VTSAX

Ok_Valuable1572

VTSAX

zenfridge

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

readsalotman

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

dmsas

RIP the GOAT'd VTSAX at the bottom

-Morel

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

Hamlerhead

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

SweetZombieJebus

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

SweetZombieJebus

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

fatheadlifter

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

derwake

Either put it all into VTSAX or all into Bitcoin

clock_skew

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

No-Needleworker5429

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

No-Needleworker5429

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

dang_envy

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

neolobe

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

astrange

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

nichijouuuu

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

Kinda_Quixotic

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

WackyBeachJustice

So you're saying VTSAX and chill?

readsalotman

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

StatisticalMan

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

bkweathe

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

helpwithsong2024

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

xixi2

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

m_d_f_l_c

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

mistressbitcoin

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

RJ5R

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

sabedo

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

RJ5R

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

bula1brown

I have a $2500 minimum for VTSAX

BudgetMother3412

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

ChairmanMeow1986

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

missusamazing

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

panda_bro

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

Dry-Drink

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

neoexileee

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

XB0XRecordThat

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

majesticideas2

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

AlarmingConsequence

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

No-Maintenance5378

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

unsureMechanic

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

AceTracer

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

Sad-Yogurtcloset-258

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

No-Maintenance5378

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

chris-rox

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

Raddish3030

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

Gliese_667_Cc

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

VegetableJunkie

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

UntitledMp7

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

Soulofmine7

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

lance_klusener

DCA every month in VTSAX

Meaningless_Mussings

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

RoboticGreg

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

loganedwards

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

SellMeYourBlueberry

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

4My2Boys

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

TeachShort3

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

TeachShort3

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

TeachShort3

VTSAX, you pussy.

TeachShort3

VTSAX, you pussy.

TeachShort3

Store it in VTSAX pussy

newnamewhodis23

Keep investing. You might lose money but you won't lose the shares you hold. It's gonna' test you, these aren't the times for new investors but if you can be patient it'll pay off. Congrats on starting it. I personally like a three prong boggle head VTI, VXUS, and total bond strategy for long term investing but I'm mostly just VTI/VOO/VTSAX with VXUS right now.

adwise27

I have about $9k of VTSAX purchases at EOD, give me a good deal boys

AceTracer

Agreed. I sold out of VTSAX yesterday and I'm pretty happy just sitting on a cash account for the foreseeable future.

Deep-Brain-2607

Wrong VTSAX , a true index fund

Cruian

>Not sure tax efficiency is a real advantage here but someone else can correct me. ETFs have a mechanism that can help minimize and even negate the need for capital gains distributions (a taxable event). Select Vanguard mutual funds have a special design that allows them access to the same trick (the ETF and mutual fund version share the same pool of holdings, VTI & VTSAX for example), but as of right now other mutual fund providers don't have that ability (I've seen one article mention some people expect that to change possibly this summer). However, index mutual funds can be very tax efficient and even go years without a capital gains event even without the trick (FSKAX for example had their last capital gains distribution in 2019).

Jonas42

Right, so VTWAX is already tilting overwhelming to the US due to market cap weighting, and then you're tilting even further in that direction with VTSAX and VVIAX. Obviously this is a super personal decision with lots of context for each individual, and I'm just some random idiot on the internet, but *personally* I would take another look at that allocation.

sonofalando

VTWAX, VTSAX and VVIAX Larger allocation to VTSAX next largest is VTWAX and smallest is VVIAX.

trumpetfreak55

I sold some (about 25% of my total fund holdings) yesterday, even though it was a little late. I didn't sell during COVID, and I've never pulled out of VTSAX. But we have our firstborn on the way and my risk tolerance is down right now lol. I'll DCA back in when it looks like a conclusion is in sight. I'm feeling pretty relieved right now though to hedge against any future drops.

PreludeTilTheEnd

Slowly put money in monthly or 6 month timeframe. I use VTSAX. Or pick a target fund to auto risk management.

BanjoAndy

Highly recommend reading or listening to the audiobook of "Simple Path to Wealth" and "Your Money or Your Life". Wish I had known about those books when I was 19, I'd be retired now. In the meantime - markets are crazy so holding everything in a high yield savings account is a safe/low risk place with better growth potential than a standard checking or savings. To actually answer your questions - when it comes to stock I put all my money in VTSAX.

Wide-Pop6050

My emergency fund is 6 months, but I do what you're saying with the money market account + VTSAX. So there is probs 2-3 months of expenses in that money market account too.

rewgs

I can't speak for others, but speaking for myself, I am not operating on emotion and fear. My reaction is purely logical. What you appear to not be getting here is that all the investment advice and research and studies were based on a world order that suddenly no longer exists. Is "buy and hold" the right move if you're buying securities in the Venezuelan bolívar? Of course not. The aphorism you live by are in seeming more like thought-terminating cliches. It's all based on an extremely American-centric point of view, and the point that myself and others are making is that those rules and norms and assumptions just got flushed down the toilet. This is not just a crash, this is existential for the country itself. It is extremely possible that we will enter a depression, people will lose their jobs, and then what good is buying and holding when you have to sell at a 90% loss just to put food on the table? I am making an informed, measured choice to get out ahead of that. Not completely -- the plurality of my portfolio is still in VTSAX. But in a world where our trading partners have just been alienated and pushed away -- potentially *permanently* -- international stocks and bonds suddenly look *much* more attractive, and are a much more logical place to practice "buy and hold."

bicycl

I was sad for my puts but realized my VTSAX shares rebounded more than all the combined premiums

ASGTR12

I'm not *panic selling,* but I am taking this as an opportunity to re-balance and move towards a portfolio that reflects a very different world. As others have said, this is not your average crash or correction. This is a change to the fundamental world order. The aphorisms we've lived by since the end of World War 2 may no longer apply. My best guess is that the world will move on without the US, and we will start to look something like Russia or maybe Brazil. First, I'm selling any individual stocks or risky ETFs, ideally those with long-term gains and short-term losses. The former locks in some successes and the latter will reduce my tax burden next year. Honestly, I never should have bought this stuff in the first place -- stupider/younger me didn't know what he was doing. This is just to get some extra cash in my pocket, as I was pretty aggressive the past few years and don't have a big enough emergency fund. Second, I'm exchanging a large percentage of my US stocks (VTSAX and the like) for both domestic and international bonds, along with some international stocks. My previous allocation was about 90% US stocks, 10% US bonds, and is now more like 45% US stocks, 25% US bonds, 15% international bonds, 15% international stocks.

ASGTR12

I'm not *panic selling,* but I am taking this as an opportunity to re-balance and move towards a portfolio that reflects a very different world. As others have said, this is not your average crash or correction. This is a change to the fundamental world order. The aphorisms we've lived by since the end of World War 2 may no longer apply. My best guess is that the world will move on without the US, and we will start to look something like Russia or maybe Brazil. First, I'm selling any individual stocks or risky ETFs, ideally those with long-term gains and short-term losses. The former locks in some successes and the latter will reduce my tax burden next year. Honestly, I never should have bought this stuff in the first place -- stupider/younger me didn't know what he was doing. This is just to get some extra cash in my pocket, as I was pretty aggressive the past few years and don't have a big enough emergency fund. Second, I'm exchanging a large percentage of my US stocks (VTSAX and the like) for both domestic and international bonds, along with some international stocks. My previous allocation was about 90% US stocks, 10% US bonds, and is now more like 45% US stocks, 25% US bonds, 15% international bonds, 15% international stocks.

mere_dictum

If markets keep going down over the next day or two, I'm probably going to buy the dip myself (albeit in a fairly modest way). I don't have anything very special in mind. Given what we're seeing from U.S. leadership, I'm leaning towards fund consisting of non-U.S. stocks, e.g. VTIAX. To the extent I'm going for U.S. stocks, it will be some standard total stock-market fund like VTSAX. I'm also favorable to robotics stocks, which I see as being the AI of five or ten years from now; one fund I like is Global X's ROBO.

DrumRollPlease1012

Instead of moving out of VTSAX do you think I should just invest a large lump sum into mid/small caps?

Historical_Low4458

DCAing into VOO is a solid plan for times like this. IMO, once the market fully recovers though, you need to rebalance this portfolio because it is U.S. large cap growth heavy. I would move money out of VTSAX into other funds.

Affectionate_Self878

Wait until you see what Warren Buffett does with all his cash. Then try to do the same or just buy VTSAX.

readsalotman

Our emergency fund is the utilization of the 4% rule. For this year, we have up to $28k for an emergency; that amount is what we'd use if we were to retire on $28k/yr for 30 years. So yes, the bulk of it is invested using 40% VTSAX, 40% VBTLX, 20% VTIAX. We do hold on to $15-20k in a hysa though, so that's where we'd pull from first.

RowdyPurple

It seems like we have pretty similar philosophies. My emergency fund is of similar length (18 months) and could be stretched to 2 years through closely managing expenses. I'm at a point in my career that finding a new job could take an extended period of time, particularly if it happens during an economic contraction. I haven't been intentionally growing the emergency fund, but the cash pot has been growing for a couple of years now. The plan was to use that cash to replace a car, but recent economic events have changed that plan. I also make automatic weekly contributions, although whether it is into VTSAX or VTIAX depends on what happens to be underweight in my portfolio at the time.

Yevon

I am keeping enough cash for a year of predicted living expenses because I'm worried about my job doing another round of layoffs and the tech industry slowing down hiring again. Usually this is only six months and eventually when things stabilize I'll use this money to invest. After that, every two paychecks I keep enough to pay the bills. Almost everything is on my credit cards so the math is easy: ((paychecks * 2)) - (statement balances + mortgage)). Anything leftover I do the following every month, in order: 1. I refill the savings if we tapped into it because of unexpected spending the past month 2. I will fill out my IRA if I didn't do it yet 3. I invest with Vanguard, right now my distribution is: * VBTLX: 1% * VTIAX: 29.70% * VTSAX: 69.30% Been doing this same pattern (with different distributions) for the past 15 years.

Technical_Formal72

That’s cool and all but still not well diversified. VOO is going to be roughly 80% the same as VTSAX. You’re still missing international equities and bonds.

aligatorstew

I have an even larger position in VTSAX. The VGIAX is roughly 15% of my portfolio.

aligatorstew

I already have an even larger position in VTSAX, so prefer to put a bet on VOO.

i_exaggerated

Depends what you want to diversify against. VTSAX is made of 3608 different stocks, so there’s diversity there, but it’s only 0.2% international, so it’s a US focused index fund. You can do international index funds as well. 

i_exaggerated

Assuming that 80k is different than your emergency fund… I’d decide how long I want to take entering the market (all on Monday? a month? three months?) and then make equal weekly investments into some broad index fund (I do VTSAX). I would set the investments to happen automatically and then forget about it. 

Rickenbacker4003s

VTSAX and VTWAX is what I am doing for much of it. The rest in a target date retirement fund. Yes, we don't know the lasting effects. Yes, trump is a fucking idiot and this is ruining those who are retired and approaching retirement in the near term. Yes, this is unprecedented and "this time it's different" certainly applies. But if you have a 30 year horizon until retirement, stay the course. DCA. If we are truly cooked, you need seeds, band aids, and bullets, and your stocks don't matter. I'm not a financial advisor, but I'll bet everything that I'm right here

ftwin

Well I was planning on liquidating a portion of my VTSAX to help with a down payment in the next few months…not everything is for retirement

LetterIcy9044

Had $100k to invest today, bought $10k VTSAX, $80k VUSXX, $6k VBTLX and $6k NVDA. Was going buy $4k VTIAX but I think this lags the US market. (Overall $20k 70-30 in boglehead method and the rest in VUSXX.

corey407woc

VTSAX and ASTS , down 600k in a month

Rollingprobablecause

I prefer funds - I have the standard 3 fund in vanguard - International VTIAX (50%), US VTSAX (40%), and Bonds VBTLX (10%) -> after all this I might weight this 60-40. I am in my 40s which is why my bond position is 10%

friendly_gentleman

PIGGIES (new post COVID investors) GET IN LINE FOR THE SLAUGHTER! DCA VTSAX oldheads stay winning.

Squatch11

"Most of my investments are in blue chip stocks, mainly NVDA, and I'm bleeding much like most people are but a bit more due to a lack of diversification and going in with a lump sum rather than DCAing. " First, if you have a bunch of money sitting in a savings account, you're generally better off lump summing it all in at once rather than DCA'ing that money over a long period of time. So I wouldn't worry too much about that. What I would worry about is your lack of diversification in a Roth IRA. I'd start putting money into more diversified funds (VTSAX/VTIAX/etc.). And finally, stop looking at it. You're a long ways from retirement. Your portfolio will go down at times. It will go up at times. Just gotta wait. If your portfolio hasn't grown by the time you're ready to retire, well, you likely have bigger things to worry about.

Ok-Psychology7619

Time to sell of my T Bills and buy some VTSAX/VOO

NewBootGoofin_

Times like these make me wish I had DCA'd my money in VTI instead of VTSAX. I have to just watch the bloodbath all day without the ability to sell anything until market close.

ihopeitsnice

Transferred half of my 401k to a money market at the beginning of March. When should I put it back into VTSAX?

FFiscool

For diversification, most literature supports index fund investing and avoiding individual stocks (unless it’s 1-5% of your portfolio in individual stock picking for fun and you understand you’re far less likely to beat the index in that 1-5% over the long haul). Something like VTSAX, VTIAX, VTWAX. Look up “3 fund portfolio” and spend at least a little time on r/bogleheads if you haven’t already to at least familiarize yourself with that approach. Your asset allocation depends on your time horizon and risk tolerance. There are tables with suggestions by age and years away from retirement for stock/bond ratios. So advice on that is dependent on when you’ll need the money in the future

Positive-Tax-5488

holding.. and bought a little buy more.. VTSAX.. no individual stocks