Invest all in vti reddit. As of now, I have 90% VOO, 10% VYM.

Invest all in vti reddit Does Fidelity or any other broker allows to do such thing? Invest in VT (all stocks) to start. In short, I want to grow my money without constant management. VOO has outperformed VTI slightly over the past 10 years. So now VT vs. The parts that do the best will do better than VTI overall. I get past performance doesn’t = future gains. So, yes, I think your strategy makes sense. The bottom line is that underperforms VOO and will continue to do so, it is as simple as that. It is a blend - some parts of it will do better than others. , VT/VTWAX). Would you sell it all and then dollar cost average it back into VTI over the next year? No, that wouldn't make sense. 5T vs $8T). market though, hence VTI. However, our 401k company was recently bought out and with that came some new investment options including SPY, VTI, and VOO. The market cap is about 2:1 so I put 2/3 into one fund and 1/3 into the other. Historical trends also clearly show that US and exUS performance does swap leadership positions. Are you using VTI in all account types? (401k, Taxable, Roth). But if america lags behind the rest of the world in a given year, you’d need to rebalance to say 55% vti/45% vxus to approximate total world market. Congrats! Vanguard Total Stock Market ETF (VTI) - Find objective, share price, performance, expense ratio, holding, and risk details. g. Currently for both my Taxable and ROTH, I'm all in VTI and possibly considering SCHD now but I like to play around with individual stocks sometimes and I wonder if COST (Costco) is also a good bet, but I wonder since it itself is in VTI and VOO, it might be redundant. If you want a direct VTI equivalent ETF: ITOT, or just buy VTI. If a client was nervous about going in all at once a good financial advisor would probably have them dollar cost average in but in a methodical way, for example, they’d have them take their five million and have them invest it into a diversified allocation monthly over the course of a year. Anyways I’m here now and my ROTH IRA is 100% VTI (~25 shares). That fund allows you to capture all of the US stock market. I’m all in on VTI in my retirement fund having recently consolidated a lot of tech heavy funds and stocks. Commenters shared some valuable advice for the Redditor. I was wanting advice on if I should add a growth ETF, and which one, I’m thinking about 15% of my portfolio. Just want to make sure there isn't a good reason NOT to buy VTI, assuming that I am intending to purchase an investment that reflects the broad performance of the US stock market. Guess it depends Hi. Also, the entire world knows how strong the US economy is. I am completely clueless. Hello All, I currently own VTI in my ROTH IRA and am looking to pair another ETF with it. Buy VTI, then convert to VTSAX once you meet the minimum. One is an S&P 500 fund and the other is (almost) every other stock on the American exchanges. Edit: Thanks everyone for the advice and suggestions. That is the generally accepted advice. VT does not get the foreign income tax credit up to $300 a year in taxable accounts because it contains majority American funds. VTI is a bigger fund ($276B AUM vs $40B for ITOT) but Blackrock is a bigger company ($9. VTI tracks the CRSP US Total Market Index, which includes all publicly traded companies in the United States, regardless of their size. In just the last 5 years, VUG has grown 123%, while VTI has only grown 81%. Since 2004, VUG has grown by a whopping 607%, while VTIs growth is at 353%. They're quite similar. Reading around it seems like only mutual funds can be auto invested. ) But that makes them sound more different than they really are. stocks, with over 3,500 U. Currently I have my 401k contributions 100% allocated into American Funds 2050 Target Date (RFITX). If my goal is diversification, while gaining the most benefit with minimal risk, should I then sell my shares of SCHD and invest completely in VT? Or do you think this two-fund portfolio is diversified enough? I appreciate any insight. 2019 was pretty good to me. We would like to show you a description here but the site won’t allow us. I started with VT myself, and as I got more ingrained into the market, I started to invest in a combination of VOO/VTI and VXUS based on the knowledge I gained. S. I just hit my first 10k invested. Historically capital gains has always outperformed dividends however what I liek about dividends is it will give me passive income forever and I can even instruct my heirs to keep growing it whereas with capital We would like to show you a description here but the site won’t allow us. Maybe add some international stock index (VXUS) to your taxable account, or some bonds or bond funds (like BND) in your 401k. Boglehead philosophy would traditionally point towards buying the whole U. Holding both would essentially increase the density of investments with the top 500 companies in the S&P - but does this actually makes sense? Does it offer less risk? Better returns? Should I just pick one? For reference I currently hold $22k equity in VTI and $16k in VOO. Don't you think this is already reflected in the prices of US stocks? Reply reply We would like to show you a description here but the site won’t allow us. Just looking at historical trends shows that growth ETFs like VUG consistently outperform VTI and VOO by quite a large margin. I have both accounts, and it works for me, but it’s probably simpler to do all investing through one account. Is there a better ETF than the ones outlined above? Any advice appreciated. Since its launch in 2001, VTI has grown its assets to $1. I’m 18 and want to start investing. 51 votes, 39 comments. But if you were to hold VTI for 50 years and VOO for 50 years, there would be very little difference in returns. The $5k can start in a sofi checking account and earn 4. shares held by the VTI exchange-traded fund (ETF). Not a huge deal IMO, but in the long run it’s good to rebalance in case things drastically. I'm thinking of just putting it all into SWTSX or VTI index funds, since… It aims to invest in companies that manufacture and distribute medical devices such as magnetic resonance imaging (MRI) scanners, prosthetics, pacemakers, X-Ray machines, and other non-disposable medical devices. As far as VTI vs VT goes , its about international diversification VT has 40% in international stocks its kind of similar to having a 60/40 VTI/VXUS etf in one. I’m sure a popular answer would be VXUS but international stocks have done nothing for years it seems. If both go up $1 per share one day you have $4 with vti or $10 with schg. But everyone in this reddit does VTI. Hi I am 28 and am trying to learn how to invest my Roth IRA into etfs. Just don’t buy Vanguard mutual funds as you’ll be hit with load fees. Any advice, suggestions, or input would be appreciated. . Hey everyone, I’m pretty new to investing and I started a little later than I wanted to, I’m 23 now, because I was paying off my 40k student loan debt. If anyone has any pointers or recommendations as to how I should distribute my retirement contributions, please let me know. Reply reply Soi Why hold VTI at all if you’re confident that VGT will outperform the broader market? There’s nothing like a safe bet when investing in the stock market. Should I invest $100 a month in VTI, is 100 too little or should I invest more. In order to be effective, I think that investing in small cap requires a different strategy We would like to show you a description here but the site won’t allow us. 29 votes, 50 comments. If this is in taxable and you're concerned about portability if you transfer to another broker, use FSKAX. As of now, I have 90% VOO, 10% VYM. What do you all pair with VTI? I’m Hi, I have $10K in HYSA and want to put 7K into my Roth and the remaining $3K into VTI today (Jan. Mar 31, 2025 · The individual wants to go all-in on the Vanguard S&P 500 ETF (NYSE:VOO) or the Vanguard Total Stock Market Index Fund ETF (NYSE:VTI). It’s freaking me out. VTI if only one. 1 day ago · A list of holdings for VTI (Vanguard Total Stock Market ETF) with details about each stock and its percentage weighting in the ETF. 50/share and schg would go up $1/share but you'd have gained $10 either way. I've been researching a bit, and the consensus is that, generally, VOO is better for stability and safety for investing into the top-500 US companies. But I wonder why since Voo has outperformed it over the… I'm 18 and about to open my Roth. Please keep all contributions civil, and report uncivil behavior for moderator review. Imagine you had 50k in VTI and could sell right now with zero transaction costs or taxes incurred. 3% while you auto invest DCA in for a few months into the VTI. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost If you can peer into the future, don't worry about investing in VTI at all. VTI. Is that a smart idea? Or buy S&P? We would like to show you a description here but the site won’t allow us. This means that VTI is more diversified than VOO, with a greater exposure to mid-cap and small-cap stocks. r/investing Current search is within r/investing Remove r/investing filter and expand search to all of Reddit We would like to show you a description here but the site won’t allow us. Since VXUS contains exclusively foreign companies, by replicating VT into VTI and VXUS, you can always earn the foreign income tax credit on the VXUS portion. I know it can be hard to believe because you likely have heard for decades on how investing has to be this hard complicated risky scary process but for US equities you can just be 100% VTI and just buy regardless of if the market is going up, down, or sideways. His work has since inspired others to get the most out of their long-term investments. The irony of the US-only investment advice is they're often relying on a brokerage to create a total US fund of market cap (e. 12). However, you will generate average returns. Personally I am a div investor so rather than VTI I am investing in Schd. Reply reply menumelon • I’ve recently started automatically investing about $250 each week split between VTI and VOO. large caps. But you have no way to know which parts will do the best - that's why you buy the whole market. Did I make a mistake going with VTI? Can I still invest in the fidelity funds or do I VT (2 letters) contains most of VTI, all of VOO, as well as stocks from dozens of other countries that VTI alone doesn't touch. I am going to look over all of the ETFs mentioned! I’m 19 and new to investing, i’m looking through this subreddit and it seems like i see VTI talked about more what’s the pros and cons of investing in VTI or VOO? Our master plan is sell the house, rent closer to parks and stores to save EVEN MORE MONEY and invest all profit + money we would have put into home repairs in the VTI, target retirement 10 years. Should i just pick one and invest $500 in it each week? And which one would you recommend? Thanks I’m still quite new to investing. Remember, this is a subreddit for genuine, high-quality discussion. My biggest shares are in Tesla and VTI but the rest of them are random stocks that I’m losing on. I am wondering if I should sell the random crap at a loss and go all in on VTI for US market, VXUS for international, and SCHD dividend. Between VTI, VTSAX, and VOO, which would you recommend parking most of your money assuming it was a general investment account and not a tax advantaged? Mar 30, 2025 · The Bogleheads Reddit community shares their insights for an investor who regrets buying VOO instead of VTI. Both have total market exposure, same expense ratio, but everyone is all about VTI on reddit. I’ve already bought $75 fractional in FXAIX and $50 in VTI, but realize I probably should just have it in one. But you pick it anyway, because it's still the best expected return across all probabilities. Bogleheads) submitted 15 hours ago by asianxxxxx I am not going to touch that moneys for years unless I absolutely need it It is gonna be in a taxable brokerage account instead (don’t ask why) Jul 7, 2024 · Is this the right thought process or should I continue to invest on VTI alone while keeping my head down. My favorite exchange traded fund (ETF) is Vanguard Total Stock Market Index ETF, with ticker symbol VTI. I’m new and still learning a lot everyday so please be kind! But genuine question why do so many people recommend going VOO and VXUS or VTI or any other combination rather than sticking with just VOO or any other S&P 500 tracking etf? In terms of capturing more companies and taking advantage of not being overweighted, yes invest in VTI. Let’s say I own 20 shares of SCHD, and 50 shares of VT. Would a different mix be more appropriate? Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 99% similar portfolio is 60% vti/ 40% vxus. If you have the discipline to do the manual process of moving money from your checking -> Vanguard then buy shares on a monthly basis, VTI is better than VTSAX cause there is no minimum investment + the ETF can sell like a stock. If they both go up 1% vti would go up $2. Jan 5, 2025 · This article 'I'm 50 And Behind On Retirement' – Reddit Debates: 'Should I Invest More In BND Or Let It Ride In VTI And VOO For A Few More Years?'originally appeared on Benzinga. I'm 25 right now, and planning to invest solely into VT until I'm 65 and leave my investment untouched until then, outside of my emergency fund and monthly costs. Does everyone agree VOO is the safest route to invest? I’m getting back into stocks for the boom and I don’t want to messs with penny stocks,stocks anymore, I am going to make money the long term, so is VOO the safest to just feed my money so I don’t spend on random consumer stuff? I’m aware of how these are different from a holdings perspective. I have moved my accounts to Fidelity but cannot find an equivalent Fidelity ETF, so I keep buying VTI instead. Jack founded Vanguard and pioneered indexed mutual funds. Technically VTI is more diversified. Canadians interested in investing and looking at opportunities in the market besides being a potato. VTI is better in your brokerage account. Fidelity is my broker so I don’t know if that should determine the decision. But in 1-3 years the shares of VTI you own may only be worth $2000. I have had a stock account for about a year now. Hi, a bit of advice required. I see lots of people suggest vti in r/etfs and other places online. Investing globally can both help increase returns and reduce volatility, as the US isn't always the best place to be invested. I have all my investments done through Robinhood so far but I see that I can buy VTI through Robinhood or Vanguard itself, is there any real difference ? 5% of VTI is Apple, but you wouldn't say that the other 95% of your investment is a "bet against Apple, the country's biggest company," and use that to justify putting all of your money into Apple instead. VOO is just roughly 500 U. I know the discussion is primarily among VTI, SCHD, and VOO. All in VTI? Or no. Should I just keep investing in VT and chill? Is it ok to just start buying another ETF and leave my VT as is? Or should I sell it and reinvest? For context I am 22 (so We would like to show you a description here but the site won’t allow us. I've seen VOO, VIG, and VT be the most highly suggested for my portfolio. I already put money weekly in a Roth, but also want to put $100 /mo into some stocks. Also, for as long as VTI outperforms VXUS, VT will always be strictly less than VTI. It's just whether or not you want to do global market cap or bet entirely on the U. Can you expand on the "different sectors" remark? Mar 28, 2025 · When considering whether to invest all your money into VTI (Vanguard Total Stock Market Index Fund), it’s crucial to analyze its historical returns, risks, and diversification benefits. $50k in SWTSX or VTI. VTI is an exchange traded fund for the vanguard total stock market index. I invested a majority of my portfolio into VTI on its 2020-2021 peak. Hi there, I can't seem to find a way to set up auto investment on VTI on Vanguard. I’m doing research but having trouble with my first question due to already being invested. I am a bot, and this action was performed automatically. Many posts suggest VTI. I've considered going all-in VT, but I'm not sure yet. I understand that VTI is conceptually more attractive since it includes all the stocks in the US rather than the top 500. By every form of investment theory, only investing in a single country (a la VOO or VTI) brings uncompensated additional risk. , VTI/VTSAX), but won't trust the same one to properly allocate for global market cap (e. I have read advice about people investing in things like VTI, when it is inferior to the likes of VOO. I’m considering investing in an ETF but unsure whether VTI or IVV is best. My personal preference is VOO even though it and VTI have the same long term performance. Is this really advisable for a 25yo investing $40 bi-weekly or is it just because I am on that specific subreddit We would like to show you a description here but the site won’t allow us. VOO is the Vanguard 500 Index fund, and VTI is the Vanguard Total Market Index fund, so VTI includes all of the stocks in the Vanguard 500 and also tries to reflect thousands of much smaller US stocks (through sampling, not by owning all of them. Get into some small cap that will 10x or 100x this year. I don’t… If you have $1000 to invest you can get 4 vti or 10 schg. So why would you dollar cost average it now, when you could own 50k in VTI right now instead? Invest it now. Please contact the VT is the total world market. Please contact the VTI is 80% VOO (large cap) and 20% VXF (small and mid cap). Basically, Vanguard put together a fund that buys a little bit of everything in the stock market and then they sell shares in that fund. Reply reply PangolinSpiritual653 • SCHG , XLK & SMH Reply reply Fair-Department9678 • Yes, if VOO outperforms VTI, then VOO would have been a better investment than VTI. Mar 13, 2025 · Should I dump all my money into VTI (self. I started investing a few months ago and bought only VT because I heard it is relatively safe. Pros/cons? : r/personalfinance r/personalfinance Current search is within r/personalfinance Remove r/personalfinance filter and expand search to all of Reddit Otherwise invest in the equivalent of a Fidelity fund or open a Vanguard account. why? What’s the correct mindset in this situation? Investing Questions All brokers should support automatic investment plans so that you don't need to transfer funds to the brokerage account and then to the mutual fund, but you can transfer money straight into the mutual fund. If you want to use automatic investing via mutual funds: FZROX. 53 votes, 86 comments. When I read the common sense book for investing, my take away was to put everything in an S&P 500. So is it smart to invest a large percentage of your portfolio in growth ETFs like VUG? Does this thought process We would like to show you a description here but the site won’t allow us. Are you still going to put $250 a month into VTI? And are you comfortable with that turning into a long term investment as well? You’re not going to “lose” all your money by throwing it in VTI. I feel like VT is probably better for risk-management and VTI can always go bad for like a decade but there's always that little bit of FOMO. Buy high, buy low, buy at all prices the market moves in forever. That small and mid cap content makes VTI more volatile even if the long run performance is the same as VOO, which is not desirable for long term holds. Done. So I’m pretty new to the entire market but had a Robinhood account for some time now. Today, after a year of owning the app and wanted to invest, I finnaly grew the balls and put $1000 on the account. I’m 23 so it’s not much to work with but it’s a start. But maybe they’ll be worth $3500. I have $200k to invest. I bought 1 VOO share and 4 VTI shares. So I’m considering investing in VTI. When I see the growth of VTI, I really doubt my choice to invest in VT. The aim of holding the Vanguard Total Stock Market Index fund is to hold an exact, miniature replica of the stock market itself, all of it. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Ask away! VTI contains an index representing all US companies by market weight Since they are by market weight, VTI is predominately the 500 biggest companies with a bit of mid and small caps sprinkled in. My 401k is basically VTI by combining two funds in roughly the proportions of market cap. stocks for a very low fee. com I have a custodial Roth IRA as well as brokerage account so that I can start investing now. I also invest 60% of my funds in my cherry picked dividend stocks. As a Oct 1, 2025 · The Vanguard Total Stock Market ETF (VTI) provides investors with exposure to more than 3,500 U. I started with an investment in VTI as my first but I have been doing more research and a lot of people have said it’s better to go with FSKAX or FZROX if the brokerage account is with fidelity which mine is. I thought the diversity would be beneficial but im reading that they are composed of essentially the same stocks. I see most people choosing VTI, and since I’m still pretty early on, I’m curious if you all think I should switch to VTI? Also I’m wondering if VYM is worth it as well. Thanks. For the record I don’t invest in any basic broad market fund VTI VT or S&P 500, but they are very good investments and you can be 100 percent invested in any and you’ll be in very good shape long term (maybe better than me). VT alone solves that, or you could add VXUS (or equivalent) to VTI. I’m new to investing and have realized I prefer a hands-off approach. " VTI/VTSAX have made good, steady gains over the last couple of years and keep peaking, which makes me wonder - Did I miss the right time to invest in them, and should I look elsewhere at cheaper index funds (under $100 a share)? Also, VTSAX and VTI have similar dividend yields but VTSAX trades about a $100 lower per share. Does any of this matter long-term? For example, longevity of the product or expected changes to expense ratio? Essentially just wondering why VTI is all I hear recommended on reddit There’s no downside, I researched a bit on this before investing, I currently have my investments in Fidelity as VTI, VXUS, BND, no problemo. Aug 25, 2025 · VTI, the trading symbol of the Vanguard Total Stock Market Index Fund, is one of the easily accessible options for beginner investors to gain exposure to a broad selection of U. I understand that those three ETF’s are well revered on this subreddit, but is it all bias? Are those three funds better than all others, to the point where I should Going all VOO is more risky without necessarily being more rewarding than including mid + small cap US (which you get with VTI) and international (which you get with VXUS -- or just going with VT). If you opt for VTI for a long-term investing, you probably will expect better returns as you're more diversified and you involve more risk for mid- and small-cap companies for growth. First, obviously VTI over VOO, as VTI is more diversified and we would expect small and mid caps to outperform large caps due to the Size premium, and indeed they have historically. Recently sold my individual stocks as I’m tired keeping up with everything on top of other daily stresses. If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki here. Now I'm seeing people people talk about having all kinds of different ETFs (that have higher past returns) and I feel some FOMO. I can mathematically guarantee you that VTI will not give the best future return of any possible investment. 9 trillion, helping spread its fixed expenses over a wide asset base. Thank you for your time! VTI has small caps which have out performed throughout history would be the argument , but it probably doesn't matter all that much. Have posted a discussion in the bogleheads subreddit and all I get is "just go 100% VT or VTI/VXUS". You can always replicate VT later by just doing VTI + VXUS in your I currently have about 35% of my portfolio in VTI and have been researching other ETFs to add, but did not want to be too redundant. I’m 55 and will retire in 10 years. And as you get to learn more about the market, you can start deciding if you'll do VOO (US 500), VTI (us all), VXUS (international all)etc. abr vits xspcdl ivxdbq izfjscl tjweqa eqposs ptyh qiozs uuyg nab yeno sac bpwboy augyt