vacation.

WhoGotDaKeys2MaBeema

Best bet is to put a portion of it into VTSAX and VXUS and a small amount into BND. You will be so diversified that a crash wouldn't really even phase your portfolio. Then, just continue to DCA into it until you retire.

Country2000

Set up auto investing in your brokerage account. I use Chase and have weekly purchases setup, because I have a large amount of cash that I don’t want to dump in all at once. Chase will automatically transfer $5,000, from my checking account and put it into my brokerage account, every Tuesday. And it will then automatically make a $5,000 purchase of VTSAX after hours that Tuesday evening. Very easy to average in this way

AltoDomino79

If I invest $1000 dollars in an index fund like VTSAX or VOO within a Vanguard Brokerage Account, and that index fund investment grows to $2000- am I only taxed on the $1000 gain? I'm trying to understand the difference between a Brokerage vs a retirement account. In my (non roth) retirement account, I know that I'd be taxed on the entire $2000.

Doctaglobe

VTSAX and chill

todays_tom_soy_

If you're interested in investing in companies that are more aligned with your values, there are various mutual funds + ETFs that are available (e.g., VEGN: "US Vegan Climate EFT"). Be careful about overly restrictive funds (whose focus may be too narrow to produce the steady gains typical of broad index funds) or funds that have unreasonably high annual fees. Many of these funds aren't going to make as much financial sense as the broader funds that track the S&P 500 or the whole market (e.g., VTSAX). If you're worried about the practices of particular investment companies, it's helpful to look into past lawsuits that have been filed against them. I like Vanguard, which made its reputation in part by offering certain investments with especially low fees, changing the industry in the process, and the company is technically owned by its customers. No company will be perfect, though. Beware of investments that serve the interests of the company much more than those of the investor. Some annuities arguably fall into this category, for example.

Gliese_667_Cc

If you need chatgpt to gamble for you, you should probably just stick to VTSAX.

xiongchiamiov

VIGAX is a bet on the growth subset of companies (ones with higher expectations and higher prices to match). Those have done really well the past decade/two, [but historically underperformed value](https://www.dimensional.com/us-en/insights/when-its-value-versus-growth-history-is-on-values-side). I wouldn't describe investing in it as "more aggressive" in the way that you want; what you're trying to do is increase returns through increasing [compensated risk](https://www.reddit.com/r/Bogleheads/comments/1cnjdvz/what_do_you_all_mean_by_uncompensated_risk/). For your goal, I would simply start with VTSAX, VTIAX, and a bond fund in proportions similar to the TDF, then reduce the bond percentage as you are comfortable: * https://www.bogleheads.org/wiki/Asset_allocation * https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction * https://www.bogleheads.org/wiki/Risk_tolerance * https://www.bogleheads.org/wiki/Assessing_risk_tolerance

magneto-reluctance

(34m) ditched tdf for 46.5%VTSAX 28.5%VTIAX 25%VIGAX did I make a mistake? TDF had an expense ratio of .64% that bothered me when crunching some number for over the next 10 years. I was between the funds listed above and GRMIX 75% VTIAX 25% the plan advisor steered me towards my current allocations. What do you guys think? I wanted something that mimicked the TDF without bonds, but more aggressive.

readsalotman

I've just been DCAing into VTSAX for 12 years, its already automated.

readsalotman

I started investing into VTSAX about 12 years ago, started with $50. I now have $975k. Slow and steady!

Traditional-Eye-7094

VTSAX

Kinda_Quixotic

The two hesitations I have about this narrative: (1) GenAI could potentially drive as big of a change in business as personal computing did. And most of those companies are American. If GenAI takes over x% of accounting, medical diagnoses, driving, etc, those companies will continue to dominate. (2) Mega forces (especially demography) favor US over other developed economies… especially Korea, Japan, and Europe (excepting maybe FR). I can’t decide what to do… diversify Globally? Metals? Or stick with the VTSAX and chill. Sigh.

Darth_Dumpy

First off, I just want to say congratulations - no matter where the money is going 17% is a great savings rate. I generally would recommend eventually trying to get it closer to 25%, but 17% is much better than most Americans ever achieve and will set you up very well. I recommend plugging your numbers into a compound interest calculator ([this](https://www.flarefi.co/tools/compound-interest-calculator) is the one I use, but there are a lot of great ones out there) to run projections based on your expected returns (about 10% if you're in S&P). I find this super motivating to save more. I personally use Schwab for my Roth and Brokerage and have no complaints. I think it's a great idea to use tax advantaged accounts (Roth / 401k / HSA) as this maximizes your returns, but a brokerage is also a great route for funds you might need more flexibility with. You have a strong emergency fund, so just plowing as much money as you can into index funds (VOO, VTSAX, etc) is what I would recommend. When you're first starting though, the amount you save is much more important than what you're investing in. Just pick a fund and focus on getting as much money in as you can and ignore the noise and you'll do great!

AnonymousIdentityMan

VTSAX.

InclinationCompass

VTI and VTSAX each have nearly 4000 companies. VXUS has over 8500. So between the two, I’m invested in over 12,500 companies globally.

Milios12

Would option c be a private practice for you? That's a whole headache, but some people like doing it. Definitely more work than a rental. Anyway, if I had a kids and a demanding job? Just invest $500k something like $VTSAX or $VTI and walk away. 500k would be great for a home to rent it out, if you dont already have a home. You are way past that situation, I imagine.

thanos_was_right_69

I would put it all in VTSAX

knawnieAndTheCowboy

VTSAX

JackieDaytonaPanda

You right just don’t know why VTSAX doesn’t get as mentioned as these other funds

j909m

I'm all for VTSAX; I was just noting that OP didn't mention it.

JackieDaytonaPanda

Dude why not VTSAX? I’m auto invested into VTSAX and I’ve always heard it’s just the mutual fund version. What’s the beef?

j909m

That “all in VTSAX” guy is screwed.

Sonarav

VTSAX and chill for my Roth IRA Target Date Index Fund for my employer sponsored plan

Josh18293

Are you more focused on building wealth or preserving wealth? Both have vastly different goals and outcomes. If you're seriously interested in growing stable retirement savings and building a nest-egg, definitely diversify. Are you giving up potential gains by doing so? Sure. You're also giving up potential losses as well by diversifying, especially using indexing. Stock indexes compile hundreds or thousands of stocks. If a company fails and goes broke, it gets taken off the list and replaced. VTSAX and VIGAX at Vanguard are a good place to start. If you have a high risk tolerance, hold onto your stocks and diversify elsewhere in your portfolio. You also avoid capital gains taxes from the sale of your best winners. Just know that it could be a very bumpy ride. If, god forbid, MSFT or another FAANG/GAFAM company goes under, you're screwed. Are you comfortable with that level of risk for the potential upside? It boils down to this: a) sell off some % of your individual stocks, pay some tax, and insulate yourself from some level of market fluctuation, and bet on a pretty dependable 8-15% growth over the next 30 years in something like S&P500. or b) accept the risk of those big corps going under, but hold onto the great gains you've made, while still being able to diversify elsewhere I'd lean toward option b if you're young, healthy, and stable. If you're close to retirement, it may be time to sell "cats and dogs" for more stable stock and bond index funds. Good luck. PS: if any of this looks like what JL Collins would say, you're spot on. Look him up if you're not familiar.

Princess-Donutt

I wouldn't overthink it too much. It's fine to hold overlapping index funds. I hold about 6 (in order of percentage of portfolio): SP-500, All Market, International, Balanced fund, High-yield dividend, and emerging markets. I invest regularly, and whenever I feel like I want more exposure to another area, I put my next buy in that fund. Then I just hold everything in the same account. Lately though, I've just been shoving in VTSAX (Total Stock). No need to overthink it. Whenever I check the SP-500 for the day, I pretty much know how my portfolio did.

Master_Dogs

A better question would be if you want to manage your stocks or not. If you don't have any interest in researching things and reallocating stuff, why not just sell the individual stocks and toss everything into a mutual fund that tracks the S&P 500 or the broader stock market in general? Like [VTSAX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax) on Vanguard, [FXAIX](https://fundresearch.fidelity.com/mutual-funds/summary/315911750) on Fidelity, etc. That last one shows that they're 8% into NVDA, 7% into MSFT, 5.7% into APPL, etc. Basically a third of it is just tech stocks anyway. +13% returns over the last 10 years. You'd do basically nothing and wouldn't have to worry about what it's allocated in or what the latest stock might be worth investing in. You can also do a target date fund if this is going into a retirement account, since that'll also handle the issue of investing in safer assets as you reach retirement age.

greytoc

In that sort of situation, the differences don't matter much. One other difference - minimum initial investment into VTSAX is $3k.

greytoc

It depends on what you are trying to accomplish. Disadvantages that I can think of using VTSAX: * has an extra 1 bps of expense drag. * not optionable. * margin requirements on VTSAX is likely higher and non-marginable for first 30 days. * outside of a Vanguard account may have a transaction/load fee so if you plan to move the position, you end up in a redeem only status or may have to liquidate. This may or may not matter to you.

AltoDomino79

Is there any *disadvantage* to owning VTSAX (admiral share mutual fund) in a Brokerage account versus the ETF equivalent (VTI)?

Kalababu

VTSAX and just chill. If you want get the VTi which is the stock ticker version. Read the simple path to wealth. This is all you need.

corey407woc

VTSAX

mistressbitcoin

I think every catwoman would do well to have an etf like VTSAX or SPY as a sidekick.

Kris_Mettew

Keeping that $115k in equities like VDADX or VTSAX exposes you to market swings that could cut your down payment right when you need it. Moving the money into something like VUSXX or VMFXX is a much safer play, since those money market funds will preserve your capital and give you a modest yield while keeping it liquid. Your Roth IRA can stay invested in equities, since that’s for the long term and not tied to your house purchase. The key is to separate short-term money you’ll need soon from long-term money you won’t touch for decades. For a house in 2–3 years, safety beats chasing returns.

AltoDomino79

I own a significant holding in a dividend index fund (VDIGX). The rate of return seems to consistently trail the market, especially the last 3 years. Should I sell it all and buy something like VTSAX? This is about 1/8th of my portfolio-a significant dollar value. I thought dividend funds were a great idea- as I learn more I think I may have been foolish and I should switch to an SnP 500 type index.

Emergency-Skirt-5886

Google Bogleheads 3 fund or read the book Simple Path to Wealth by JL Collins. Simple approach is the best approach. If you really want to keep it simple, VTI or VTSAX. Same allocation but one is an ETF, other a mutual fund. I think people get bogged down on details but really you should just be starting the clock. Time is your best asset. Hope this helps.

Gliese_667_Cc

It sounds like you should stick to VTSAX buddy

Skippy989

If you are 38, you can afford to go with all stocks. Take a look at VTSAX or FIAIX, both are baskets of stocks so you'll be spreading you risk a bit.

JustGoFly

I'm 65, retired for the years, I had heard the mark was a net worth of 1.2 million, but that really depends on your planned draw after you retire. I hit 1 million at 50, 2 million at 60. 7% yearly was as good as I knew at the time. Retired at 62 with 2.2. am 65 and into VTSAX, FSK, VWUAX. got lucky having bought Nvidia at $10 for 1000 shares, stupidly sold at 110, because advisors valued the stock at $90. It'd be over 10x if I held. Bought Oracle at $4 so many years ago, bought AMD at $10, sold a week later at $110. I do have a bunch of my IRA in the standard retirement funds. We live of of one that is worth $500k and hasn't been reduced in the years of retirement and all the others are growing. 65 and net worth had grown to 3.2 million. My biggest mistake was putting to much into retirement funds and not enough into ROTH. Here is what I think you should do: 1) calculate the top of the 12% tax bracket, married it's somewhere around $126.95k 96,950 +30,000 2) always do the company match, but try not to put any of your income upto #1 amount into your 401k. Put in to reduce your yearly income to the #1 amount. 3) instead invest it personally, when you retire you live off this amount, and take the full 12% amount and roll it into your ROTH. You can write a check, pay the taxes (20%) add that 20% from your savings, and roll it all into your ROTH I have about 1.8 million in IRAs, and I'm going to have a really hard time spending that without paying 22% taxes to gain access to it. I could have had alot of that in personal investments had I not been so aggressively adding to my 401k.

ilovemydognacho

What is VTSAX

Portomoroc

Hey how can you just keep VTSAX in 401k - my fidelity 401k account doesn’t let me touch for index funds - it’s got a mix. Is there any trick to just moving everything into just VTSAX ?

DryGeneral990

It's just one fund VTSAX

WackyBeachJustice

Is this code for VTSAX and chill?

Elrondel

Your 401K match is an insane offer, screw everything else and max that out. Buy VTSAX. Leave it alone until you're retired.

Bannnerman

I just turned 40. Your post caused me to look at mine. $453K as of this morning. All VTSAX.

Main-Ad-841

You’re doing great, stick with VTSAX.

DryGeneral990

VTSAX is a total market fund.

ChuckJA

All time high friend. Sell and invest everything into VTSAX. Congrats, your retirement is now secure.

likwitsnake

I’m a simple man, I get paid every 2 weeks I buy VTSAX every 2 weeks.

MEDICARE_FOR_ALL

What you're doing isn't investing. Buy and hold, VTSAX and chill Or go to Wall Street bets and you can hang out behind the Wendy's dumpster with everyone else.

Living_Relation8245

VTSAX and chill

humdinger44

Yeah maybe I didn't write it clearly because there seems to be a pattern of confusion. I dropped VTSAX in exchange for VTIAX and also picked up VXUS.

cafedude

> I decided to drop my US stock holdings (VTSAX to VTIAX and VXUS) VXUS is total world market minus the US. So if you want to be out of the US, that's what you want to be in.

xiongchiamiov

VTSAX and VTI are the same investment. The choice is largely whether you prefer mutual funds or etfs in how they trade; either is perfectly fine. I would suggest you might extend to the broader world market; choosing VT instead would be an easy way to do that. You could also consider a target date fund.

Square_Shoulder9285

Hey everyone, I’m 23 and basically starting over with my investing after a rough few years. For personal reasons and life stuff, I had to pull a lot out and my portfolio took a big hit. A few years ago, I had around $3,000 invested in ETFs through Robinhood, but due to real-world expenses and priorities, that’s now down to about $300. Most of that money was originally in certain ETFs I believed in, but life happened. Outside of that, I’ve also been holding some gold and silver as part of my savings. The thing is about 3 years ago, my plan was to buy into VTSAX as my main long-term holding. I didn’t pull the trigger back then because so much was going on in my personal life and at work. Now I’m ready to get serious again, and I’ve got about $3,759 in my Roth IRA just sitting in cash. My question is: Should I still stick to my original plan and buy into VTSAX now (given that they lowered the minimum to $2,500), or would it make more sense to go with something like VTI or a different approach altogether? I was feeling a little discouraged because it took me so long, but someone told me that the best time to invest was yesterday and the second best time is right now. Appreciate any advice from people who’ve been through similar resets.

schoolboydope

I think Alot of these people in the trading arena are fake gurus. I want to learn about options and day trading also. However, I put all my money in VTSAX because I know I don’t have the skillset. I am sorry you lost your bread. You’re a young guy and have time to get it back. I would say keep your size small and learn to be profitable.

No-Maintenance5378

I started investing in VTSAX (now moved to VFIAX) in 2020-2021... everyone bought high and had to ages for it to recover. But then it did, and it kept going up... and up....

brianmcg321

Hold everything. VTSAX and chill.

IvoryCoast225

It is gambling on single.stock, not investing lol. We all know how it ends. VOO anf VTSAX and forget about it

Far-Enthusiasm-5995

At 37 you still have a lot of runway ahead – 10–20 years is long enough that the market will see a few full cycles. The real question is how much volatility you can stomach. A 100% equity portfolio is going to drop 30–50% every so often; if that prospect doesn't keep you awake, there's nothing wrong with staying 'aggressive.' If you know you'd panic-sell in a crash, then it makes sense to build in some ballast via bonds or cash. VTSAX already owns most of the U.S. market, so slicing up 1% here and 2% there into momentum funds adds complexity without moving the needle. Many folks just hold a broad U.S. fund plus an international fund and call it a day. Factor or momentum tilts can be fun, but keep them small enough that you won't mind if they underperform. Your savings rate and sticking with your allocation through drawdowns will matter far more than whether you have 1% QQQM or 2% SPMO.

Far-Enthusiasm-5995

An 80/20 mix of VIGAX and VTIAX basically means you’re leaning heavily into U.S. large‑cap growth with a dash of international. That’s not crazy at 35, but remember growth stocks can go through long cold spells. A lot of people use a broader U.S. fund like VTSAX or the S&P 500 as their core, then add international and maybe small caps around it. Whatever mix you pick, the key is sticking with it and ramping up your contributions over time instead of chasing recent performance. A target‑date fund can also take the guesswork out if you’re unsure.

c47v3770

Something to think about. My VTSAX is in my employer profit sharing account which is managed by vanguard and only gives me access to index funds. I need to check if the VB index fund equivalent is an option.

flyingbunnys

Instead of stopping buying VOO, why not pair VOO with VB and get rid of VTSAX to get rid of the overlap? That would give you more flexibility in balancing between large and small cap than a total market fund especially since your already carrying a couple growth and momentum funds.

evoboltzmann

To be clear, since 2009 the CAGR of VTSAX is 14%. That's well, well above what the historical average has been. If we enter a more typical cycle you're going to be really mentally unstable comparing it to whatever happens to boom for the next 2 decades.

c47v3770

I know I know. It was just eye opening to see. I can’t complain about the gains VTSAX has given me.

evoboltzmann

If only you could predict the future and know what is going to outperform VTSAX for the next 16 years. Damn, if you just looked at yesterday's lottery numbers think about how much money you could have had. Or, just realize that there's no amount of theorizing that will let you see the future and there's not anything worth crying about.

c47v3770

I shouldn’t have looked at a comparison between QQQ and VTSAX since 2009. I wanted to cry when I saw the difference in returns…

knocking_wood

She will probably pay no taxes on the insurance payout. The 401k will not be taxed unless/until she withdraws from it, then the withdrawal will be taxed as income. Assuming she and your dad were married, it will be a spousal 401k so IIRC she can roll it into her own 401k or IRA without taxes or penalties, and it just becomes part of her own retirement account, subject to the same taxes and rules. Your plan sounds fine, invest in a S&P500 ETF or mutual fund. VOO, VTSAX, SPY, etc.

MirthySeok

Swap the stocks into an index fund like VTSAX or VTI VOO or something like that. Make sure it’s auto reinvesting dividends and such. Once you hit the 100k amount it will start to grow faster than you can add to it because of the compound interest. So I’d keep it investing. The mortgage is at a good place in terms of rate. If you want to speed it a long a little bit then pay one extra monthly payment per year into the principal and this can cut down the remaining years.

cambeiu

[ARKK over the past 5 years](https://www.google.com/search?q=ARKK&rlz=1C1CHBD_enMY1019MY1019&oq=ARKK&gs_lcrp=EgZjaHJvbWUyEQgAEEUYORhDGOMCGIAEGIoFMhIIARAuGEMYxwEY0QMYgAQYigUyDQgCEAAYgwEYsQMYgAQyBwgDEAAYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyDwgHEC4YChiDARixAxiABDIHCAgQABiABDINCAkQLhivARjHARiABNIBCDEwNTVqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8). [VTSAX over the past 5 years. ](https://www.google.com/search?q=vtsax&rlz=1C1CHBD_enMY1019MY1019&oq=VTSAX&gs_lcrp=EgZjaHJvbWUqDAgAECMYJxiABBiKBTIMCAAQIxgnGIAEGIoFMgcIARAAGIAEMgcIAhAAGIAEMgcIAxAAGIAEMgcIBBAAGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgYIBxBFGDzSAQgyMzgzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)

DrSpaceman575

Had a similar windfall recently. Right now I opened high yield savings accounts with bonuses for large deposits so I'm going to collect those in the next few months then maybe move it somewhere else. Depends on your risk tolerance. If that's most of your money then save it in a HYSA or VTSAX, I wouldn't do any type of managed fund IMHO with that amount. You can look into bonds if you don't need it all to be liquid, depends on your timeline for buying a home but keeping it as a down payment is a good idea if you're going to be buying. You can always take a few grand and pick some stocks or options plays if you can afford losing it.

brianmcg321

VTSAX

RipComfortable7989

The entirety of the contribution limit into VTSAX and then promptly forgotten about until the next year.

___Art_Vandelay___

That's my HSA with Schwab, yup. Roth IRA is with Vanguard, so it's VTSAX and chill.

No-Needleworker5429

This was my comment to r/financialindependence on April 7th: “Just bought $7,000 of VTSAX. 🪦”