VTV

Potential-Tip6106

I got a higher YTD than on may, june or july. My highest YTD as sept 2nd with 25.36% and currently sitting at 22.52%. Seems I will close \~1.05% up today. My best 3 stocks are acn, mrk & cm and my 3 worst performing are vstn, mrp & hesm. I am someone who delves a lot in value/quality investment through actual fundamental analysis and several valuation methods to eventually see it on a football field analysis and getting an avg and median price and compare to spot price and future CAGR. From "ai stocks" I got Googl (recently bought), Nok and Msft (avg \~ $386 since it was following it earlier this year and bought when it touched the ascending trendline which was the same as the 200 moving average between other reasons). I have never been a momentum idiot with fomo who follows whatever said from all these "covid experts" on whatever social media with their geniuses ideas that are just "buy the dip", "ReV is beating up expectations" with storytelling & hype as if liquidity was infinite, and as if cost of capital and risk management werent a thing either Currently I am beating VOO, QQQ & IWM pass. Ironically the one I am not beating is SCHD which everyone was just spitting last year. For ending if you cant comprehend or have a thesis of your own why SCHD, VTV & COWS are beating VOO & QQQ, you got much to learn and just invest on ETFs. Will save you time and your hair

RagnarokWolves

VTV (Value stocks) Up 18.2% YTD. Only about 10.6% of its holdings are tech.

StableDesperate385

Which is better SCHD or VTV?

thri54

$VTV, Vanguards value index fund, is up 18% this year. That’s more than the Nasdaq 100 and S&P.

Kale

I was a teenager in the 90's. I remember my dad's friends trying to get him to join an "investing club". Not an MLM or anything. Home-grown club formed in our city by 10-12 men. Two had quit their jobs (non-finance jobs) and gone full time day-trading. On the internet, which wasn't quite as common to have at your house at the time. They weren't day trading by 2002 anymore. It was later on I heard the phrase "a rising tide lifts all boats", which can have some allegory to collective benefit, but I think it can also illustrate that everyone thinks something is easy when the conditions are right. Sticking with the metaphor, I truly believe I could navigate a boat from New Orleans to the Caribbean *if* conditions were perfect. No crazy winds or currents or storms. But bring a storm on? The boat is going down. Similarly, the market has been phenomenal over the past decade. But going in to a rough market, only a few people can weather it. My only tool is to wait it out and not sell anything. That's a pretty blunt tool. I've taken finance courses and done calculations on how to estimate asset pricing and how options work. And I won't touch those with a 10 foot pole. I was 100% DCA-VOO until about a year ago. I broke my rule of completely passive investing in VOO, and I started alternating my purchases between VTV (value stock) and VYM (companies that pay dividends). My theory being that the Teslas and nVidias and Facebooks don't usually fall into value stock or dividend stock. Yes, there's always the cautionary tale of Sears, but the ETFs are a little diversified. That being said, my VOO has continued to outperform them. I didn't sell any, just stopped buying them. And that might have been a dumb idea.

bear_Prune8771

Diversify away from just AI and beta stocks. Vanguard has great Value ETFs. VTV, VOE, MGV.

TrashPanda_924

I rolled into VTV a few weeks ago. The sector rotation isn’t over. While the Nasdaq was collapsing, the Russell 2000 was slightly up.

Acceptable-Cloud558

"high-free-cash-flow, low-debt businesses trading at 12x to 16x earnings" - is this what is referred to is as "Value"? Like VTV?

JohnnyGoldwink

2% drop for people in VT, VOO, VTV.

gwelfguy

I don't invest in S&P500 index funds, rather I invest separately in large cap growth (VUG - 135 holdings) and large cap value (VTV - 298 holdings). The total holding list in these funds strongly correlates to the S&P 500. OP is saying that 84% of the holdings are >10% below their all time highs. Given that, VTV should be taking a beating, but it's not. Both VUG and VTV are near their all time highs. Not saying that OP is wrong, but this is not adding up.

Back_Town

I used ChatGPT to do a backtest. Project SCHD methodology back to 1999 (etf started in 2011, index a few years before that), and DCA between the two yearly. The criteria is: DCA into QQQ when the 3y returns were higher for SCHD. When QQQ had the higher 3y returns, make the contribution to SCHD. It obviously resulted in a lot more SCHD contributions than QQQ. But it was roughly on par (<5% less total return) than QQQ only with much less than half the max drawdown. I think it definitely has a place. I think “low duration” equities, otherwise known as defensive stocks, definitely have a place on the risk ladder of a well balanced portfolio. Look at any value-ish fund like SCHD, SCHV, DGRO, VTV, etc and you can see a shape that’s different from the stone-skipping shape of growth funds.

Everyday-Joe-Invests

For US Large Cap stocks, you can go for a value fund, like VTV or SCHD. You could also consider an equal weight fund like the RSP that treats all S&P 500 components equally rather than weighting them by market cap.

Forsaken-Mark-1898

Yeah. SCHD and value funds like VTV or SCHV are good hedges since they invest in daily use companies

sharp315

SCHD and DGRO are tech lite. VTV and VYM used to be good options but the tech allocation has been increasing in those 2 funds recently.

wreckbeck1981

VTV would be the fund that would diversify you

EmbarrassedPart1256

I just sold off my NEOS ETFs ($IWMI & $MLPI), probably sold the absolute bottom but I'm coming to realize that the expense ratio really is high & I haven't been sleeping well thinking of that drag over my lifetime. I missed out on a historic bull run for wanting to play it safe & yes my account is larger than it was a month or 2 ago but it's been a lot of stress getting here. Yes I'm trying to "retire" safely but I also do have a bit of leeway with the portfolio I have. As of right now, I'm \~78% cash in my main portfolio, adding to my core holdings ($VXUS, $IDVO, $VTV, $VSS) on dips, & \~55% cash in my retirement account, similar core holdings. I'm still committed to only "day-trading" in my smaller account but there's no rush on that one. The cash doesn't go down in a money market account. Thanks for letting me share; remember to be careful out there & take care of yourselves mentally & physically...

SerMumble

I'm not very impressed by FNDB's movement since inception for its 0.25% expense ratio. A lot of FNDB's holdings are too similar to the S&P500 so FNDB moves like SWPPX and SPYM with a 0.02% expense but FNDB is more expensive and historically performs worse. VTV is a more affordable value etf with 0.03% expense. It has historically underperformed FNDB but with the lower expense and lower drawdowns VTV better justifies its function in a portfolio as a hedge. Better hedges for US large caps than FNDB and VTV are AVUV for US small cap value, VYMI for international, and SGOV for US treasuries (dry powder). There are other options not listed. A hedge should ideally offer something the threatened core does not have and that can be either tilting a portfolio toward unique defensive holdings or offering a certain liquidity that can be used at an opportune time. SCHD fills a hedge role by tilting toward fewer tech holdings that will crash at a different time from a tech crash and its dividends can be used to buy into a market correction without selling shares. Dividend etfs are not intended to be invincible and dividends are a strength during bear markets. The number of holdings in an etf whether they are 100 or 1,000 do not really matter so long as it is weighted appropriately in a portfolio. Sites like etfdb or other tools can help analyze your portfolio's holdings so you can spot if you've accidentally made something like NVDA 20% weight or something reckless. https://etfdb.com/tool/portfolio-analyzer/?etfs%5Bspym%5D=50&etfs%5Bvymi%5D=50

InvestigatorPlus3229

i like vanguard i have VTV

ScholarlySyndrome274

AVLV gets my vote from that list. The profitability screen is what sets it apart from something like VTV where you're just buying cheap and hoping for the best. For a decade plus that extra filter should pay off even with the higher expense ratio. SCHD is solid but the tax drag angle you mentioned is real if this is a taxable account. I'd skip the RAFI ones too, not because they're bad but because the methodology feels a bit like overengineering a problem that already has simpler solutions. Only other one I'd throw in the ring is DFLV if you want a deep value tilt but honestly AVLV is the cleaner play here.

WhatMattersHere

I think the biggest issue is that several of these ETFs are solving different problems, even though they can all end up looking "value ish." I'd separate them first: 1. VTV/SCHV: traditional large cap value. 2. AVLV: systematic large cap value with an explicit profitability component. 3. FNDX/PRF: fundamental weighting reducing the role of market cap by weighting companies using business fundamentals. 4. SCHD: dividend plus quality and fundamental strength, not really a pure value fund. 5. IUS: business size weighting with a quality screen. That matters because your actual goal sounds slightly different from "I want the strongest value factor." You seem to want less dependence on mega cap market cap weighting while still keeping meaningful exposure to profitable tech companies. If that is the real objective, I'd pay particular attention to the fundamental weighting category rather than assuming the deepest value tilt is automatically best. For example, FNDX currently still has meaningful technology exposure while being weighted differently from a standard cap weighted index. If you specifically want value plus profitability as a factor strategy, AVLV is probably the cleaner comparison. I'd just describe it more carefully: it's an actively managed systematic strategy that emphasizes lower valuations and higher profitability, not literally a mechanical Fama French index. One other detail: PRF changed its underlying index in 2025. So its long historical performance record isn't entirely the history of the exact methodology it uses today. That doesn't make it bad, but I'd account for it when comparing track records. I'd also add SCHV to your comparison as a very simple large cap value baseline. Even if you don't choose it, it gives you something useful to compare all of the more complicated methodologies against. For a 10–15 year "invest and forget" allocation, I'd make the decision based less on which one has had the best recent performance and more on which philosophy you could stick with through a long period of underperformance. The question I'd answer first is: Do you primarily want a value factor tilt, or do you primarily want to reduce market cap concentration while keeping broad U.S. exposure? Those lead to different ETFs.

sharp315

bond yield vs equities yield is not even close. VOO is doing 17% on the last 12 months alone. NASDAQ is averaging 15.9% over the last 5 years. even a value ETF like VTV is averaging 13.7% over the last 5 years inclusive of the dividend yield. if you think markets are going to tank then sure buy bonds - but there is no evidence of that happening. in fact, we are basically in the strongest bull market we have ever seen.

bear_Prune8771

That’s why you invest in broad market indexes. SPY, VOO, QQQM, IXUS, VTV etc

Sparkle_Rocks

Well, you are not too far off from Warren Buffett's choice for his wife's inheritance: 90% S&P 500 and 10% cash, bonds. I'd put 10% at least in SGOV or VBIL which are short term treasury funds and the earnings are state tax exempt in states with income tax which is important in your brokerage account. But we use those treasury ETFs in the Rollover IRA, also. We added VTV which is a large value fund (lower p/e ratio) that lost much less in 2022 and 2018 than the S&P 500 did just to have a little cushion if there is a tech decline, for example. We are retired now but made it through the 2000-2010 years just fine by not touching the retirement accounts, and my husband was 45-55 during those years.

vinylzoid

Right now I'm in $VTV, which imo is more diversified than S&P. If there is a major downturn, I'm looking at positioning into low volatility ETFs like SPLV.

EmbarrassedPart1256

Futures down, NASDAQ (tech) more than anything, gold down (where I’m loading dips before Schwab lets me touch things @ 7), it’d be nice to get a nice penny flip before going to work to keep up with this madness but I’m not going to force a trade. It may be a do-nothing day too, if things don’t drop to my levels. Holding: 26.62% $IWMI 25.86% $SGOV 24.21% $MLPI 7.98% $VXUS 3.24% $VTV 3.01% $IAUM 2.51% $DGS

Freedom-Of-Trades

Ironically, MU is a value stock. It's even in VTV.

Content_Analysis_346

on the "exclude AI companies both sides" question above, one gut check you can do yourself without pulling holdings data: look at VTV (large cap value, basically zero mag7/semis exposure) vs VUG or QQQ for the same YTD window. Last I looked value was up low double digits while growth was still running away with it, so no, excluding AI names US large cap value hasn't been beating international this year either. it's more that the AI trade is the dominant factor everywhere right now, US and ex-US both, and stripping it out just shows you a much smaller, much more boring dispersion between regions. the mag7-vs-rest-of-market gap and the TSMC/Samsung-vs-rest-of-Taiwan/Korea gap are basically the same story wearing different currencies.

EmbarrassedPart1256

Welp, caught a nice dip on $GPRO, shoulda coulda woulda held a second longer (as per usual), but averaging in 50K shares to mitigate the loss shook me a bit 🤣 I had to do something to bolster the portfolio a bit; it's trailing the indices this morning... I'm still happy as can be with what I've created & am creating (RIP my individual stock picks that're all popping off nonstop; I'll revisit them when I have some "fuck you" money, when $CAPS pops off): * IWMI 27.64% * SGOV 26.15% * MLPI 25.01% * IDVO 7.85% * VXUS 5% * VTV 2.49% * DGS 2.46% * IAUM 2.26% * Cash 1.14%

EmbarrassedPart1256

Futures are mixed today so it may be a good day to do nothing, regroup, & think about your goals/allocations. I'm taking the morning off from trading penny stocks, chatting with ChatGPT & thinking about my allocations. I'm a bit overweight gold (**$IAUM**, cheapest expense ratio) but I wanted to buy the dips as they come & have some time to let this one play out. I deployed a chunk of cash yesterday & am still holding \~25% cash after all of that. I'm hoping to make a major purchase going into 2027 so the cash position has value far beyond its yield; I've really started to like the stabilizing aspect of cash recently as well... Although not penny stocks, you all are my friends & I figure we can have conversations outside of penny stocks. Here are my holdings as of yesterday/early this morning: **IWMI** (Russell 2000 futures showing strength, CC premiums are likely juicy during dips) 27.51% **MLPI** 25.41% **SGOV** 25.39% **IDVO** 7.78% **VXUS** 4.95% **IAUM** 3.28% **DGS** 2.45% **VTV** 2.4% Cash .88% As far as penny stocks go, be sure to wait for a solid entry on something that's running, take your profits, park them in something safer, & scale down if you re-enter to not wipe away the day's gains, among many other things! And of course, **$CAPS** 🤙

Prudent-Corgi3793

MU is highest and it's been the highest for most of this year. VTV is very easy to track because it passively follows the CRSP Large Cap Value index, which only rebalances once per quarter, including most recently on 2026-07-31. I assume you're pulling from various sources that say JPM is 3.49% and MU is 3.44% on that date. However, that was also the absolute nadir for most of the semis because of the Situational Awareness situation. Since then, JPM is up +1.66%, MU up +13.34%, and VTV overall up +2.43%. I calculate the ETF holdings more frequently.

Prudent-Corgi3793

MU is the biggest holding in VTV

itsxxcommanderxx

Is FTEC worth buying today? I’m currently thinking about putting about a quarter of my brokerage account, non retirement, into FTEC. I’m 25yrs old and looking for aggressive options. I don’t mind the volatility. Currently my balance is primarily VUG and VTV which is how it was when I inherited the account. Would FTEC be a good ETF to add for what I’m looking for or is it too heavy into tech?

sirzoop

VTV SCHD Basically value and dividend companies

vinylzoid

I got downvoted in a previous post and had a lot of stupid commenters arguing with me that VOO is NOT heavily leveraged in AI and FANG. You all need to look deeper at what you're leveraged in. IMO, VTV is more diversified than the S&P ETFs like VOO. I've deliberately pulled almost entirely out of all my AI and tech investments.

Fabulous-Transition7

SCHD or VTV or a mix of both

Fabulous-Transition7

That's a lot to keep up with. VGT or XLK would cover most of your positions in a single etf. GPIQ/GPIX is superior to JEPQ/JEPI. VTV, SCHD, or SPXT covers the blue chips.

InvestigatorPlus3229

VTV and schd have been killing it in my wife’s retirement acct

EmbarrassedPart1256

I feel that last part, that dips are over-reactions for sure, you just have to find the quality ones. I’ve had a lot of success buying nasty dips recently; it’s wild when your brain switches. As a whole though, I think we could see something like that for the market as a whole soon, even if it’s a flash dip. I was looking at $VTV’s chart & every once & a while there’s an incredibly large red wick almost down to the last peak. That’s when I’d be looking to load the boat, maybe $190. That’s wild that you said $TOYO! I had a CSP for them but it never got assigned below $5; now it’s below $5 again so could be a solid value. I’ve always wanted to be in $BABA & $MELI as well. I feel like running options on $MELI would be solid, you just need a ton of cash as collateral. I’m also trying to solidify my move abroad after dancing around it for a while (as the Colombian peso absolutely skyrockets against the dollar 😢) so I want to be very careful with my capital from here on out.

EmbarrassedPart1256

Thanks for following up! I always love your insights. I'll definitely pay attention to the Thursday into the weekend timeline from now on. I just feel like we're being played & the next market-crashing development is right around the corner. As much as I want to, I can't justify holding $VTV for too long, even though it *is* composed of low-volatility US companies. **$IDVO**, **$VEA**, & **$VSS** (as well as **$VXUS** in another portfolio) are all showing rock-solid strength, though. I feel that an international rotation is upon us long-term.

suebrjcjn

Check VTV

Fabulous-Hospital432

VTV

RagnarokWolves

If you are genuinely that worried about AI then just invest in value stocks like VTV. For reference, it's outperforming growth/AI-heavy stocks this year to date. I'm all-in on the S&P 500 and growth stocks cuz I am investing for the long-term.

InvestInTwinkies

What? SPY, VTI, VTV, VUG may as well all be the same fund. Just buy VTI 100% if you’re bullish on American tech. Throw in 20% VXUS if you want a little diversity and call it a day. If you must then you split up investments by market capitalization, not whatever you’re thinking. Could look at Avantis funds for the value tilt if you really want, but I don’t think that’s necessary. You have to look at what each fund invests in and how they play a part in your portfolio.

dulcimerist

I've got my VTI reinvesting into VTV. Beyond that, I'm changing nothing, and that change is more because my risk tolerance is lowering slightly as I age. In honesty, the "bubble" is big enough that the knock-on effects are going to be widespread if/when it goes.

LAHAND1989

What would you recommend as a 30/30/30 split or 25/25/25/25? SPY, VTI, VTV, VUG, VXUS? My own portfolio is split 50/50 between SPY and VTI? Guess I knew there was significant overlap but I am and have been also bullish on tech so didn’t mind overweighting it a bit.

No_Alternative_6206

Bond funds pay significant dividends, which cannibalize the base value, so you need to add those back in to understand the real return. That said this isn’t your Dad’s portfolio anymore, it’s yours. You have the right idea but I would simplify it a bit more just VT and VTV. You don’t want too much pure S&P since it’s concentrated with just 10 stocks.

ServerTechie

Not a bad stock to have, but I don’t see much growth opportunity for Coca-Cola as a whole. If you’re trying to reduce tech exposure I’d sooner recommend buying VTV shares.

Apart-Selection5680

I’ve started to VTV.

Scarecrow_Folk

There's plenty of ETFs and other funds that limit or exclude tech if that's the goal. VTV, SPXT, XMAG, etc 

RagnarokWolves

Maxing out 457b which is invested in the S&P 500. Brokerage has some additional investing in VTV (US Value) and VUG (US Growth). I might just continue in VTV only. Baby's 529 plan is invested in the S&P 500. I want to gift my nephew/nieces a good chunk of change when they turn 18 so I'm investing $1 a day in VUG, Coca-Cola, and Amazon for them. I'll gift them their cash-equivalent share of whatever one ends up growing the most.

FreddieMac6666

If you want value, I'd go with something like VTV over HDV. VTV expense ratio is .03% where HDV is .08%. VTV is literally Vanguard Value Index. Slightly higher return YTD. 15.35% to 14.23%. Less dividend yield, but if you're looking for value, I think yield is less important. I have nothing against HDV. I used to own it. It just didn't fit my goals. I like that you're including international exposure. Too many overlook it. But I like VYMI over IGRO. Again better return and lower fees. Probably can't go wrong with SPY. This is not advice, just my take on your portfolio.

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.