VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
10 years of revenues based on cosmetic changes. 0 innovation. I would sell, and cash out. Roll over into VTI if you still care that much about Apple.
I mean there are some "active indexers " or maybe that is not really even the best term If you have some sort of 60/40 stock bonds portfolio as stocks rise well people or funds will rebalance selling stocks and buying bonds or perhaps foreign stocks or small or midcap stocks Its not like everyone just buys VTI/VOO every week I mean sure some do, but others have some target asset allocations like target date funds or other balanced funds As valuations rise for the USA market many funds or investors should in theory be selling USA stocks and buying foreign or bonds to keep their target allocation Meaning so even if you are a Boglehead index investor that keeps a target allocation I do not see the whole "index investing is distorting the market" If people did not index invest well they would presumibly still invest and still invest in stocks so the money would flow into stocks anyway , and in aggergate probably about the same as index investors
Don’t give the money to someone else to manage. They’ll underperform the market and charge you for it. It doesn’t matter if they’ve outperformed in the past, that’s just luck. Don’t pick stocks, day trade or follow advice that promises you some magical and easy return. That’s gambling. There’s no free lunch. Invest in index funds, in a diversified portfolio. The best options are probably sone mix of the US and Global Market (VTI/VXUS or VT, for example). Be prepared for losing money through what feels infinite periods of time. Be prepared for one or all of your investments underperforming what somebody else has. Stick the course through it all. Specially don’t sell every time you lose money to buy whatever is hot at the moment. Don’t invest in specific sectors of the economy (tech, semiconductors, energy) even if you think they are the future. What you know everybody knows. That means that the price of what you buy already reflects your expectations about it. Don’t choose your funds based on backtests or their past performance in the last 5 or 10 years. Choosing recent winner is a sure way of buying shares at a high price which gives low expected returns in the future. Think about retirement, it may feel far away, but if you start preparing for ir now it’ll be easier. Keep an emergency fund: if you’re single keep at least 3 months of essential expenses in cash (in a high yield savings account). Finally, manage your expectations. In 8 years, even if you invested all of the 25k the right way and you got really lucky, you’ll probably only have double that amount (not accounting for inflation).
Since you haven’t received any other replies yet, here are my thoughts for you: Most likely, investing in an index fund is the best option for you. Index funds are bundles of stocks—sometimes hundreds or even thousands of them—and since they are so diversified they carry significantly less risk than trying to choose one or a few stocks yourself. If you buy a “total market” fund or something similar, you are essentially guaranteeing that you’ll receive average market returns over the period that you hold it. Looking back at history, that should put you somewhere around 10% gains per year. The three best options here are probably the ETFs (exchange-traded funds) VOO, VTI, and VT. These represent, respectively, the S&P 500 (the 500 largest publicly traded companies in the US), the entire US stock market, and the entire world stock market. Over time, their returns should be relatively similar. Which you choose largely boils down to preference. I tend to value diversification and therefore would go with VT, but some people feel more comfortable betting on the US specifically or our country’s largest companies more specifically still. It’s your call. Now… it’s also worth noting that while eight years is a relatively long time, it’s not really the “long term” how most investors would define it. The stock market is inherently risky (you’re getting paid for taking on risk, after all), and it’s unlikely but certainly not unheard of for stocks to remain flat or even decline over an eight-year period. With that in mind, depending on your own tolerance for risk and the strictness of your timetable, you might considering putting some or all of your $25k into bonds or even just a high-yield savings account instead. Over the long run stocks will almost certainly outperform these options, but it’s totally within the realm of possibility that during the next eight years that won’t be the case. Once again, this is essentially a question of how much risk you’re willing to take on. Best of luck to you, and if you have any questions don’t be afraid to ask. You can learn way more about index-fund investing over at r/Bogleheads by the way.
Stick to 70% VTI / 30% SCHG initially (seems like you want a tilt in growth). Then, start to read up on some of the individual stocks you want to invest in. Follow their earnings, get used to seeing price fluctuations daily / after earnings, understand their core business, etc. After you get a hold of that, start investing your money into these companies. The main reason behind following / understanding the companies financials is so that you build trust in the brand you’re investing and don’t buy / sell based on emotions.
If there were a good answer to your question, we’d all be filthy rich… which means nobody would be rich. Personally, I rarely invest in individual stocks anymore. My paycheck goes into VTI, and my expenses come out of VTI. I never “sell”, and I make money because the market always goes up.
50% in Brk.B, 25% in Cost, and the rest in VTI
Very similar. Would suggest keep your VTI positions and make your future buys be VOO. That’s my strategy.
Recency bias... Over the longterm VTI would be expected to outperform. Stick with it. ESPECIALLY if you have cap-gains, that would be lunacy to sell just to move to VOO.
In what time frame are you looking? Large Cap has done better recently, but over a long period 30-40 years, Small/Mid Cap has done better. VOO has no Small/Mid cap, VTI does.
They are essentially almost the same. Lately VOO has done significantly better as large caps have outperformed everything else, but there have been times in the past that VTI did slightly better. They both do so similarly that it is not worth selling one to buy the other and pay taxes. Just pick one or both and invest in it, they perform very similarly.
No rentals, no property. Just buy a total equity portfolio and grow it for retirement. You don't need income now, you need a retirement portfolio that will support you when you can no longer work. Snag some VTI before it inevitably goes higher.
Most equity ETFs will be able to use the create-redeem process to wash away any capital-gains from their internal sales as well, so not only will you get the same tax-efficiency as holding individual stocks, but you'll get low cost diversification too! No reason to hold anything but an ETF. VTI and VXUS will give you global cap-weighted exposure (VT is global but not great in taxable as you won't get the foreign tax credit). If you want to increase expected returns you could tilt to size/value/profitability. Could even buy a 1 fund solution like AVGE which is 70% US and 30% ex-US. Lots of options, but certainly pick an equity ETF over stock-picking.
Standard Blueprint: [blueprint](https://imgur.com/lSoUQr2) 1a. 3-6 month Emergency Fund HYSA 1b. 401K deducted from your paycheck automatically ($23,000 limit for 2024) 3. IRA ($7000 limit for 2024) Traditional means pay taxes later or pay taxes now (ROTH) 4. HSA - if applicable, 2024 limit: $4150 for single, $8300 for family 5. Individual Brokerage Account: ie Vanguard ETFs- VTI, VOO, VTSAX, VUG, SPY (r/bogleheads) or other ETFs JEPI 5a. Stocks or bonds or Crypto 6. Real Estate 5 and 6 can be in parallel or switched.
Long Term Investment in ROTH IRA. 27M just need some opinion on this long term portfolio in ROTH IRA. VTI - 70% VXUS - 10% SCHD - 10% VNQ - 10% What do you guys think about this portfolio?
Over 40, employed, no significant debt. I have over $70k in a traditional Chase savings account earning little to no interest. I'd like to move the bulk of that into either a Money Market Fund (like VUSXX) or a High Yield savings account (like AMEX). This is money I intend to save/grow long term - I don't plan on touching it anytime soon. Just FYI, I plan on keeping some money in that traditional savings - it's where my checks are deposited and I frequently transfer to/from that account to checking, etc. I'll keep 3-6 months worth of expenses readily available. In addition to this account, I already have a traditional IRA, as well as a separate Chase brokerage account where I've invested primarily in VTI. I've heard pros and cons for both options (HYSA are "Safer," MM have a higher yield, etc), so I'm just trying to get more input. Sadly, Chase does not offer a HYSA, but I have a 20+ year credit card relationship with AMEX, and I've been considering theirs if I go that route. If I choose the money market, I can stay with Chase entirely. Thoughts?
VTI is slightly more diversified. Thats really it, neither is a bad choice. This means VTI might have a little lower return but its less likely to lose a lot
So what exactly is the difference between VTI and VOO? Are they extremely similar with differences that I shouldn’t care about or is it a big choice?
Bro nobody has a crystal ball. Nor do we know anything about your time horizon. Just pick VTI or VOO and you should hope for around a 6% return every year
Recent moves / thoughts: - Yesterday completely sold out of CVS, added a little BTU as it dipped into the 21s (which is a bit silly). Dropped a big chunk into VTI/VXUS as usual. - Today added bit more HCC. For what it worth, I 'only' have about 5% of my total portfolio in coal (3 companies). I think the largest I ever had was maybe 7-8%? I'm actually pretty risk averse when it comes to concentrated positions in individual stocks. And how much I mention a stock on Reddit doesn't necessarily correlate well to how big my positions are... Granted if HCC becomes very cheap, I will sell out of some existing positions to move funds there. - Very strong day for small cap value - UI: anticipating one more bad earnings print and then I'm quite happy - TSLA forward P/E now up to 80 as earnings estimates come down... Earnings season sucks sometimes because it's so unpredictable. You can do all the DD you want but ultimately you have to just guess if a company is thriving or not. After the fact you can come up with all sorts of post-hoc rationalizations, but many of those reasonings applied in previous quarters too when the earnings were great. E.g., consumer is tapped out is something I have heard since early 2022... it's now mid 2024. So that excuse for some of the fast food companies didn't really work until recently (and still hasn't, e.g., for Chipotle). ## CVS Yesterday had sold completely out of CVS. The more I read about why the numbers are so bad, the more I think the company may just be uninvestible. The bull case about CVS is its non-retail segments (retail is and always will be a disaster long term--see WBA, RiteAid, et al). The 70B - 80B Medicare Advantage business was supposed to be a major cash cow in the future for the company. Instead, the medical benefits ratio is skyrocketing, from 85% to over 90%. (Meaning 90% of the revenue from premiums is going toward healthcare costs). The federal government's CMS (who sets the premium rates for these MA plans) pays CVS for administrating the plans, and is now refusing to raise rates. So the MA business is stuck being unprofitable (-3 to -4% margins) for the near future. Oak Street/Signify are likely still loss-producing. Don't care if the company has a near term bounce or if the CMS suddenly becomes extra generous or something. Right now, based on the data I have, this is a low quality company and I don't want my money sitting there. (The dividend payouts were pretty chunky though)
Put it in VTI/QQQM/FXAIX/IWM and delete the app.
Index funds outside of bonds due to the dividends/income. I like VTSAX and VTIAX (VTI and VXUS as ETF) to get the foreign tax credit
Well, you will have a nice write off for a while. Buy these and ditch options. Don’t even look at them for 10 years. $VOO $XLK $VTI $SPY….. there is no get rich quick scheme with money.
First, do you mean SW***L***SX, not SWGSX? I can't really find much on SWGSX, but what I can find suggests its a GNMA fund, not a growth fund? Anyways, besides that, SPY/VTI/SCHV all almost entirely overlap (SPY is large-cap US companies; SCHV is a value-factor subset of large-cap US companies; and VTI is all sizes of US companies, including large-caps). This doesn't add diversity atop just owning VTI, instead it just creates an odd *concentration* into certain things (large caps in general, particularly value-factor large caps). I'd just replace *all* of those holdings with VTI, myself. Finally, "15% in money markets"? I'd buy an intermediate-term government bond fund like VGIT, SCHR, or GOVT instead. The usual, Bogleheads approach is to hold bonds (often gov't bonds) instead of straight cash.
Any major flaws in my portfolio. I am 20 year old finishing my junior year of college. My degree will be in finance. I have 20k in this portfolio and do not plan to ever touch it. I definitely do not mind risk but this is money that I want to slowly grow over time. Allocation is - SPY 37.5% - VTI 32.5% - value fund (SCHV) 10% - growth fund (SWGSX) 10% - 15% in money markets. Any advice is appreciated.
The thing is when a stock drops you always think will it recover have I messed up. Whereas you buy VTI or VOO you know oh the market is down. Also the peace of mind knowing you have a ton of companies. Most retail investors cannot handle a stock dropping 10% or more.
Let's say you have $5M and spend $100k/year. Surely you can just ride that 100% stocks roller coaster and live with what happens around that 10% average (without inflation), as opposed to playing it safe and *on the average* making less. Let's take a car loan for example. You pay them 4%, but *on the average* you make 10% putting that money in stocks like VTI, isn't that better than paying cash for the car? I was thinking this the other day, that ironically, the more money you have, the more volatility you can afford, the more you should put the money you were going to pay for your new car in cash into the stock market instead, and do payments.
What do you mean, this whole post is about paying interest on a loan, how could I be forgetting that? I mention it multiple times. So then the answer is all cash loans are going to cost somewhere around 10% or higher, regardless of credit? I've never borrowed a bunch of cash I don't know. Not planning on doing it, this is hypothetical. I never said anything about reliably. I meant on average with index funds like VT or VTI/VXUS over the long haul. I'm talking about getting the average 10% out of the market, which doesn't include inflation—7% with. So the answer to your last question is because it's not reliable.
Just buy VOO or VTI and chill.
I agree with you completely. My 5 ETFs sort of dilute each other, and even limit my gains. VGT and QQQ are both similar but QQQ more diversified. But FOMO is real. Great to hear that you hold VOO/VTI as well. SCHD was a great bargain for a while, and it has a strong track record of matching VOO at the minimum since 2011. Small cap has been a horror show under Biden. May I ask what other positions you have so you beat the market excluding international?
VTI and chill is one of the easiest ways to get rich. It's just not a fast method. If a company goes under it doesn't tank your whole portfolio. Winners and losers go in out and of the 500 so you don't have to think about it. For like 95% of people looking to retire, you can't beat the simplicity of the SP500, and it's a tried and true method of getting rich.
I mean, its a bit redundant. VGT and QQQ, while different, arent different enough. You have a huge tech overweight. If holding both VTI and VOO make you feel good, cool. People shit on it, but I also hold both. Don't hold SCHD because its popular or for dividends. I hold it because its a great value fund. When you put SCHD and QQQ together, you basically get the S&P 500 with all the unhealthy fat trimmed out. So far my portfolio has beaten the market because I have tilts for growth, value, and small-cap value. It hasn't beaten it by much, but I like the added exposures and the reduction of being S&P dependent. (My portfolio doesnt beat the market if you include my international but that's just how it is over the last decade).
Hi, I want to start investing my newborns monthly benefits, roughly £100 per month, for long term growth. I have an initial deposit of £20k. I have set up a Vanguard account, but I have no idea which fund or funds I should choose. Any help would be appreciated. I was thinking maybe VTI/VWRP/QQQM or VHVG? Uk based. Thanks
Yeah, but safest is to accumulate an index fund like VTI over the long haul.
The whole “if fund managers can’t beat the S&P then you can’t either” is over represented and mis understood. If fund managers traded funds like guys who can beat the S&P, they’d be fined and barred from the finance industry. There are simply too many regulations, compliance issues, adhering to fund objectives, and determination of how risky you can be with the public’s money. It is not impossible to beat the market. Don’t blindly just mimic what the “VTI and chill” people shout all the time.
If you want aggressive growth, you don’t want bonds. Don’t listen to these Bogglehead addicts all the time. I agree that you shouldn’t time the markets or bet on a specific industry to make your rich, but you should and can def risk some money to bet on growth industries that you’re familiar with (don’t be dumb about it though and get addicted to gambling in it). I personally do 75% VTI and 25% SCHG in my taxable accounts and 90% VTI / 10% VXUS in my retirement accounts. I would leave your money in the target date fund, but your new Money invest elsewhere for sure. Just an opinion btw, not some financial advice.
22 years old. Roth IRA for the next 40 years. With dividends reinvesting in the security. What do you think? 30% VOO (S&P 500 Index ETF) 15% SCHG (US-Large Cap Growth ETF) 15% FIVFX (Foreign Large Growth Fund) 15% VTI (Total Market Index ETF) 10% SMH (Semiconductor ETF) 5% FBTC (Fidelity Bitcoin Fund) 5% CRWD (CrowdStrike) 5% NVDA (Nvidia)
I have faith in the stock market in general to make me money, and I know $XOM is a top 20 holding in VTI, but I'm not gonna outright invest in fossil fuels, so SMH is a pass for me; also isn't betting on $TSM is "going bigger" than $XLK?
VTI is up 5.25% YTD. We’re ahead of pace vs average market rate of return.
Random 2k to add to brokerage account: more VTI or open a position in $TSM?
Become a Boglehead, future's looking grim and bleak. If you're this young and already making this amount, go 80% Boglehead and 20% whatever you think but I'd suggest going for the 30-40 year long game. Make the real gains only gained through patience and stick with reputable ETFs. QQQM/VTI is good mix. I'm really aggressive though and don't take this advice even though I should and am holding SMH, XLK, UNRJ, BITO bunch of outliers so Uranium, Crypto, Semi's, Tech ETFs if want to get crazy with it. Imo AI will feed on chips, idk what'll happen with crypto but it's such a small amount anyways, Uranium has 3-5 year cycles we're just starting apparently, and tech is the future of course. This gives me mega cap exposure like Nvidia and MSFT without having to pick individual mega caps.
Do not sell VTI shares for this lol.
I don’t like how VGT is heavily concentrated in Apple. Apple to me is nothing short of a joke with increased revenues due to cosmetic changes for the last 10 years. They stopped innovating since 2011. Their rise was 100% justified until 2011 but since then it’s just not warranted. Also tech is at a crossroads with AI unable to be monetized, and the ecosystem taking time to catch up. Think tech bubble in the 90s. But investing in VGT is worth it but it shouldn’t take preference over VOO/VTI. I like QQQ more than VGT.
My honest problem is... do I buy this dip or wait to buy the next one? I'd have to sell some VTI shares to DCA, which... is not something a reasonable investor would do, but I just really want to lower my averages as much as possible in case the spikes aren't as big as hoped.
Same. I would DCA into VTI/VXUS, I DCA in monthly with an 80/20 split. Putting in half as lump sum and the DCA the rest is also a good strategy. I know that everyone here automatically tells you to just lump sum it all but I wonder how many were in a position where they had 500K+ to put into the market and just dumped it all in. Easy to say.
Option 2 (VTSAX, VOO, VTI, whatever), and might as well throw some in bitcoin as a speculative risk just cause you sound like you can afford to take the risk
I'm in a similar position to you and I just do DCA via autotransfer into VTI/VXUS every week. Real estate investing never really appealed to me, seemed like just a huge pain to manage and having to worry about vacancies or things breaking seems annoying.
All in on AMZN since they pay no dividend! Just kidding. Interesting situation, I wasn't aware of the super high tax rate on trust income. Broad market ETFs like VTI are fairly low yield (<1.5%) which would be a good option. You can explore Three Fund/Two Fund portfolio styles to figure out what mix you prefer. Bond funds are typically a bit higher yield, though, so you could consider all equity funds. Either way you can model the projected income of any mix via the yields.
Makes sense. At end of the day it’s all noise as VOO/VV/VTI are incredibly correlated, but personally I’m put off by the poorly constructed inclusion rules. VV would be better. Or if you are an Avantis fan, AVUS is an option. Could also really lean into factors and use large cap momentum (MTUM).
You left the money in cash in 2023 instead of taking 2 seconds to plop it into VTI first??
I’d agree but I’d argue VTI + AVUV is even better. S&P500 has a natural buy high sell lower filter. Look at TSLA/SMCI. If you want to avoid non-value small caps then at least buy a truly cap-weighted large cap fund like VV.
I personally go with 2 to 4 months in Checking 4 to 6 months in Savings I have it set to move 500 a month from my checking to my savings, and then 300 a month from savings to brokerage. If I ever hit the upper limit in my checking or savings I move enough to bring me back to the lower limit to my brokerage. This happens about once a year in my savings and intermittently in checking due to tax returns and or my wife getting a nice bonus check. From there my order of operations is 1. 401k to employer match. 2. Roth IRA to max 3. HSA to Max 4. 401k to 10% 5. Then I balance it between increases in my brokerage account and 401k accounts I could max my 401k contributions but the interest/dividends earned in my brokerage account currently funds one of the 2 Roth accounts we fund annually. If you are in generally good health and have an HSA it’s a good way to use your healthcare expenses to ramp up savings. My employer gives me 50 per paycheck. I max the account over the course of the year. I keep the account minimum in a cash position and the dump the rest into the offering they have that is comparable to VTI. End of August I do a partial rollover to my Fidelity account where I have more low cost investment options. I think I have 5 of 6 in the HSA account with VTI being the one with the best returns
Vanguard is a “brand” if you will that makes (manages) several “ETFs”. Assuming you mean VTI or VOO? Today’s highs are tomorrow’s (or next months or years) lows. Keep in mind if we say the market grows on average 7 to 10%, how can that be possible unless it continually hits all-time highs. What matters most is time in the market not timing the market.
Individual stocks are always risky, you could buy VTI and own Uber that way or if dividends interest you SCHD might be a good choice.
Money market is going to get you risk-free >5% which is basically what the S&P has returned YTD anyway so just put it into a tax-advantaged account, lump sum, 1/2 in one asset 1/2 in the other and call it day. VTI > VOO > SPY VT is shit. Otherwise, good luck and happy investing
Ditch your advisor… by VTI and 😎
I'd sell the RSUs, you already have enough riding on the success of your job/company (being sole income). Invest the money in a regular brokerage account in something like VOO. Find how much you'd need for 6mo of living expenses, put that in a high yield savings account. When are you trying to buy a house? If in the next 2yrs then put that money in a high yield savings account or a money market fund. I'd keep <10% of your total portfolio in individual stocks and instead shift it toward low cost index options like VOO/VTI, FXAIX. Contribute to your 401k as much as you can to get employee match as well as lower your current tax obligation. If you have additional money to invest you can do a backdoor Roth IRA contribution which is also a great idea despite your income. Search for articles on how to do that.
Do what you like but I’d recommend 20% - 40% in VXUS, 0% - 10% in bonds and dump the rest in VTI or VOO.
VOO is the largest 500 which is like 86% of the U.S. market. VTI is all of the public stocks. The returns are pretty similar.
A passive index fund or ETF will mirror a published index, such as VOO exactly tracking the 500ish companies in the S&P 500 and weighted by their market caps. I personally prefer even broader indexes, such as VTI holding nearly the entire U.S. equities market with 2700 or stocks, or even more so VT which holds nearly 10k stocks from both in and outside the U.S. You won’t “beat the market” buying these kinds of indexes. What you will get, however, is market performance which most individual and even large institutional investors routinely fail to accomplish. This strategy is the main topic over at r/Bogleheads…
Please let us gamble we already do DCa in VTI that’s so boring
I recommend investing in ETFs going forward. I like VTI.
Learn. Some common places to start are with John Bogle and Peter Lynch. We're lucky enough to have Aswath Damodaran for the advanced material, but few are going to want or need to venture that far. But he is there for those wanting to learn at a high level and venture beyond passive investing or casual speculation. You're the manager, you're job is to learn how to manage. If you buy something because someone tells you, and you don't know why, you're not managing your account. VOO and VTI are legal loss harvest pairs. But, they may as well be the same product. There's no reason to hold both of them. But really, you just need to learn what you're trying to do. Getting started at 17 is great. Time is our biggest edge, and it can not be replicated.
VTI and META and they're all down today
Just have one account to play/gamble and another to be conservative VTI/VOO
Why the fuck does my account always get fucked. I don't even do options anymore, just stock. If I just buy and hold VTI/VOO, I get minimal gains while I'm watching the likes of FAANG make 5-10% gains on earnings plays or just during the week. I sell some of my VTI and get into META and AMD and AAPL, and guess fucking what? They all shit the bed despite good earnings. What in the goddamn fuck dude.
Looks like your post is gonna get removed, but I'd start with an etf like VOO or VTI. It'll help you diversify right away, with low risk low reward. Maybe weekly or biweekly investments, however much you're comfortable with. I buy on Robinhood, not the best site but very user friendly. Honestly just looking through posts on this subreddit, as well as r/etfs you'll learn some basics. I would also keep in mind that since the US election is coming up, and fears of war higher than usual, chances are it's gonna be a rough few months for the market.
Keep dollar cost averaging into Bitcoin, and pick VOO or VTI or SPGP and dollar cost average into that as well. You don't have a bad portfolio you're just looking on a down day.
Don’t put it into VTI or VOO if that’s your timeframe. If you want your money readily available you can either keep it in a HYSA or. Money Market Fund. You can also use bulletshares ETFs to create a bond ladder. Those are funds with maturity dates. For example you can take 10k and put it in the fund that matures in 2024, 10k in 2025, 10k in 2026. You can then keep contributing and set the interest to reinvesting. When the 2024 fund matures, divide it among the other two funds, etc. If you’re gonna do this or somebody similar, or buy CDs, keep 6 months of expenses in a HYSA or money market funds as an emergency fund.
Fair enough. There are older factor funds like those from DFA if that makes you more comfortable. At a minimum I would swap VOO for VTI, and add some VXUS. Personally I think the factors are helpful, but that gets you a bit better off. 100% VOO is just pure recency bias and poor planning.
I have a CIT savings account as well which pays 5.05%, but it takes 3 to 5 days to move funds in and out of there. I've also thought of investing that other 30k and dollar cost averaging over time into VTI. I have fbgrx in my ira. I'm debating If I should stick with that or go with vit or voo for my ira 🤔?
If you are right might be printing money soon with calls on VOO and VTI, hopefully.
Why not 50% in VOO/VTI , then slowly DCA into 65% VOO/VTI, 15% Mag 7, 15% dividend yielding stocks
Why not 50% of your eggs in one basket, the slowly add the remaining eggs a little at a Time , mostly 65% VOO/VTI, 15% of them in Mag7, and the rest in dividend yielding stocks
99.4% of VOO's 510 holdings are also in VTI. I would just stick with one or the other.
I’d probably add a industrial ETF so that you don’t have two funds that are basically all the same stocks Love VOO and VTI but wouldn’t do both IMO!
Look at top holdings of both VOO and VTI. You will find same companies: google, microsoft, apple, amazon, nvidia, meta, etc. Basically you could buy just one of them and look for something else for diversification.
Good picks! Keep buying those more. Keep in mind that VOO and VTI are heavily overlapped.
W2 jncome. My budget is only $5/month usually the first week of the month I go with VOO/VTI/VGT/QQQ/SCHD. I’m cautious and give preference to ETFs. These 5 do have overlaps and maybe causing a slight dilution but I can’t just go VOO. That sounds too easy.
Not especially, mainly brand preference. Both firms are enormous, and both have been criticized as [activist investors](https://www.morningstar.com/sustainable-investing/how-blackrock-state-street-vanguard-cast-their-esg-proxy-votes), essentially saying they use the voting power of the shares they hold in their index funds to steer corporate policy. (The criticism appears to have had an effect, with some of the funds providing ["pass-through" voting](https://www.morningstar.com/funds/new-proxy-voting-options-ivv-other-index-funds-blackrock-state-street-vanguard) to unitholders.)^(1) * Sometimes one fund will be much bigger than the other, which is helpful for liquidity and price efficiency, but if we're talking VOO vs IVV that's hardly an issue. * The funds may track different benchmarks, like VTI tracks the CRSP Total Market Index while ITOT tracks the S&P Total Market Index. They're basically the same index though, so the performance difference is pretty small. Over the [last 10 years](https://portfolioslab.com/tools/stock-comparison/ITOT/VTI) ITOT has returned 12.08% annualized while VTI has returned 11.98%. On a $10,000 initial balance that would be about a $300 difference after those 10 years. ^(1) There is a misconception that Blackrock is buying up homes and driving up the cost of real estate. That's [Blackstone](https://www.wsj.com/real-estate/blackstone-making-10-billion-multifamily-purchase-going-on-the-real-estate-offensive-f3126928), a company with a similar name and shared founders but little else in common anymore.
If you invest in 100% equities, globally diversified, like VTI + VXUS 80/20 or 60/40, something like that, and assume a *conservative* 7% nominal return and 3% inflation, you'll get to roughly 1 million if you're making 1k contributions a month until retirement age at 67. Add in social security, and you're getting 40k a year withdrawn from that portfolio at a safe withdrawal rate of 4% plus social security benefit, so you'd be comfortable in retirement. This is just a baseline. There's lots of routes to take. Factor tilting, maybe some leverage for time diversification, etc. Invest in yourself for more labor income. Etc.
No this whole subreddit is just a cult that believes the only thing you should do is buy VOO or VTI. Ask elsewhere.
I made a $100,000 mistake negotiating one-off signing bonus by signing an offer and then getting another one with the bigger signing bonus. But at least it was not on WSB and it was still a pretty good offer. Only buy and hold VTI.
If you allocate 1/3 to large caps, 1/3 to mid, and 1/3 to small, then you have more exposure to the size premium. However, many argue size is not an independent risk factor, and instead just magnifies other factors like value. Small value has historically beaten large value. Small growth has performed worse than large growth. Ultimately, the overall size premium has ended up being pretty close to zero. So if you allocate evenly across size classes, your expected returns are not that different from market cap weight funds (VT, VTI) Same thing if you allocate across value, core, and growth. Typical market cap weight portfolios already just throw them all together. The main thing splitting up across these styles does is that it reduces risk to individual stocks. If you're invested in VTI, then a few large US companies affect your portfolio a lot. If you could in theory own an equal amount of all 3500 companies in VTI though, then you spread your portfolio risk more evenly across them. Whether that's a good or bad thing is debatable. Most proponents of factor investing would recommend starting with a market cap weight portfolio, and adding a value tilt and/or a size+value tilt. This typically involves putting 50-90% in a mix of market cap weight equities and bonds - so take your pick of VT, VTI + VXUS, Asset Allocation Fund, or a Target Date Fund. Then add 10-50% factor tilt. The [Ben Felix Portfolio ](https://www.optimizedportfolio.com/ben-felix-model-portfolio/#the-ben-felix-model-portfolio-asset-allocation)is a popular version of this. [Paul Merriman's Ultimate Buy and Hold Portfolio](https://www.optimizedportfolio.com/ultimate-buy-and-hold-portfolio/#paul-merriman-ultimate-buy-and-hold-portfolio-asset-allocation) also utilizes factor tilts.
Instead of buying a stock of a company, buying a share of an ETF like $VOO or $VTI would buy a portion of every stock in the S&P 500, or in the Total US Market.
It looks like only part of the $11,700 was used to buy equities. The rest is sitting as cash in the account. The cost basis is what you paid for whatever stocks or ETFs are held in your account, the market value is how much those stocks are worth right now. The difference between those values is your capital gain. That is less important to you from a tax perspective since this is in a Roth, but it’s important knowledge nevertheless. You should probably buy $10,000 worth of VTI or VOO asap…
I currently have $1,200 in VTI in this account. My plan is to start with this $100k with that combination and then add more diverse assets once I’ve established this foundation. What do you think about that?
> Stick to just QQQ or VOO or VTI. Shows portfolio of other stocks, while also shilling Apple
I as debate between a 20KUSD purchase of TSLA calls expiring weekly when it was at 140ish. I then decided that was gambling and better to make a safer bet buying VTI shares. FUCK
Everyone has their own strategy. So long as youre investing in low cost broad market funds you’re gonna do fine. Assuming you’re young, you should have 20-40% international (VXUS), 0-10% bonds (BND), and the rest domestic (VTI). You can also just go full total market (VT) and chill. Some people say don’t bother with bonds if you’re 20+ years off from retirement, but you have to have the mental fortitude to keep investing during the inevitable down market. If losing 50% of your net worth would cause you to panic and make the mistake of pulling out, then add some bonds for some stability. If you’re 40+, then you should have some allocated to bonds in case the market shits the bed right before you retire.
Very true. I’m mostly in VOO, VTI, and QQQm
If it made sense to DCA with a new $1M in cash I handed you, it would also make sense to take a 30 year old 401k that is $1M and mostly made up of gains, move it to money market (no taxes due) and re-DCA it. Nobody does that... DCA is an emotional crutch, nothing more. Invest as much as you can, as soon as you can. 75/25 VTI/VXUS is an alright portfolio but I would personally just buy AVGE. It will be 70/30 US/ex-US, but also come with modest tilts to value, size, and profitability factors (increasing expected returns and diversification) and due to ETF-of-ETF structure, give you tax-free hands-free rebalancing.
There's still weight associated with the holdings, so the strategy is similar. It's not like they invest 10000$ in 10000 different company and Apple has the same holding percentage as Aerotyne. Top 10 companies in VTI accounts for 25% of holdings Good company -> more weight. Bad company -> less weight.
OP, you should have more than 31k in your Roth IRA if you started at age 18. If you’re Age 22c that means you put in 6.5k every year for 5 years which is only 32.5k. At an annual growth rate of 7% you should have at least 45k by now which tells me you didn’t invest into an ETF or Target Date Fund. Do not just let that money sit there because it won’t grow at all. Invest it into a ETF like a target date fund or VTI/VOO + VXUS to maximize the growth.
Do 70% VTI, 20% VXUS, & 10% IBIT (Bitcoin)... Lump sum all at once, then continue to add $500 of your income (or whatever is in your budget) every week, set it to recurring, set and forget.
I didn't have anywhere close to a million then but I kept holding and kept buying with every paycheck. In fact, I had just started a new job January 2nd, 2008, that paid enough that I could max out my 401(k) and Roth IRA every year. I was buying with more money every paycheck than I ever had before (graduated college in 2001), and buying at a discount to boot! I even withheld the max 5% of my paycheck to buy my company stock in the ESPP program at a 15% discount to the market price! When I see big dips I just get giddy and if I have any way to buy more in those times, I do, but I usually don't because I'm already buying everything I can every single paycheck. I've never sold a single share of anything (except to exchange for a different fund). I hold 100% broadly diversified index funds like S&P500 and VTI, mostly US, except for 10% in a Vanguard Total International fund. This has worked very very well for me. After 23yrs I have almost made as much in the market as I have with all my W-2 income since my first job at 15yrs old (and my total contributions are a small fraction of that total, of course).