VTV

InvestigatorPlus3229

my boomer etf's hit ATHs, VTV, SCHD, VNQ

I_luv_CHPY

What's funny is that a high flying tech stock like MU already qualifies to fit inside a value ETF like VTV as its #1 holding. Makes you wonder how low the FWD PE and PEG ratio can go.

TheCozyRuneFox

I like VOO or VTI. These kinds of funds are where most of the money should be. Coca-cola is a good company. No reason to sell it at all. Just hold what you have allocate new money to index funds. you can definitely take on some more risk at your age. Keep it like under 20% of your portfolio tho. If you want to take on a little more risk but not insane, you can look at strategy ETFs like VTV, VUG, GARP, SCHD and such. these are diversified but still potentially carry more risk than a broad index fund. If you gonna do individual stock picking learn value investing.

InvestingNerd2020

Either VTV (Large cap value) or SCHD. Less volatile because the underlying companies are more stable. It should suffice in a 5-10 year investment.

Arteqt

2 to 10 years is very wide. Will you actually need the 20k in 10 years? I assume you would save so much more in 10 years to the point 20k won't make a difference for whatever expense you are going to have? Do you have any other savings? How much % is this for your total portfolio? Hard to answer without knowing anything. If you wanna stay safe go for VTV or BRK.B . HYSA or Bonds would be safer but thats just losing money to inflation at these rates.

vinylzoid

I came to say the same thing. VOO is 40% tech and its largest position is NVDA. I choose VTV over VOO for better diversification.

glimsky

RSP/EUSA are equal weight ETFs that vastly reduce exposure to companies investing heavy in AI. But they also reduce exposure to anything that is successful. You can also check value funds like VTV and dividend to growth funds like VIG and DGRO for reduced exposure to AI. These funds all have pros and cons, but could be a better fit for you. Note: if there's a crash everything is going to drop. That's okay, that's the market cleaning itself up. The question is how long the recovery will take and different funds have different recovery horizons.

Apart-Selection5680

All ETFs will decline in the event of a crash. Diversification can help only to an extent. I would split it this way - 30% VTI, 20% VTV, 25% VXUS, 25% VUSXX.

Apart-Selection5680

100% outperforms individual stocks over time. If your young consider VUG, VGT. VTV for non tech and VXUS for non-US diversification.

FreddieMac6666

I bought 1 share of VTV.

sharp315

highest growth assets should be in the Roth first (and HSA if you have one as that is the same tax structure). next tier is Trad IRA / 401k - while these accounts are eventually taxable the intent is that you will be retired when you start drawing and so your tax bracket will be much lower than it is right now and presumably lower than any LT or ST capital gain amounts in a taxable brokage. where you allocate bonds will depend on which type of bonds you hold and whether the dividends are qualified or not - either trad IRA or brokerage could make sense. Roth would not. I do not hold bonds but I do hold high yield equities (SCHD / VTV) and keep those in my taxable brokerage.

milkplantation

Correct, OP has no idea what they’re talking about and is just trying to pump MU. VTV rebalances quarterly in March, June, September, and December. It  began accumulating MU in 2025, and because  VTV is market cap weighted, the growth of Micron caused it to balloon inside the portfolio. It will be automatically be trimmed from the portfolio and the next MU will likely be bought and grow. This is how value driven  market cap weighted ETFs work.

anusbarber

i'd rather have more VTV than any SCHD.

joe4942

VTV is green lol.

StatisticalMan

It is one reason I just own VTI and VXUS. Own the market and hope the global economy does well. While VTV is mostly value it is a guess is value will outperform and if it does it is unclear given VTV isn't a perfect proxy for that it will also benefit.

ThetaEdgeHQ

The piece worth naming directly is the cyclical value trap. Value factor ETFs like VTV and VLUE screen on forward P/E, and forward P/E for a deep cyclical is the least reliable value signal there is, because the E is an estimate of near peak cycle earnings. When memory is minting money, analysts mark up forward EPS, the ratio compresses, and the stock screens cheap right when it is most expensive on a normalized basis. For cyclicals a low forward P/E often marks the top, not a bargain. So Micron landing in a value index is not really the index being wrong about value, it is the forward P/E factor doing exactly what it always does with cyclicals near the top of the cycle. The honest way to value a name like this is midcycle or normalized earnings, not the peak estimate the screen is using. Whether you care depends entirely on where you think we are in the memory cycle, which is the actual debate, and the ETF label is just a side effect of that.

srfdriver99

It's not a "looking for". VTV is a passive index fund that follows specific rules. They slice the larger index into "growth" and "value" and allocate stocks to the Growth and Value funds accordingly. Beyond that split, it is a normal cap-weighted passive index fund.

zer1223

Huh? I believe Micron was a value stock BEFORE its price started rocketing up. That's why it was in VLUE for example, and why that ETF has done so well in the last year  The price going up so much only proves that the bet of shoving it in the value basket was a good call. What do you expect VTV and VLUE to do, sell all micron now that it's successful?

doucasandkapetanakis

Yep, VTV used to be JPM and BRK as top holdings, but now MU took over at 4%. Similarly, VYM is now 8% Broadcom (AVGO)… in fact, Broadcom and Oracle make up 10% of VYM which seems wild. SCHD holdings seem to have completely avoided the AI/tech boom, which shows given its recent performance.

HoneyBadger552

how MU sits in VTV and SPMO is wild to me. the market doesnt know what to do w MU

InvestingNerd2020

Either VT and chill, Small cap funds, or large cap value. Little Russell 2000 is up 20% half way through the year. Other ETFs with small cap specific exposure getting above 20% returns are IJR and SCHA. Large cap value is above 14% halfway through the year. ETFs like VTV and SCHV reflect this.

Mammoth_DonkeyKong

I see SCHD and VTV as not only quality dividend funds of a value base, but also decent growers with each gaining an inflation adjusted 9% per year over 10 years. They also win when SPMO doesn't, so I'm creating more winning days and months with this approach. SPMO is the volatility lean, wins big when the S&P is up and not so much when it's down. SPMO rebalances and reconstitutes twice a year to try and rotate to winners consistently. I guess I could look for value based mutual funds vice ETFs, so maybe I'll take a look just to see how they might compare to SCHD and VTV.

Mammoth_DonkeyKong

Thanks for this response and explaining your thoughts. I guess I am being reasonably aggressive but anchoring with stability using SCHD and VTV. This setup helps to have a winning solution more often than not. SPMO is pretty volatile, yesterday the S&P was near breaking even, yet SPMO was down 2.89% because of the weighting currently. On days where the S&P is up 1.5%, SPMO will likely be up 4.5 to 5%. I do understand dividends and that's why I am choosing SCHD and VTV as a value play with decent growth but also winning when SPMO isn't. They compliment each other quite well. As u/gbdgdh pointed out, this setup beats VTI only, VT only, and 70% VTI & 30% VXUS. With a worst case drawdown of -18.5% over that 10 years, which recovered in roughly 4 to 5 months. Maybe the title is a little confusing, but I'm not trying to go so aggressive that I lose my ass with extremely volatile assets. SPMO gaining an inflation adjusted 382% since inception in 2015 is pretty darn good. SCHD and VTV are up over 150% each on total return during the same time period. Given my 10 year timeline, 382% and 150% each in SCHD and VTV sounds pretty good. Given the 10+ year history on each of these, I think they are pretty solid quality ETFs. Lastly, and the real key here, I am all set with my 401K and taxable. Taxable should be generating $60K+ in passive dividend income without selling a single share, then my pension and social security will have me in the $130,000 income range without touching my 401K. I will then begin Roth conversions of the 401K to reduce RMDs. If this Roth plan gains as well as I hope, I may rotate out of dividends in my taxable to reduce tax hit and use the Roth for tax free income. As I said, I'm doing well for myself, so retirement shouldn't be an issue.

HF_bro

Volatility isn’t done yet. It’s a buying opportunity under $1150. Strong buy between 850-1050. Hold and evaluate if the stock falls under 800. That’s my strategy to reduce cost basis and maximize gains. The most conservative fair value is $1350 (with cyclically concerns baked in). If not, it’s clearly a $1500 stock once the kospi and Iran tensions subside. None of the big name institutional sellers are selling the stock, in fact, they’re are and will be buying more. It’s currently the largest position in $VTV, and the second largest holding in VTV is half the value of MU. “Be sus when things are bussin. Be bussin when things are sus.” \- Warren Buffet

jrex035

Probably because the largest holding in VTV is MU which is up nearly 300% ytd. INTC is another top 10 holding, up 230% ytd. CAT is yet another top 10 holding, up 75% ytd with a pe of ~50 and pb of 23. What passes for "value" these days is a real headscratcher tbh. Christ just look at WMT the poster child of "value" with a pe of 40 and pb of ~10

EtherCJ

My thoughts are: 1. This is too complicated for such a small account. And maybe for anyone. Personally I would just pare this down to a three fund portfolio: a total market, an international, and then anything you want to specifically target. 2. There is a decent size amount of overlap with 5 equity index funds: One total market, 4 that basically are segmented as size. Your end effect is basically just a general 80% US market portfolio with some weighting towards large cap (but both growth and value) and semi-conductor. I haven't loaded your portfolio into a tool to check but I'll bet you have some company that you have more weight in that you expect because of fund overlap. 3. I'm not sure 4% in SMH does much for you. Every major company is present in both VTI and either SCHG or VTV. Does this small allocation in a recently popular industry really represent something meaningful for you. 4. I assume your brokerage allows partial shares and has no transaction fees. If not, you may want to consider the equivalent mutual fund instead.

zenyogi2025

You can simply rebalnce your equities to get 30% to 50% into boring Value VTV and another 20% to 30% in cash, SGOV + JAAA at least 5%, reducing tech exposure to less than 20% and increase ex-US to 50%.. Even during the lost decade Value performed better, while sp500 and nasdaq were flat for almost 13 years...

jefflove3

Is buying a large amount of VTV a good way to diversify from tech as my portfolio is heavily invested in tech. I aim to put 4-6k a month into VTV and VEU to get diversify.

Gain_Spirited

Value stocks are holding up today. Right now SCHD is up and VTV is just barely down.

superdreamcast

If you are young, it is better to invest as soon as possible. You can always save 10 to 15 percent cash ($40,000 to $60,000) in SGOV to buy the dip on market corrections. Invest in a broad S&P500 index like VOO or VTI. You can also invest in some portions in growth and/or value ETF because they can outperform S&P500 in some years. I like SPMO for momentum factor and VTV for value factor. How aggressive you want to invest depends upon your goals and time horizon. If you throw it all into the VOO, you will make around 10 percent a year just matching the market ($40,000+). You can lump sum or DCA. Whatever gets you to start investing, do it!

National-Two2417

Vanguard Value ETF (VTV): Excludes growth-focused megacaps. This fund relies heavily on steady financials, healthcare, and energy companies. Consumer Staples Select Sector SPDR Fund (XLP): Provides exposure to companies that sell essential, day-to-day goods. It contains virtually no tech or AI holdings. Vanguard High Dividend Yield Index Fund (VYM): Tracks a broad basket of dividend-paying stocks outside of the tech space. Invesco S&P 500 Revenue ETF (RWL): Weights S&P 500 companies by their actual revenue rather than their market capitalization. This heavily dilutes the impact of overvalued, AI-driven tech stocks.

CapCityPhotos

There are thousands of non-ai related stocks that are reliable. Something like VTV isn't a bad pick. It's a value ETF, the only AI stock in the top 10 holdings I see is micron. Another option might be something like RSP which is an equal weight S+P fund. It'll heavily underweight stocks like NVDA relative to the standard market indexes. It's very difficult to completely avoid AI. All large companies are going to be using it. So even if you invest in Home Depot, some part of Home Depot is using AI. Also I don't see the moral dilemma. LLM's are a tool, just like search engines.

Prestigious_Law9135

all index funds will hold SPCX, and we'll be at risk if insiders sell off during this overhyped IPO. Considering switching from VTI to VTV. What's your opinion?

champagnesupernova62

Not comfortable recommending individual stocks. VTV ,DIA, IVE Oakmt great long term hold but seriously lagging the last few years. Take at look at it's holding.

dami_starfruit

Vanguard value (VTV) excludes a lot of the hot stocks, but you need to consider that those top companies are also the most successful.

dvdmovie1

> QQQ and NANC for VOO Genuine question: if you really believe it's a massive bubble, why not something like RSP instead of VOO given that equal weight has about 14% less allocation to tech? Or even something like VTV with even less tech exposure?

RogueSwoobat

Ah, looks like VTV follows a different index than I thought. IWD looks more reasonable. OP said they had no problem holding Mag 7 stocks other than Tesla. IWD does that.

Badmoodsbear

I would encourage you to go look at the actual holdings of those specific ETFs if you want a good chuckle. #4 and #8 on VTV #1, #4, #5, #6, #9, #10 on IWD. If you want to play the game OP is asking about, you better get more creative. OP -- If you're asking this question to reddit, you don't have a clue. Buy your VOO and go live life.

costanzashairpiece

You're basically describing wanting a value lean. Id just add some VTV.

redditfirefly

Couple of things to think about to stay in US stocks but reduce exposure to the big AI scalers and Mag 7. Reduce VOO and shift some to VTI. Broader set of companies. Or shift some to RSP-a fund that is equal weighted. Or consider some VTV, value fund as a way to downshift your exposure.

Less_Suit5502

VTV only dropped 1.4% compared to 3.8% for VXUS and 2.6% for VOO. So international market got hit the hardest. Energy stocks might be holding up VTV

PokemanAshy

Thought VTV would save me, heh. We all bleed.

counterhit121

VTV and VXUS should be safe

Impossible-Use5636

Depending on your state tax situation, SGOV would be a better place for your 12-month fund Safe and maximize income is a challenge for the 100k JAAA PIMIX SCHP VCSH IEI all "safer" but capping growth below 5% VOO VTV more upside and downside

NoTeslaForMe

Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.

cypherx1

VTV - Vanguard Value ETF

juste1221

Not even true. Historically Dividend and Value ETF's crash just as hard, and often even harder, than the S&P in real downturns. Take a look at the max draw downs in '08 and '20 for VTV, VYI, and VIG Vs. SPY

Acrobatic-Song-3151

I’m approaching 10% in cash, money mkts, for that reason.  VTV won’t crash as hard and I’ll rotate out of it at that time. I did the same with schd back in April, different ways to buy dips. Bonds sure haven’t been helpful during recent dips though.

Acrobatic-Song-3151

Space X, open ai, and Anthropic just filled to go public today. Who doesn’t love the opportunity to invest in trillion dollar companies so private equity can cash out?  Dfus, Vxus and VTV for me. I’m not greedy enough to keep playing this game without cashing in some of these chips. 

Axe_Raider

VTI is whole (US) stock market, and VT is total world stock market. that will make SpaceX a smaller piece. but these "every single stock" funds are much less picky. they let in new entrants after 5 days, and have operated that way for years. if you switch now you will end up getting SpaceX sooner. VTV is a value based fund. if SpaceX is classified as "Growth" it will not be there. it is in either VTV or VUG. i expect them to follow the same rules as VOO since they are VOO split in two pieces, but i have not confirmed this. you may want to go to actively managed funds if you are trying to outsmart the market. or use options to offset the SpaceX and Tesla stock. buy a put and your downside is limited but it will pay off big if the stock drops.

BoomBockz

JFC The joke: 0 exposure to Space X VTV: value companies that make money...so not Space X SPLV: companies with stable pricing... so not Space X

Nervous_Hurry_9920

How the hell is space X going to kill a utilities based etf like VTU? Or energy based like VDE? Or real estate based like VNQ? Or financial based like VFH? Or value based like VTV? 

trvlnut

VTV includes MGV stocks, why would you overlap?

Acrobatic-Song-3151

VTV and chill. I’m with op on Dfus for S&P exposure that will avoid ipo’s

counterhit121

I have a position in VTV specifically as a hedge against tech.

Cyclevisor

AVLV or VTV or SCHD will all help diversify your large cap US to diff extents and differently

PotentSalus

I’ve been buying VTV and IVLU right now. They seem a little less disconnected fundamentally. They are both value ETFs so you won’t get face ripping gains, but I find them quite comfy.

Slight_Taro7300

Time to TLH! I bought into SCHV right before the dip. Sold my position somewhere near the bottom, bought into VTV. Since the recovery, I'm net up + the nice little tax benefit.

Obvious-Waltz-6105

Is holding both VTV and VIG in a single portfolio redundant, or do their underlying screening methodologies offer distinct enough risk-mitigation to justify holding both?

Acrobatic-Song-3151

Yes, I own a ton on Vym and VTV too. Schd has ran enough I’m not adding here.  VGT is a sell too

EmergencyFair6786

Can you buy, please? I just want to load up VOO and VTV at better prices. 

InvestigatorPlus3229

VTV

BuyMeaSalad

I know you said you’re more interested in individual stocks, but you could just go with VTV for diversification. It’s only 8% tech and you can just not think about that part of your portfolio. You did well picking your own growth stocks stick to that and let the boring stuff work itself

Negative-Place1822

Final adjustment. Im now holding only hold MSFT, PLTR, NVDA, VOO, VTV, SCHD, SCHY, QQQM, RKLB, MLPI, TSM. I think this aligns with my goal to be growth and Dividend focused. Planning on primary increaseing the ETF's, reinvesting any dividends, and growing the single stocks over time. As I invest more Thanks everyone for the advice. Any other or additional advice is welcome as well.

MachuMichu

Not sure about what would be available in Europe, but there are ETFs like VTV that only hold stocks that fit certain value criteria. Avantis has some good ones that are actively managed for a reasonable fee. Any broad market index fund is going to be skewed towards tech, so if you want a value tilt I would look specifically for value ETFs

flumydumdum

1st: talk to a financial advisor. If you have a Fidelity or Schwab account you can get free counseling. 2nd VOO and SPY are essentially the same. Diversify into something that isn't overlapping with them, like VTV or SPXT. alternatively VT (world) or VXUS (companies outside the US) might be good too. 3rd: Avoid individual companies initially. If you want to learn, start paper trading for a while. Again, you can "fake buy" stocks with Fidelity and Schwab as well as access a plethora of their information online.

Wise-Start-9166

Dang. This is quite a list. I would keep Microsoft, Netflix, Service Now, Tesla, Mercado Libre, Palantir, Taiwan Semi, Rocketlab, Lulu Lemon, Shopify, Applied Optoelectrics, Astera Labs, Credo, Coherent, Lumentum, and Nike. Then sell the rest and roll available funds into a broadmarket value ETF like VTV because going all in on a few stock sectors in these amounts is way out of alignment with my risk tolerance.

HoneyBadger552

SPMO and VTV. add in some VEU for pan pacific. moon

everySmell9000

horrible formatting. instructions unclear, buying VTV instead.

HoneyBadger552

returns are horrible for SCHD compared to any SP500 index fund. Its not even close. Even a factor etf like VTV will wipe the floor with SCHD

IntelligentKey6929

Generational wealth has historically been built in one of three ways: 1. over generations; 2. Off the backs of others (serfs or slaves); or 3. it was stolen. Don’t worry about generational wealth. Focus on investing for your lifetime and perhaps for your kids to have a good start (e.g. college/house fund). I’d recommend a broad based ETF like VT for you, perhaps a value fund to start, like VTV. Just understand these are crazy times. You could see your $20k halved this year. But then it could become $25k in 6 months. You never know short term.

Healingjoe

Yep, another good choice is VTV - vanguard value index fund ETF There are others that do similar things, like DFUS

angcritic

Consider QUAL and VTV as alternatives to QQQ and VOO or some balance.

Existing_Rice_4362

I'm considering adding a value tilt to my taxable brokerage account. I've been reading about Avantis and their AVGV fund, and it seems like a fairly interesting approach compared to fully passive competitors like VTV.  Do any of you have opinions on it?

HG_Tannhaus_

Value stocks. VTV

harrison_wintergreen

Still rich by any reasonable standard, for the broad market. On a recent episode Jack Hough's podcast, he pointed out that value stocks (represented by VTV) were only relatively cheap, as they were trading at multiples higher than the long-term average of the overall US market.

Still-Syrup-438

I use trade triggers to protect profits and have held a lot of XOM and VTV long term for dividend income so am still in the green YTD.

Ok-Opportunity642

This blend is actually quite aggressive for a 15-20 year horizon. While the cost efficiency is excellent, you are essentially double-dipping VOO with VTV and VGT. This creates a concentrated bet on one sector that will likely fall harder during a market correction compared to a simpler approach. I usually use the portfolio cross-referencing on trylattice to spot this kind of diworsification and check stock filings for better geographic balance. A simpler 70 percent VTI and 30 percent VXUS split would give you similar growth potential with way less maintenance and better diversification.

Phlawless_Phallus

So… you want to overweight large cap value (VTV) while also overweighting large cap tech (VGT) and then overweight small and mid cap growth? What on earth is your justification for this mix of funds?

HeavySink3303

Any value or dividend focused like VTV, VYM, SPYD/SPYV, SCHD and so on.

visagedemort

Portfolio 1: Value: IWVL (VTV) | **Dividend: VHYL (VYM)** | Growth IWQU (US: QUAL) - CNDX (US: QQQ) Portfolio 2 Value: IEVL (US: EFV) and ZPRV (US: VBR) | **Dividend: FUSD (US: SCHD)** | Growth: CNDX (US: QQQ) What do you think?

visagedemort

Hello everyone! Recently I turned 23 and I have decided that it is time to get myself into investing (could have earlier but I would say it is still early) as having money sitting on the bank that I do not use and inflation grows is not ideal. I have opened an account with IBKR and I live in Europe (and will also be travelling to a different country from where I currently live but still in Europe) and thus I do not have direct access to ETFs such as SP500 etc etc I will be investing around 3-4k for a start, and as much money as I can monthly, but at the start of the next year I will get access to around 12-15k more which will also be invested into my portfolio. I did a little bit of research and I have decided that I prefer not go with a single global broad market ETF as I would like to have a bit more control where I invest my money as the months/years come by. And thus by going through ETFs, different posts and videos collecting information I have decided to go with one of these portofolios: **Portfolio 1:** **Value: IWVL (VTV) | Dividend: VHYL (VYM) | Growth IWQU (US: QUAL) - CNDX (US: QQQ)** Portfolio 2 Value: IEVL (US: EFV) and ZPRV (US: VBR) | Dividend: FUSD (US: SCHD) | Growth: CNDX (US: QQQ) As I am not that experienced yet, I will be looking into your feedback and insights!

CornerOne238

Buying individual stocks is incredibly risky. If you are concerned about tech valuations buy industrial etf like XLI or value stock etf like VTV.

Actual_Load_3914

Those are very small drops, but they could just be the beginning. I am personally much more diversified this year compare the past. Added about 20% bond, 20% international and 10% defensive index such as VDC and VTV.

EmergencyFair6786

A healthy mix of VTV + SCHD pretty much do this for me. 

HoneyBadger552

FMTM, SHLD, VTV(less risky balance sheets w VTV) gotta moderate my risk

HoneyBadger552

SHLD. VTV. i want arms and cyber security exposure while also having value focused companies w strong balance sheets

HoneyBadger552

protect my gains? i have 40 years left to invest. chase more gains thru FMTM, SPMO, and VTV

SLO_Citizen

I am not a broker, nor an expert in the market. If I were you now, I would open a vanguard account and put money in VUG, VTV and VTI. Vanguard Growth ETF, Vanguard Value and Vanguard Total Stock Market. At your age (I'm in my late 50s) I would put most in VUG which is a growth ETF (Exchange traded fund), the second most in VTV and lastly the VTI. Just let it sit, pretend you never had it. Work hard, work long and that money will make it possible for you to retire early if you want, Each year, sell some off and put $8,000 into a ROTH IRA via Vanguard also. When that is available to you, it will be tax free regardless of growth. I wish you the best!

bb1180

I shifted about a third of my portfolio into VTV at the start of January and have been pretty happy with the results so far. I also have a fair amount in utility ETFs/CEFs that have done well.

Night_Feisty

I've been adding to VTV & SCHD much heavier the last 12 mos.

Emotional-Power-7242

VXUS has the added benefit of getting you away from tech since the largest companies outside America tend to not be tech stocks. There's no reason to hold individual stocks. If you want to hold US stocks that are less concentrated in tech just buy a value index such as VTV or or AVLV.

bb1180

I'm mostly loading up defensively. VTV and the energy sector.

Over-Computer-6464

VTV and VTI are clearly not substantially identical. Wealthfront and Betterment have published white papers on their tax loss harvesting methods and they use index funds that are very similar, but which follow indexes from different index or providers. The IRS has not objected. The IRS has not even objected to swapping between ETFs that follow the same index, such as SPY and VOO, which are both SP500 ETFs. That is pushing it too far for my taste, but I do TLH between VTI, ITOT, and SCHB which are in total US market ETFs, but the index providers are different.

FormerCompetition

That sounds like an excellent technique, assuming the gap happens frequently enough, as it accentuates the move, and the broader market (either VTV or VTI) are likely to recover eventually after any downturn, which might not happen to a single company, no matter how big. I think that this is my new plan. I briefly thought of something similar to avoid wash sale triggers a few months ago, designed to generate some losses. Now I feel that after the initial concentrated stock move, I should watch for short term downturns from the initial buy, and move lots between VTV and VTI and/or VOO and VGT. I dont want to get too deep into timing things, but this seems pretty safe, and almost like not moving as these positions are largely the same (except for the value option), but not **Substantially Identical**. Do you think that this is crazy?

Roll-Annual

Others have commented on your tech-heavy investments. You’re also in most specific stocks and not ETFs. There are ideological arguments around that, but generally ETFs are stabler.  Another consideration is your investing horizon, are you looking for maximum near-term growth, stable long-term growth, or maximum near-term stability? If you want diversity, consider adding non-US ETFs (Vanguard VEA), less-tech dominant value-companies (Vanguard VTV), diversified US ETFs (VOO or VTI). There are also thematic ETFs (energy, infrastructure, consumer staples, defense). And hedges (commodities, non-US ETF, etc) if you aren’t bullish on US dollar.  If you want a hands-off approach, target-date investment funds.  An advisor is highly likely to move away from single-stocks (for the most part) and prefer ETFs because of the inherent risk mitigation associated with them. You likely don’t need to pay for an advisor unless (1) you can’t stop yourself from trading and you want to, (2) you want someone actively trading for you, or (3) you’re really trying to maximize near-term returns and willing to have someone be risky. Outside of those conditions, you’re likely better off with low-fee ETFs, index, or target-date funds.  Personally, I’m pretty near-ish on the current US market valuations and I’ve done extremely well with gold-ETF (IAU), defense ETF (NATO), and non-US ETF (VEA + Fidelity equivalent) and very so-so with VTI, QQQ, and US-growth stocks. But that’s recency bias and potentially not reliable in 2026 and beyond. 

Over-Computer-6464

The selling on perceived bumps in value is what I have been doing. In addition to the price of your concentrated position you should monitor its price relative to VTV (or whatever else replacement you use). I sell when my concentrated position is high relative to VTI.

FormerCompetition

You make some really good points here. I am OK without the position (75% loss), but there will be little freedom and inheritance to pass on, so not critical to re-balance at the expense of tax loses. I would be a bit over my skis with that aggressive long/short strategy, but I will look into it. I was also thinking of fairly aggressive selling the concentration over time on perceived bumps, and using those dollars to buy VTV, which by its very nature excludes the overvalued mag 7, but is still looking for growth of large cap and with a smallish expense ratio. Thoughts?

OrangeCosmic

I've been doing $75 a week split into VOO, VTV, and IWF. It's been good. Does best when I dont look.

Amused-Or-Thrilled

Market is doing amazing if your in anything other than market is doing great if your diversified beyond S&P. Only thing doing bad is growth. VBR is up over 9% DISV is up over 12% VTV is up over 8% and VXUS is up over 8%.