VTSAX

linaisinhell

yes my cutie pie. I mostly invest in ETFs, i recommend VOO (S&P 500). there's also a cheaper version but i forget the ticker symbol, you can look it up. if you want to play it safe you can invest in mutual funds like VTSAX (VTI for etf ticker), which average at about 9-11% annual returns. and you need to know when a good time to buy is (you'll want to buy at an all time low). i recommend going to [stockcharts.com](http://stockcharts.com) and familiarizing yourself with the data there. it'll show you YTD averages but you will also have to learn a lot about how market averages work. i do short term trades with more volatile stocks like NASDAQ (but my definition of short term is 3-6 weeks). buy at an all-time low, sell at an all-time high. and you can predict those turning points with the data on stockcharts. i don't recommend trading like this if you're not very comfortable with reading the data. it's high risk, high reward. you're better off just investing your money into things like the S&P (which is moderate risk) and mutual funds, this way you'll always be guaranteed at least 10% returns annually. the rest is up to you. if you buy at a good time you can turn that 10% into 15-20%. ykwim?

dasunt

You can compare something like value to total market and see the difference. Over 10 years, it's 12.87% annualized for VVIAX vs 15% for VTSAX. And value is excluding a lot more than AI & Musk's companies. Is a 2.13% difference big enough? Depends on your risk tolerance and view of the market's future. Of course it is easy to look back and cherry pick the winners, ooohing and awing about the potential returns if you invested at the right time. But that's a gambler's fallacy.

THUMB5UP

VTSAX I think

MulberryMonk

lol. Imagine if you had just thrown 100k into VTSAX four years ago.

beerandbikes3

75% VTSAX and 25% VFIAX. Max out retirement accounts and any excess goes into taxable index funds. Our HHI is about $280k

AccurateTip7999

https://preview.redd.it/qoet886osyvh1.jpeg?width=1206&format=pjpg&auto=webp&s=6e5c1f6b4acae99f6ec161ee10cec3842f517926 I’m 34, about to be 35. Just VTSAX and chill. This is a Roth IRA.

paulhags

I went from 0 at 30 to 2M at 40. Uncle Sam helped get me a duplex (VA home loan) that was essentially free living. After that it was VTSAX and chill and marrying well.

CenlaLowell

"I'm new to this" invest in VTSAX and spend the next five years learning

Lendari

I have way over 100k invested in VTSAX

BarbellPadawan

No. Not really. I’m doing terribly this year, but that’s just me. I’m completely flat (have made 200k and lost 200k). I’d be about +13-15% if I had just VTSAX’d and relaxed.

GlitteringBowler

On top of this NANC on vanguard has an expense ratio of 0.72% whereas VTSAX is 0.04%

Cop10-8

It is closer to 33% of VTSAX versus about 38% of VOO. More importantly, when you combine VTSAX with VXUS, you own substantially less of the biggest 10 companies than you would by holding VOO alone.

Cop10-8

Instead of putting everything into the S&P 500, I would consider broadening the portfolio in two ways. First, add some international exposure, perhaps 20 to 40% through something like VXUS. That gives you exposure to companies outside the United States rather than betting entirely on the US market. Second, use a total US stock market fund like VTSAX instead of only the S&P 500. The S&P 500 is essentially large US companies. VTSAX owns the entire US stock market, including large, mid, and small companies. Roughly 20% of the fund is outside the large-cap companies that dominate the S&P 500. The idea is not necessarily that small caps or international stocks will outperform. It is that you are diversifying across more companies, company sizes, and countries. You are making fewer bets on which particular part of the stock market will win over the next 20 or 30 years.

disless

As much as I can. Depends on the year. This year should land at about $60k. Almost all in VTSAX, a few percent goes to "fun" investments

lance_klusener

VTSAX and chilling every month

CenlaLowell

VTSAX

Rymasq

I love owning VTSAX, it's my biggest holding and it just climbs up

Clear-Search1129

Stop being an idiot until you have a million in VTSAX

Only4TheShow

Ranking every option for *this* job — moving money out of the AI/megacap pile: 1. **BRK.B** — completely different businesses, cheapest valuation, no dividend. 2. **VTI / VTSAX** — best of the index funds; adds \~3,000 smaller companies you don't own. 3. **VOO / FXAIX / SPY** — broader than your book, but top-heavy with your names. 4. **QQQ** — mostly more of what you have. 5. **VUG / SCHG** — the growth half of the market only, which is exactly where you're already concentrated.

vrrrr

as someone who’s all in VTSAX and FXAIX, those can also tank 50% and mess with your head

Dirkredblade

Don’t gamble, invest instead. Open a Roth IRA if you have earned income, a Roth IRA is a retirement account where you use already taxed money, and it’s never taxed again. I hold mine in Schwab because they have great customer service, but Fidelity and Vanguard are also good. Deposit up to $7,500 per year. Put 70% of your money into VTSAX, this is a mutual fund that covers almost all of the US Stock market. Then put 20% into VTIAX, which covers most of the international stock markets. Then, if you really feel the need to pick stocks or gold or crypto, etc, because you think you can beat markets, you can use that last 10% for your “investing gambles”. 90% of the population would be better off just investing all of it in VTSAX and VTIAX, and never touching it except to rebalance, but a lot of people have a need to try to beat the indexes. If you max out a Roth IRA the rest of your working life you will most likely have a comfortable retirement. Good luck

InclinationCompass

$690k portfolio 19% individual stocks 22% VXUS 59% VTI/VTSAX

ChiefGRC

$1M into SCHD or VTSAX or even just oil would be a better ride for the period of one year to get a solid 5-20% profit. You decided to go full 90% drop

Tooakwfh

Have a decent chunk in QQQM, VTSAX, and SMH and will be holding them all for the foreseeable future.

GibberVickers

VTSAX and chill! WTF is so hard about that? This dude wants what? Sympathy?

fleasnavidad

Oh great! Yes, mine is a Roth IRA. I have $100 going in every week automatically to VTSAX and with the rest of the $7,500 I try to invest in something more exciting. But it’s possible I can spare more money to invest. So I could maybe open a personal brokerage (broke rage is a funny compound word) account. Through Vanguard? And/or to my workplace 401k which is through Ascensus.

Pale_Drink4455

Hotties love VTSAX and chill! Give it a try young lady.

cambeiu

How to beat most active investors: 1 - Go to [vanguard.com](http://vanguard.com) 2 - Buy VTSAX and VITAX. 3 - Profit You are now guaranteed to beat 95% of all active investors.

Apprehensive_Elk2608

The same way I've positioned for several decades. VTSAX and chill.

lance_klusener

VTSAX and chill works ?

The_JSQuareD

Though of course if it's the mutual fund / ETF distinction you care about, you can just opt for VTSAX / VTIAX instead of VTI / VXUS. I assume OP is asking primarily about the Vanguard vs Fidelity zero trade-offs, not mutual fund vs ETF.

CreatingCreatively

How much do you need to lose before you stop? I lost 4k and hung my shit jersey in the rafters 😂 Time for gay boomer VTSAX & VOO stonks

vonbauernfeind

I've played with 5% of my portfolio in individual stocks. It was fun when I made it work, but that was really just gambling on chip stocks the last few years, which is like betting on red or black at the roulette table. Pays out consistently until it doesn't. I settled out. VMGMX, VTSAX, VTWAX, VWUAX, SMH, VOOG, and VTI. Plus whatever my 401k is doing.

mighty_sys_admin

my 401K gonna hit in like 30 years :) half VTSAX half VIGAX

East-Vehicle-2936

I always liked the VTSAX and relax saying. Regardless, I am a touch more diversified

Hopeful_Tea_7551

Thanks for the perspective. This is the only biotech stock I own, I bought the majority of my shares back when it was $3 a share. It's a company I've followed for years going back to when it was NantKwest...I otherwise don't invest in this sector. IBRX is a long term speculative bet for me. Curious if by "write options against them" you're referring to writing covered calls? If yes, I've been interested in that but not sure if it's a strategy that still works (even if you're conservative with how you do it). Additionally, when VOO, QQQ, VTSAX etc. are returning 15%-25% (give or take?) over not just a short, but intermediate to long term horizon...I also have a hard time arguing against investing in those, although I worry about whether or not those index funds, given that they track market cap weighted indices like the S&P, are truly as diversified as people think they are.

MysteriousCheetah213

No, I invest each month into VTSAX. I was 25 in 2009 and wasn’t making much money. Then started making more in 2015… then a lot more.

MysteriousCheetah213

All VTSAX

NathanielRochester

20% in individual AAA-rated corporate bonds in 2025 averaged 5.3% interest per chatbot for almost $85K income taxed at ordinary income rates. If that 20% were held in VTSAX instead, per chatbot, you'd have incurred $16.3K income taxed at qualified dividend rates and $1.1K non-qualified dividends taxed at ordinary income rates. Some people love, love that asset allocation approach to which you refer. Another way would be to keep 5-10 years of living expenses in bonds or cash. To match the amount in bonds of the asset allocation approach (20% \* $8 million = $1.6 million), you'd have to be spending $1.6 million/10 years...$1.6 million./5 years = \[$160K...$320K\] per year. But if you spend less and don't expect to need the money for 5-10+ years, you can get away with less and get the more favorable tax treatment as well. Also, for the worst-case market performance, you'd need to replicate the economic policy mistakes of the 1930s/late 1960s-1970s and the Fed's and Congress's response to the Global Financial Crisis and during the pandemic seems like we've learned the lessons about acting assertively to counter economic downturns.

BdaMann

Options are vehicles that were designed for large funds to hedge and manage risk, not for individual investors to gamble on stock price movements. If you're young, you can still take greater risks than older investors, but you should be buying and holding stocks for the long run, not trading options. You should have a solid base (50% of your portfolio) in a total stock market index fund, like VTSAX, and then you can allocate a portion of your investment portfolio to growth stocks that you like. There's nothing wrong with picking 10 stocks you believe in and holding 5% of your portfolio in each, with 50% of your portfolio in a total market index fund. As you get older, you can gradually shift to safer investments.

framauro13

VTSAX or bust.

dmiller224

SELL $1m and you’re in a HUGE position. Put into VTSAX or VFIAX or the equivalent. I’ve personally seen people lose millions and to never regain it. If you want to gamble the extra 500k that’s your choice, but I wouldn’t

dmiller224

SELL $1m and you’re in a HUGE position. Put into VTSAX or VFIAX or the equivalent. I’ve personally seen people lose millions and to never regain it. If you want to gamble the extra 500k that’s your choice, but I wouldn’t

MusingsAndMind

Eh, I need a break. VTSAX and relax until further notice.

Apprehensive_Elk2608

Or... HEAR ME OUT BRO... VTSAX and chill.

Curious_Eye4151

Seriously. Have you never heard of index funds? VTSAX and chill? Damn, I’d pull my eyeballs out if I lost money as fast as you peeps do on this sub. But you all seem me love the thrill. 😂 

IzzmeisterSupreme

Hello! I started investing into a Roth IRA about two years ago. I was late to the party (am in my late 20s) and only have about 11k so far. Currently my breakdown by percentage is roughly: 28% VTSAX 37% VTWAX  6% AVUV 8% VGT 22% VOOG I've had pretty good yield (>20% so far). I'm trying to stay as diversified as I can by looking at Vanguard's "difference from the average" on percentage, and am a bit confused looking at overlap. It looks like I could use more mid-cap? Any general advice you all have for a noob who's had to slowly become financial literate on their own?  

jasta85

I have about half my investments in VTSAX (Vanguard total market fund) which is primarily S&P500 with a little bit of low cap for diversity. I checked recently and the top 10 stocks that make up the fund are all tech stocks (Amazon, Tesla, NVIDIA etc) so even if you invest in an S&P500 fund you're going to get a sizable chunk of your investments in those stocks anyway just because of how huge they currently are.

vn2017s

You can recover, but takes long time. Make strict rules. No margin. Put 90% in VTSAX, 10% do option trading. I suggest MF version. As you can't trade it like ETF VTI . It curbs the impulse trading. If you have side job, slowly add money. Withdraw if you have winning week and spend it.

SirTrentAlexander

Can anyone give advice if my investment mix for my Roth IRA makes sense? I’m 30 years old and want to be more aggressive to maximize gains. I don’t care about the ebbs and flows of losses, just maximized long term growth. My Investment Mix: VTSAX 65% VUG 11% VGT 11% VTIAX 7% VTWAX 6% I definitely want to stay invested in VTSAX & VUG. I’m thinking I might need more VTIAX or VTWAX (not both?) to stay invested in the international market. Maybe more in VUG and less in VTSAX? Again, looking to maximize long term growth. I’m more okay with going heavy on US Market versus international because I’d like to bet more on the US than the world, so don’t want to be diversified internationally just to be “safe”

No-Needleworker5429

VTSAX for 1 year while you watch then re-evaluate.

RisingPhoenix05

What resources did you use to research your most successful trades? I'm new to this, sticking to index funds and VTSAX until I make more money/max out the accounts for the year. I find the researching really overwhelming, and just refer to the subs' opinions on companies.

Gimme_All_Da_Tendies

This basic dude ain't making 52% a year in VTSAX.

Hopczar420

VTSAX or the like is the easy answer

maxpowerz2

Put $23k per year into your 401k in VTSAX or equivalent and wait 15 years

GailaMonster

in my job - i am asked to think of opportunities, but have never had AI (specifically Harvey) save me any time whatosever. the ONE time it had potential was for german translation that would not break confidentiality agreements in a case, but ultimately we got a german-speaking attorney instead. In investing? NEVER. too much sycophancy to trust any model IMO. but i am a largely passive investor who likes long-term, broad-based index investing like VTSAX/VTI/VFIAX. I buy more automatically thru my 401k, plus additionally in my brokerage account when I have extra money. If i'm getting nervous aobut things being broadly overvalued, I pay down my mortgage (5.625 percent).

sheiko_x_smolov

100% VTSAX (or whatever the cool kid equivalent is these days).

Ok_Pack5153

VTSAX and chill. SPCX will get added and you will get your share. https://preview.redd.it/zhdhldzptw7h1.png?width=600&format=png&auto=webp&s=563a922c84a510b031e3cc39bdb2878219c37e84

CenlaLowell

Yes, VTSAX

nachoman_69

If you have a total stock market index fund, like VTI or VTSAX, you're one of those people lol, and if you have an index fund of the nasdaq100 you're one of those people like 5x as much.

Reign_of_Kronos

Problem is he still got in on NASDAQ and other indexes like VTI, VTSAX… sucks for people like me who are mainly in VTI vs VOO.

thewimsey

>This is not about profit, this is about principle. If your principle is "never invest in index funds", yeah, don't invest in VTSAX. And it seems like that is your real issue. Buying the entire market means ... buying the entire market. This isn't really about SPCX; it's about active management vs indexing.

One-Seat-4600

What about mutual funds like VTSAX?

Exciting_Vast7739

VTSAX. Own everything.

Beautiful_Benefit319

You want a low cost weighted total market index fund. VTI or VTSAX. if you want US equities plus international exposure, use VT. These provide wide diversification and it’s very difficult to beat these index funds with your own basket of individual stocks

AnnO55783

The index inclusion issue with mega-cap IPOs is real and worth thinking about. DFUS and similar Dimensional funds use a profitability and value screen that naturally limits this exposure, which appeals to people who are bothered by buying something at any price just because it got big enough. In my experience the fee difference from VTSAX is modest and the factor tilts have long-term historical support. Whether the IPO-exclusion effect is worth it is harder to measure, but the underlying portfolio construction philosophy is sound.

csm5698

Why’d you move? I have both VFIAX and VTSAX and invest in both recurringly because I can’t choose one vs the other

CenlaLowell

VTSAX and stop thinking about it

Live_Wishbone5108

It’s all good. There are a lot of tickers out there. I would bucket ITOT in the same category as VTI and VTSAX. The important thing is that if you’re looking at buying a broad market based ETF such as one of those or even the Russell 3000 for example, your portfolio will very very very likely end up at that the same place at the same point in time in the future. Sure, 0.01% - 0.10% total return difference over that time period but your balance will be roughly the same. Pick one. Stick to it. Trust the process. Buy more and invest often. Rinse and repeat. Use all that time you saved and go do something more fun with it lol

StandardBumblebee620

Thanks! AVUS seem to look really good. Looked at their holdings and they don't even carry Nvidia in their top 10, and they still manage to outperform VTSAX.

StandardBumblebee620

No. Index Funds do invest in IPOs. VTSAX will invest in 100% of the float of SPCE, which is about $75 billion. The real difference in this IPO is the sheer size.

Spritesgud

Roth IRA is a type of account that has limit and withdrawal rules. You put post tax money in, and when you hit retirement you can withdraw tax free. Where on the other hand, an IRA or 401k uses pre-tax money and is taxed on withdrawal. I would open a vanguard IRA and throw whatever you can into VTSAX (the fund name). When tax time comes you will be refunded the taxes you paid on these contributions as they are technically pre-tax investments. Or just up your 401k at work to meet the match if you haven't already. Those are the easiest starts You definitely don't need to speak to a professional for this, vanguard is a super easy platform. Google vanguard account, open the type you want, pick the funds and done. Also, Roth is better if you expect to pay higher income taxes when you're in retirement, regular IRA is better if you are paying higher taxes now is the simple explanation of the difference

wha2les

Sure. I use S&p500 as the index example because they still have balls. SPTM is just the S&p version of VTI which is the etf version of VTSAX.

Days_End

People are in things like VTSAX to avoid the somewhat arbitrary activist decisions of the SP500 and Nasdaq committees. A "total market" fund is designed to be total market as such including things like the SpaceX IPO is pretty much the whole point.

StandardBumblebee620

I'm neither talking about S&P nor NASDAQ. I'm talking about broad market funds like VTSAX. Maybe we have different ideas of what capitalism is, but relying on the passivity of millions of investors to prop up your IPO is not my idea of business integrity. But hey, you're entitled to your opinion.

Status_Reputation586

So don’t buy VOO or VTSAX? lol

GailaMonster

just moved my entire 401k into VFIAX. I've been VTSAX previously. Just gonna wait this shit out a bit, it's a no from me dawg. Primarily, I just don't want to reward kowtowing to billionaire bullies so they can unload their stocks on my retirement portfolio.

hellobubbles1

VTI and VTSAX will be affected fyi

arcanition

Depends on if you count buying VTSAX as "trading" or not.

Suspicious_Outcome56

If I own VTSAX and believe the coming IPO's from space x, Open AI and several other AI companies are significantly overvalued should I consider selling and eating the tax cost associated with this choice? If so do you believe the snp500 or vxus would be a better long term strategy for a taxable account

zxn11

VTSAX would be to diversify into the ENTIRE market.

ResponsibilityFine13

I bought more VTSAX.

AndroidMyAndroid

OP buys one share of VTSAX and the US economy collapses

blorg

VTSAX is the same thing as VTI, just a different share class. It's total market so it will be including it, as a total market fund should. It weights by free float so that's only $75b, it won't be a large chunk of the index.

redwildflowermeadow

Does that mean VTSAX (the Admiral Shares mutual fund equivalent of VTI) will get it too?

selemenesmilesuponme

And VTSAX?

mposha

Does this affect VTSAX?

HappyCaterpillar2409

Once RDDT skyrockets you can sell and move into VTSAX The capital gains will be offset by these losses.

bigmac9

My VTSAX has been popping off since I started buying (about 21 percent YTD) Recently I’ve been getting the itch to get into the international markets but all the research I’ve done points to the US Stock market being the best bet. Is it a good idea to rebalance or just start with new contributions? Thinking of 75-25 VTSAX VTIAX. It’s in a Roth account so no tax issues.

ImTomLinkin

Or net worth sitting pretty in VTSAX and nothing to do:P

BrokenFarted123

It's probably best to pay off the rest of your truck loan as a first step. I'm guessing your interest rate might be around 6-8%, so if you pay that off you can think of it as gaining 6-8% (but more realistically, you're simply not losing that money). If you want higher growth and higher risk, go with straight equities - stocks, ETFs, index funds. Don't bother with bonds right now. Put 50% into VTSAX or a similar broad market index fund, it'll grow but won't be super risky. You can put the other 50% in high growth fund or try to pick individual stocks, but if you're not experienced and don't plan to be actively involved then index funds and ETFs are the better path. Lastly, I saw your other comment about a fiduciary/financial advisor. All fiduciaries are financial advisors, but not all financial advisors are fiduciaries. Fiduciaries are required to act in your best interest, while financial advisors can choose investments which earn them higher commissions even if cheaper/better options are available. Doesn't mean all FAs would do that, just be aware.  Good luck!

ArcticSlalom

Total US Stock Market Index Fund. Something which exposes you to 2-3000 companies & has a small fee. I’m a VTSAX kinda guy, myself.

InvestingNerd2020

Sadly, no! Don't worry too much about it. Many of us holding any brand Total USA index mutual fund and Total USA ETF will get hit with SpaceX too in our top 10 holdings. Examples: VTI, ITOT, SCHB, FZROX, FKSAX, SWTSX, and VTSAX.

Responsible_Ad4791

I invest in VTIVX and VTSAX both are index funds. Elon's slop is going to be added to them. His companies hardly even generate any revenue outside of starlink.

lance_klusener

VTSAX and chill gang represent

cambridge_dani

VEMAX, VTSAX, and VFWAX. I think consenseus now is there is probably a better international index fund than VFWAX, but I have had it for a long time and I'm lazy.

joethetipper

What about other total market funds like VTSAX or FSKAX?

CornOnTheKnobs

This is a massive overreaction for the majority of popular funds that use float adjusted market cap. This considers only the shares available to the public. This is like 99.97% for Microsoft, for example, but only 3 or 4% for SpaceX. This means something like $70-$110 of SpaceX exposure per $100,000 invested for VTI/VTSAX. The whole point of index funds is that they handle exactly this kind of situation automatically.

RJ5R

same with buddy of mine but is just 100% QQQ for the last 20 years. nothing else out of pure laziness....said he shovels every available penny into it and doesn't even think about it he has almost $5 Million just sitting there in his fidelity account in just QQQ....dude knows nothing about investing and is crushing it making my VTSAX and chill look like amateur hour

winniecooper73

VTSAX and chill