VTSAX

ForestyGreen7

Long term go for broad market funds like VTI/VTSAX/SPY. If you have stomach for risk you can allocate a portion to something more aggressive like QQQ

_doubleC

I have 400k in VTSAX. I’m just mostly regarded. Not entirely.

Brilliant-Pomelo-982

I don’t think there will be a rotation into small caps. I think larger companies will have a size advantage with AI. Either way, a total stock market index like VTSAX nicely covers small cap and large cap alike because it invests in the top 3,000 companies.

arcanition

Because you're in /r/wallstreetbets where most people here are neck-deep in options contracts. Each options contract has an exposure to 100 shares. So if you have your $200k net worth in VTSAX and it goes down 2%, that sucks... at least you have $196k left. But if your $200k net worth is in Robinhood in SPY calls that expire in 2 days, that 2% drop isn't 2%... it's more like 90%.

highastronaut

I just bought MSFT, AAPL, and NVDA this morning. My first time venturing out of VTSAX. I am so sorry.

jbacon

That's why I don't invest that way - I only own various index funds, and RSU/ESPP stock from my employer. Things come and go, but the market always grows. My new RSUs get liquidated as soon as they vest, and get converted into something else for a net-zero capital gains burden. I have plenty of ancient RSU/ESPP shares laying around, don't need to keep more. Technically speaking, every RSU I sold to buy VTSAX was a mistake returns-wise, but past me had no way to know that. I just implement a broad strategy, and leverage time instead of specific picks. There's little point in measuring performance against a historical omniscient stock oracle.

HeaveAway5678

https://jlcollinsnh.com/2012/09/26/stocks-part-xi-international-funds-2/ > Since almost every other allocation you come across will include international, why not the Simple Path? Three reasons: added risk, added expense, and we’ve got it covered. > > Added Risk: > > Currency risk. When you own international companies they trade in the currency of their home country. Since those currencies fluctuate against the US dollar, with international funds there is this additional dimension of risk. > > Accounting risk. Few countries, especially in emerging markets, offer the transparent accounting standards required here in the USA. Even here, companies like Enron occasionally cook their books and blow up on their investors. The weaker the regulation the greater the risk. > >Added expense: > > VTSAX has a .06 expense ratio for rock bottom costs. While cheaper than comparable funds, even low cost Vanguard International Funds have expense ratios at least three times that level. > > We’ve got it covered: > > With VTSAX you own ~3600 companies, virtually every publicly traded company in the USA. More to the point, the largest of these are all international businesses, many of which generate 50% or more of their sales and profits overseas. > > The top ten holdings of VTSAX, for example, are all international in scope. Apple, Microsoft, Amazon and the like. > > As are the S&P 500 which make up ~75% of VTSAX. This article has a cool graphic of showing the international exposure the S&P 500 companies have. Who would have guessed almost twice as much in Africa as in South America? > > Since these companies provide solid access to the growth of world markets, while filtering out most of the additional risk, I don’t feel the need to invest further in international specific funds.

BallerGuitarer

I've been tilted towards small and mid caps, as well as international, each at 10%, and then VTSAX at the remaining 70%. VSMAX and VIMAX have had a nice little rally over the past couple weeks, but I imagine it'll cushion any blow that a crash from tech would result in.

gobeavs1

VTSAX and relax

Soapy_Burns

Spend less than you make. Invest the rest (in an index fund like VTSAX). -JL Collins, A Simple Path To Wealth

pbspry

> I see a ton of stocks at their all time highs right now That's more frequently the case than you'd think, and it's exactly why investing in broad market index funds is strategically the best way to go. Invest every single month, regardless of whether the market's currently "high" or "low". At 23 you have a solid 40-50 years of market growth ahead of you, any market up-down fluctuations in 2024 will have the equivalent effect of a moth's fart when you're looking back on your investment earnings in 2064. The important thing is to invest early and invest often. Set it on an automated schedule, and don't fuck around with individual stocks. VTSAX is a great option.

IllPurpose3524

$10,000 minimum to invest in VTSAX, 5% commissions on stock trades, and you would read about stock changes the next day in the paper. Real time quotes weren't even that common until like 2014.

Bbombb

I'm just a VTSAX guy. I don't look into anything else anymore. I would rather spend my time/effort elsewhere and I think it (VTSAX) gets the job done for me. Some people like to actively look at their investments and manage it. That just wasn't me.

Sonarav

- I invest the full amount into Roth IRA (VTSAX) on January 1. - I invest into Target Date Retirement fund for my employer sponsored fund with every paycheck.  Not much thinking happens, takes the emotion out of it

holymacaronibatman

Paging /u/ALL_IN_VTSAX

BigPharmaWorker

I opened up a UTMA account with Vanguard (VTSAX) with the initial $3k for my niece and have been putting in $25/week for her. Both of her parents are bad with money management and I wanted to give her a head start in life in the event I’m not around. Returns have been great so far and I’m excited to teach her about money very soon.

KrustyLemon

VTSAX and chill.

socal8888

VTSAX. HYSA bond downpayment for real estate

KCWCM

I would just do 70% VTSAX or similar and 30% VTIAX or similar and let it rage 🤙🏻

BallerGuitarer

I sold today. I bought in January, and truth be told I was gambling. I came out ahead, cutting my losses, and putting the rest in VTSAX, VIMAX, and VSMAX and relax.

No-Maintenance5378

I bought $88 worth of VTSAX

Nonconformists

Collared polo shirt and long pants are fine. He won’t care. The broker wants to make money off of you by selling you something. Maybe whole life insurance, annuities, or managed mutual funds. If you now have money, go read the advice on receiving windfall money, somewhere on Reddit. Basically, don’t tell anyone. Don’t buy anything big right away. Pay off any high interest debt. Invest most of your money in a total stock market index fund like VTSAX at a broker with very low fees. Put the rest (12 months of expenses or so) in a HYSA ( high yield savings account) which currently pay around 5.25%. If you have no desire to manage your investments at all, feel free to pay Vanguard or Fidelity or Schwab or whoever to do it. But don’t pay for things you don’t need.

arcanition

I've been investing my Roth IRA for about 9 years now (annual limit each year). The money is split between VTSAX (total stock market) & VBTLX (total bond market), about 80% VTSAX and 20% VBTLX. The performance has been an annual average performance of 9.20%. VTSAX has actually averaged a little higher than that (about 12% annually), but the bond market has performed poorly over the last 9 years.

Sufficient-Name2302

It's not too late to start a 529 savings account for your kids. Consider a balanced approach with some in VTSAX for growth and the rest in more conservative options like target date or bond funds as college nears.

helpwithsong2024

VTSAX has at CAGR last ~10 years of 12.43%, so it's totally worth it. $10,000 turns into $30,544.78. If you kept investing into it $10,000 a year (say every month) you'd have invested $90,000 and it ballooned to $219,424.23!

Rock-n-RollingStart

VTSAX? I'm pretty sure this guy actually wants returns so his kids can pay for school.

Remarkable_Capital25

Youll need a parent or guardian to open a custodial account. Its fairly simple but you may need to go in person to an office, so that may affect which broker you work with (i.e. whichever one has an office near you). I had to go in person when i was your age (about 14 years ago so this may have changed by now) If youre going to get a custodial account, make sure you can trust tour parents not to fuck with your money. I started mowing lawns at about 14. My parents had a nice riding lawn mower theyd let me borrow and id drive it through the ditches and parking lots, staying off the roads, to a few family owned businesses near me. I learned to write up invoices and hassle people for payment lol. I learned to advertise and negotiate. I did not learn about taxes because, God love em my parents paid the few hundred bucks i ended up owing at the end of the year. I put some of the money into a TD Ameritrade account and bought stock in a few companies i was interested in. One of them was Bank of Hawaii and one was Sigma labs, neither of which performed well. Looking back, i wish i had just bought an index fund and chilled. I didnt really learn much from investing except that its not really worth trying to pick individual stocks. Learn about index funds instead. Theyre a super powerful investment vehicle and will likely be a substantial amount of your portfolio for life. Youll likely land on like, VOO, SWPPX, VTSAX, and for a little fun and excitement, VGT. The most valuable skill to learn at your age is the power of compound growth, patience, not fucking with your stock account too much, and using your money wisely. And often, that the boring stuff is usually the best stuff. If you stay on the track of saving, investing, working, and dont get stupid with debt (like sooooooo many Americans do) youll easily hit your FIRE number (another good research rabbithole for someone your age) in your late forties, early fifties. If youre willing to bust your ass.

Difficult_Ad_3585

Looks like this week I will more than likely be changing all my underperforming blended funds as mentioned above (stocks portion of portfolio) over to VTSAX/VTIAX since my 304-B is with Fidelity. My sister-in-law lawyer who knows this stuff, along with her advisor are meeting with me Tuesday to just hear what I’m doing & give me one last bit of advice. Any reason you can see why they would try to change my mind? I see no reason at all to stay in an underperforming blend of mess when I can get in good index funds. Only thing, I wish I had done this 2 years ago at a better price per share. I also want to upgrade my bonds that are individually blended all over the place. I like simple, so a total market bond index fund a good way to go? Any ideas on a good, simple bonds setup I would appreciate. Thanks.

Pure-Sherbert996

VTSAX & chill.

countrygrl55

This is an old post, i know. But should i buy 3k of VTSAX now or mid November?

DryGeneral990

Most people's 401k is in VTSAX or equivalent.

Sonarav

We are.  - I'm all in on VTSAX for Roth IRA - I'm all in a target date index fund for employer sponsored plan (best option I have but still close enough)

salazar13

Both. I do VTSAX (total market) in my IRA and an S&P500 index fund in my 401K since that is the closest approximation among the options in the plan. There is enough overlap between VTSAX and an S&P500 index fund that I wouldn’t overthink the difference imo

n3w57ake

Thanks for the answer. Isn't what you just mentioned ("some" protection) offered by the target date funds? This is where I was thinking of "moving" half of the VTSAX and maybe the whole Roth (which is really not much).

Difficult_Ad_3585

No doubt.. I’m already in the market, I just don’t like the fee heavy underperforming funds in my stocks portfolio in particular & was favoring a move to simplify…total index fund for stocks, total index fund for bonds. I just wish I had made this move a year ago before this bull market (got in at lower price per share). But, the market goes up.. and who knows, the current share price for index funds like VTSAX or VTI may be a new low for a long time, & it may set new highs &’stay there awhile. If not, & we do have a major correction & it goes low, we ride it… and the nature of the market is to rebound & come roaring back again. I’m just at retirement stage, so my situation changes somewhat on tolerance to the ride & risk.

fatheadlifter

Yeah so slice off a portion of that 50k, say 25k of it, and put it in the market. You want to be in a broad market index fund, like SWPPX or VTSAX. Research that and do it, you won't regret it. Solid growth over time, basically set it and forget it.

corey407woc

book changed my life. Just buy VTSAX, ignore the noise and live your life

Reasonable_Pause2998

I would place a $100k bet right now that VTSAX will out perform the majority of this subreddit’s users portfolio over the next 20 years.

brianmcg321

Mostly VTSAX or if my 401k didn’t have a total market index I would use an S&P 500 and an extended market index or a little mid and small cap indexes.

CrazyIvan51

Index funds always perform well over time. VTSAX is good, but would allocate 10-15% to a bond fund, e.g., VBTLX.

ashjohnr

If you're young and don't mind taking a little risk, you can pivot to MSFT or GOOG. Personally, I would wait for a pullback (potentially after their earnings call) and buy lump sum. The pullback may or may not happen. Till then, you can continue purchasing VTSAX.

secret_configuration

Should've just went with 100% VTSAX or 80/20 VTSAX/VTIAX. I'm 60% VTSAX, 20% VPMAX, and 20% VTIAX in my IRA.

fleasnavidad

Haha my bad I need some coffee! You're totally right and I edited the post and removed that part about diversifying since VTSAX is very diverse in itself. I mean to ask if it's a wise strategy to pause my $100/wk in VTSAX at any point and shift it for a while into a top stock. I realize with this "long game" I should just shut up and do nothing. Unless y'all can help point me in a more creative direction. :)

SirGlass

No the confusion is probably because most Mutual funds are marginally less tax efficient vs ETFs however by marginally I literally mean a few dollars per 100k invested , mostly an unnoticeable rounding difference unless you have millions of dollars , and this only applies to taxable accounts , inside an 401k/IRA/Roth it makes zero difference as those taxes do not affect you However vanguard sets their mutual funds up as dual class structure meaning most of the MF have a corresponding ETF as well , they really are the same fund what makes vanguard MF just as tax efficient as ETFs So holding VTSAX in a taxable account is really no different from holding VTI the ETF equivalent

EveryPassage

Where did you hear that? VTSAX is pretty tax efficient.

savvybackpacker

My brokerage account is currently all VTSAX but I heard that might be a mistake tax-wise. Is this true? If so, what's a better approach?

_Kramerica

That allocation seems a little overcomplicated. Just go 80% VTSAX and 20% of whatever the Vanguard US Total Bond Market fund is. You can work in some gold funds if you feel bonds are dead, but I don’t think they are (although 40% allocation is high). Increase the bond allocation as you get closer to retirement.

AprilFlower09

This is not a financial advice. I recommend keeping 3 to 6 months worth of expenses in a HYSA. Invest the rest of the funds into total market index. VTSAX or VTI are both great low expense total market index.

Zealousideal-Ad-7936

Yep, I get you. I will also take a look at the VTSAX now. Thanks!

BallerGuitarer

If we're talking about knowledge about investing, I would put it all in VTSAX and relax. If we're talking about knowledge about how the stock market performed since I turned 18, I would put it all in AAPL. I do not suggest currently putting it all in AAPL today.

dafaliraevz

I have invested in VTSAX since 2010 and its equivalent at Fidelity since 2015. I can stop contributing to my 401k right now at 34, and just my 401k, assuming 8% gains, will give me $3M by 60, and it could go as high as $4.5M per Fidelity’s calculator. That doesn’t include my IRA or my brokerage accounts. I see no need to do short term investing, holding stock for a few days or weeks or months. I’ve been invested in MSFT since 2019 but that was from a small investment that I’m considering just moving it all to VTSAX. Hell, I’m debating unsubbing to this place. It’s just a bunch of people trying to accelerate their gains and putting stupid risk on themselves because of greed.

Spiritual-Ad-1118

Hey all, I'm sorry if this is repeition for anyone - I'm 25M who has lived majority of his childhood/early adulthood working insane amounts of hours and supporting my family. I have always heard of investing and seen other people get into but due to fear of the unknown I never did until now. I make about 200K in NYC, my objective is to buy a home later on/ pay off my parents home in the next few years but don't want to risk my savings.. I have a 401K from my work that is doing good and I created a Vanguard account as well. I have invested into the basic VTSAX and VTI as my first few trades. If someone could help guide me with the following I'd appreciate it so much! 1) Where do you recommend learning how to invest - I've spent the past 5 hours googling and the information overload is insane, is there like a consolidated place you learn from or if you could go back to your beginner days how did you learn the different types of investments and etc and become successful? 2) I see all these investor gurus on social media trying to sell a course, I know a course isn't needed to do this but any recommendations for beginner stocks/etfs? I'm not trying to risk cash as I'm very new but would appreciate any guidance - or if you don't feel comfortable with sharing specific investments can you share what makes a good one to invest in/bad one or guidelines that would help me. 3) I have a 401K with Guideline from my work - as someone who prefers everything in 1 spot can I move it over to Vanguard? I seen the steps on how to do so but does this change anything with my current employer? Will it all still be automated and etc but just lives in Vanguard as opposed to the other platform? I in no way mean to sound like an idiot or "lazy", I have been researching quite a bit but sometimes you just need that saving grace soul to help with that initial push before you can fly. Thank you in advance!!

kiwimancy

You could buy VTSAX in one and ITOT/SCHB/SPTM in the other. I would recommend that in case of wash sales. If you ever sell shares of VTSAX in your taxable at a loss and buy shares of the same fund in your IRA, you cannot deduct the loss on your taxes and you can't get it back later either, because cost basis adjustment doesn't matter in an IRA. If you have less than the yearly IRA limit in your taxable, you can sell from your taxable and contribute to your Roth IRA and re-buy it there. You cannot transfer securities directly from a taxable to an IRA/Roth, only cash.

kiwimancy

You could buy VTSAX in one and ITOT/SCHB/SPTM in the other. I would recommend that in case of wash sales. If you ever sell shares of VTSAX in your taxable at a loss and buy shares of the same fund in your IRA, you cannot deduct the loss on your taxes and you can't get it back later either, because cost basis adjustment doesn't matter in an IRA.

DadsOfAmerica

I sold a loser ETF at ~40% loss around two years ago and moved it to VTSAX and have made ~30% since then. If I had stayed in that ETF I’d still be about flat and have recouped nothing. Opportunity cost is a real thing.

PenchantForNostalgia

On Vanguard, I have both a regular Brokerage Account, as well as a Roth IRA Brokerage account. However, I have VTSAX in both accounts. I don't want two accounts for this. I only want one. Is there a way to combine the VTSAX I have in the Brokerage Account into the Roth IRA Brokerage Account?

jrc5053

My 5 year return is 14.5% and my 1 year return is 22.4% and that's using very simple allocations in Vanguard. I was 100% VFIAX from maybe November 2021. Since January 2024, I'm 92% stocks and 8% bonds. VTSAX: 76.62% VGSLX: 7.82% VTIAX: 8.28% VBTLX: 7.28% I just picked things that matched recommended lazy portfolios. I'm not an active trader. Just figured I'd share

MadMax_08

VTSAX. Invest in the broader stock market, and a low percentage in value stocks that aren’t as affected as dips

AgileSynapse

I agree with most folks here that VOO is a relatively good bet but if you’re looking for another ETF to be ‘safer’ in, check out VTSAX. It’s the entirety of the stock market. It trends upwards as well but not as much as VOO since it covers the whole market and if VTSAX crashes, then we all have bigger problems.

Far-Butterscotch-436

You'll need to save for down payment, okay I'd suggest about 50% in VTSAX and 50% in t bills. In 3-5 years you should have 300k. The problem you might run into is 1) homes are appreciating faster than you can save... investing 50% in vtsax hedges against that a bit. 2) stock market crash The 50/50 I pulled out of my ass, but I recently saved for a downpayment it was 75% bills, 25% vtsax and wish I had put more in vtsax. But that's really just cuz market blew up recently. Just be patient, avoid buying new big boy toys like new cars or boats

Educational-Bar687

Stocks in investing in VTSAX

Apart-Consequence881

I started off as a Boglehead but eventually concluded that I will never ever become wealthy with an average annualized return of 8-12% at my income/savings level. I figure I don't have much money now and have little to lose, I may as well make some Yolo trades. I liquidated my VTSAX mutual fund and went all in on NVDIA before the stock split. What screwed me is the time it took to transfer my money from VAnguard to Fidelity. Had I bought NVDA immediately after selling VTSAX, i'd be up 20% instead of 2% now.

Pub1ius

I mean, sure. My portfolio which is 90% VTSAX looks like this: 2015 $56,732 2016 $76,715 2017 $122,399 2018 $132,734 2019 $210,471 2020 $288,472 2021 $391,671 2022 $342,673 2023 $458,419 Now $528,962

balncdbrkfast

In VTSAX mostly

90403scompany

A target date mutual fund tied to your target retirement year. Or VTSAX and chill.

Final_Reception_5129

VTSAX and hold

ManBearPig_1983

If you want to get the hot/high volatility stocks like the Mag 7, just buy QQQ. You can balance the portfolio with VOO, VEMAX, VTIAX, and VTSAX.

borkyborkus

401ks aren’t anything, they’re just a way to structure an investment account. Your 401k funds ARE “in the market” but your employer might limit your options. Most of my 401k is in VTSAX, if VTI’s equivalent isn’t the market then idk what is. If you don’t like your options and you aren’t making enough income to have to worry about the Roth IRA limit you can put 401k funds from old employers into the brokerage of your choosing under a Rollover IRA account. I think you can sometimes do it with excess contributions in your current employer’s 401k but don’t know the details on that.

roastshadow

you'll have to pay tax on the gains. Sell some. Pay tax. Take part of what cash you get and buy VOO or VTSAX or one of the many other market funds. Take part and put into emergency fund or pay debts. If you have an income, put some money into a Roth IRA, in a market fund.

aniev7373

I agree with high income just set it and forget it. Best thing to do is just buy index funds like a total market index fund or ETF Or SP 500 like VTI, VOO, VTSAX and maybe an international and a bond fund and keep feeding them to build a solid foundation. Maybe r/bogleheads, r/fatfire, r/chubbyfire for high earning income.

bpm5000

The VTIAX is, as I understand it, the international equivalent of VTSAX. And it doesn’t perform nearly as well as VTSAX, but decently. Thanks for your response!

UpDown

It’s because the value you can get is less because of order book slippage. Like Elon can’t liquidate his shares on the market and get 100%, there would be dramatic slippage. But that’s mostly only relevant to people who own a lot of something. That’s not really gonna happen to an individual with VTSAX

brianmcg321

VTSAX Start here : https://jlcollinsnh.com/stock-series/ Buy the book “The Simple Path to Wealth”

McKnuckle_Brewery

>An Index fund is a type of mutual fund.  An index fund can be either a mutual fund OR an ETF. VTSAX is an index fund in mutual fund form. VTI is an index fund in ETF form.

BartSimpsonGaveMeLSD

I’d do 60k VTSAX and 30k VGT.

fn_gpsguy

Instead of all in on VTSAX, you might want to buy 5 shares of SMH. It would give you more exposure to the semiconductors, like NVDA, AMD, etc. See how its returns compare with VTSAX after a year. It might not be a fund you keep for 30 years, but I plan to hold it for at least 5 years.

CiegeGaming

Wow, thank you so much for the detailed response! I will look into that for sure. Do you think it would be worth to move all my money that is currently invested, into things like VTI, VTSAX? Or moving forward investing there?

jbacon

The S&P 500 is +84% over those past 5 years, so those returns seem quite poor. Most of those funds seem to average about a 1.5% expense ratio, so you are paying about $750/yr or $63/mo for the privilege of owning them. As a comparison, owning 100% VTI would cost 0.03%, or $15/yr / $1.25/mo. At your age, I would suggest 100% VTI/VTSAX and chill. As for a brokerage firm, Vanguard and Fidelity are both excellent with many near-zero fee funds. I'm sure you could even mirror your current sector/style mix at significantly lower cost. Up to you, but at lower dollar amounts like $50k, a complex mix doesn't buy you much. Better to focus on growth. Vanguard is pretty barebones as far as websites/apps go, which is why I prefer it. There's no need to do anything besides auto-deposit, so why bother having a fancy website?

JudgeSmalls23

Assuming you will retire with a pension in the next decade, you can be somewhat aggressive with your investing. A mutual fund tied to whole stock market (VTSAX or SWTSX) or a sp 500 (VOO, SWPPX). I gave Charles Schwab and Vanguard options, there are others. If you are comfortable with working a brokerage, use their fund to keep the expense ratio low.

my_shiny_new_account

$155k in VTSAX, $95k in VTIAX

kobeshaqhorry

Just put it all in an index fund or etf like VTSAX or VTI. While they may go down in the short term, they are relatively safe and historically will go up long term. You could make more on riskier assets like individual stocks, gold, or crypto, but you could also end up losing your nest egg. Make sure you set aside a nice emergency fund too. Maybe 3-6 months of expenses in a high yield savings account, which are currently paying 4-5%.

Gliese_667_Cc

VTSAX

iliketohideinbushes

any feedback on my savings? 43 yo salary $400k/year, but could go to $100k/year or so any day (risky occupation) No debt, house is owned like to retire in 10-15 years $60k in fidelity 401k - 75% fid 500 index - 25% fid mid cap idx $400k in vanguard personal acc - VFIAX 16% - VMGMX 5% - VMVAX 9% - VSGAX 8% - VTSAX 10% - VWIGX 2% - VWUSX 18% - VOO 17% - GOOGL 15% $200k in vanguard sep-ira - VFIAX 50% - VSGAX 25% - VTSAX 25% thank you

Luxferro

Lets say you have a portfolio worth $1M. $500K is in retirement accounts, $500k is in your brokerage. The $500K that is in your brokerage is $200K VTSAX and $300K VUSXX. Your options are: 1) lump sum the $300K that is in VUSXX into more VTSAX in your brokerage, giving you $500K VTSAX in your brokerage. Live off your mediocre salary and struggle to max out your 401K, HSA, and roth IRA each year. 2) Use your $300K that is in VUSXX to indirectly enable you to max your 401K, your HSA, roth IRA, and the rest into roth 401K via mega back door roth, fully consuming your salary while you use the VUSXX cash to pay bills. Which option do you choose? I feel like #1 gives the least options - just back to the grind of working. And option #2 gives you many options, including the ability to buy a dip/crash it an opportunity presents itself, and if not, you're still investing at an advanced pace each month and have $700K in stocks already, that is growing each month. You get to fully fund your 401K, HSA, roth IRA, buy I-bonds if you want to, etc.

Quirky-Attention-204

I did some research and buying the following: VTI: 12,000 VTSAX: 10,000 BDN: 3,000

FizzySodaBottle210

Target date funds are fine so long as they have similar fees as low cost S&P + bond market would have. Vanguard funds are usually a good choice, but if fees are higher than 0.3% yearly, you should just go with VTSAX/VTWAX + VBTLX instead.

BrightAd8068

save up 25k first, by doing slower, longer, more stable trades. or do what will work for 95% of the people who lack the brains for options, and passively do VTSAX/SPY/indexes

crunchwrapsupreme4

This top heaviness is still present in more diversified indices. MSFT, AAPL and NVDA make up 16.7% of VTSAX and 9.4% of VTWAX.

wolley_dratsum

I set a goal a long time ago to own 10,000 shares of VTSAX. It's my shopping addiction I guess lol. Only 250 more shares to go to reach my goal.

FlaccidEggroll

Passive value funds are a waste of time, in my opinion. Go with VTSAX, or mix VTSAX with some VITAX if you like tech and can handle the volatility.

brianmcg321

Pick both. VTSAX

micahhalpert

Not sure about the life insurance part, but agree that “paying” off something you are basically getting floated for free (3% interest) should not be an issue. Buy VTSAX or another broad ETF/Mutual. Hell, there are even high interest savings that pay 5%. Put your money there and don’t worry About the low mortgage rate.

NearbyImagination585

Yup that makes sense. When I was invested into Realty Income, for years it was stagnant. I finally had enough and bought VTSAX. Best decision ever.

brianmcg321

Just use a total stock index, like VTI or VTSAX.

GurDry5336

Pretty simple. VTI or VTSAX and maybe some VSUX

NearbyImagination585

Ok fine. I changed it to 1990. VTSAX still on top. Numbers don't lie.

boxofducks

I backtested Bitcoin against VTSAX and SPY from 2019 until now and it outperforms it by a significant margin. Why would anyone with 20 years until retirement buy a diversified stock fund instead of crypto?

brianmcg321

VTSAX with Vanguard or FSKAX with Fidelity.

repost4profit

You take 490k of it over to r/personalfinance and do as the wise investors do e.g. VOO or VTSAX. You keep the other 10k in a brokerage account and yolo with the highly regarded members of WSB.

needmoresynths

No one should be holding bonds and cash at 28 years old imo. The 2060 is like 10% below VOO ytd and 4% below VTSAX. Even VTWAX is doing a little better.