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US has been outperforming but you don't know what will happen in 40 years. This includes beginner questions and portfolio help. Remove the temptation to … Check out the side-by-side comparison table of IVV vs. VTI. Just look at the utter hysterics that gets posted to r/investing anytime the S&P is down more than 1%. US returns have been great in the 2010s decade but the international market outperformed the American market in the 2000s decade. Only mutual funds and ETFs (exchange-traded funds) with a minimum 10-year history were included in … Investing I will have about $500 extra a month to do something inteligent with. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1149340. hide. Additionally, any buy order must equal a minimum of $1.00 per security before a … Depending on the stability of OPs job this is exactly what Life Cycle Investing recommends. But VTI offers a lot more liquidity and a slightly higher yield. Please contact the moderators of this subreddit if you have any questions or concerns. I recently started a traditional IRA, and am trying to investigate if going 100% VTI would be a wise choice? It also has one of the lowest … The US may not do as well as it has done in the past. save. Find me a stagnant 30-40 year period in US stocks, and don’t give me the “muh Nikkei” BS. Violations will result in a minimum 30 and likely 60 day ban upon first instance. I was 19 in 1999 and invested most of what I had in something similar to QQQ and got wrecked. I like your plays from a responsible stand point. The compound return of the S&P500 from 2000-2020 is only 6.01% because of the 2 stock market crashes in the 2000s. I have the same portfolio as you, 100% VT, and I am 35. Of course, major changes can happen and I think it is important to re-balance if there are large structural changes. And here are the recent historical returns of the S&P 500 and Total Stock Market index, as of January 4, 2019:[Data: Morningstar]The correlation in returns between the S&P 500 and the Total Stock Market Index is very, very high. I feel like “value” will win over the next 5 years considering most “growth” companies have already ran up 50,100,200% or more this year. EDIT: OSUBedbugs is correct. For instance, I didn't want to buy TSLA individual stocks so I got into it via the ETFs I mentioned instead. It compares fees, performance, dividend yield, holdings, technical indicators, and many other metrics that help make better ETF investing decisions. How does the overall expense ratio compare? Please note that as a topic focused subreddit we have higher posting standards than much of Reddit: 1) Please direct all advice requests and beginner questions to the stickied daily threads. I hope that all makes sense? Would like to now if there are any compelling reasons not to be. Remove the temptation to sell when you shouldn't. Same with Health Care and REITs. Never regretted it. The US will finally get its Covid shit in order. Anything else is simply an emotional response. Invest 100% in something like VTI or any boring Vanguard fund. And if you don't, your downside risk early is much more limited, since your principal contributions are the bulk of your portfolio, not your returns. VTI is total US stock market while VT is international. report. VOO: Vanguard S&P 500 ETF. this way you can rebalance. Does this mean that some ETF's won't be able to sell??? International holdings can reduce volatility and boost returns. What do you mean by "some are thinly traded" and "a few have been known to close"? "Growth" may be a misleading classification in some people's minds. Point is, the world is becoming more global and VOO + VTI will have very similar results over long periods of time. Being 100% stock and whether or not to invest in international stocks is a topic and comes up a lot lately. I understand VTI includes some of the previous, but I wasn't sure if I should focus more of my funds into those for the next few years. Do everything I could to automatically invest every month and never check the account. VTI has many of the same top holdings as SCHB and these two ETFs trade in tandem most of the time. It’s not without its risks though. One simple reason: If you diversify to the moon, you'll get the lagging basketcases as well as the booming big name stocks, Over the long term, this will do fine, which is the premise of your question I think, BUT I am your age and sold the VTI and VOO I own to buy into more specialized thematic or sector ETFs, They're not betting the farm on indvidual stocks. Hi, welcome to r/investing. Press question mark to learn the rest of the keyboard shortcuts. $200 per month is already being paid additionally to the 180k owed on the mortgage monthly (this $200 is separate from the $500). ... help Reddit App Reddit coins Reddit premium Reddit gifts. Largest holdings are Apple ( AAPL ), Microsoft ( MSFT ), Amazon.com ( … Invest 100% in something like VTI or any boring Vanguard fund. Have you played QQQ or TQQQ? So yes, it's always good to diversify. VBIAX, including dividends, lost … I don't know right now if I'll be able to go back at the end of that, but I also don't feel like I care that much. Hey all, Over the last few years I've accumulated about 100k saved most of it in gold, btc, 401k, and cash. Way to many people in 100% indexed equities don't understand that stocks can go down. Why not take advantage of that? Rather, it's betting on a specific sector and the ETFs that correspond to them, For tech, I got into EMQQ, FTEC, FCOM, PSCT, For renewable energy of all types, PBW, ICLN, TAN, FAN, QCLN, ACES, These are sectors that I'm bullish on as a young person and see huge potential in. But when you are younger you can absorb a lot more risk and that risk can be converted to massive gains. Press J to jump to the feed. US and international rotate favor, the recent decade has favored the US, but 2000-2010 favored international. Press J to jump to the feed. You want funds to stay up there when the market crashes. 2) Important: We have strict political posting guidelines (described here and here). Balanced portfolios outperform 100% equity allocations because a 50/50 portfolio loses so much less than the stock market during bear markets. share. Free ratings, analyses, holdings, benchmarks, quotes, and news. For instance, 2000-2010, it was basically stagnant, meanwhile developing market grew around 5-7% per year. If I have to buy it away from Vanguard, I use VTI. 5 years too short to invest funds? add some VXUS to diversify. Using a 4% withdrawal rate, using Portfolio Visualizer I compared Portfolio 1 (100% VYM) with Portfolio 2 (100% VTI) for the Go Curry Cracker retirement years. Cookies help us deliver our Services. For example, for the last fifty years, consumer staples has outperformed the S&P with less volatility. Assuming a starting value of $1,000,000 and $40,000/year spending, as of today, the lower yielding portfolio is worth $95,000 MORE. Don't hesitate to tell us about a ticker we should know about, but read the sidebar rules before you post. Don’t forget that some of the biggest growth companies right now would have been considered value plays a few years ago. Do everything I could to automatically invest every month and never check the account. I might get down voted for this but if you have access to cheap margin (1-2%) with your broker or a line of credit with a rock bottom interest rate, double up on VTI. Very few people remember that VOO lost in 2018 -4.42%. footnote * For the 10-year period ended June 30, 2020, 9 of 9 Vanguard money market funds outperformed their Lipper peer-group averages. So either I can just go 100% VT or VTI/VXUS? So, shifting from sector overweights to total market makes sense, and eventually, shifting into fixed income products. And keeps you from getting very burned and holding the bag with a company that goes belly up. VTI and VTSAX hold, as you know but for the benefit of others, exactly the same portfolio. Disagree, argue, criticize, but no personal attacks. Wow that was a good read. I would say minimum add international holdings (such as VXUS). I recommended that you read this Fidelity article about international investing. By using VTI, investors can build a great base and do so for cheap. Before that was 100% equities (mostly VTI) but am now knocking on age 60's door so holding some bonds along with real estate seems prudent. Help me make the right decision for my ETF Portfolio! I like QQQ as a growth fund, but you could also allocate a small percentage to VUG or MGK instead. The other big risk I see is if we ever enter a regime of higher interest rates and a down stock market it could be hard to reduce your leverage. And 2000 isnt a bad starting point, since 1999 was PNTR with China so it may be in fact result in a long term change in outlook in US equity returns--it may also not be. And, VTI these days is the better choice for exactly the reasons you put forth. 13. 3) This is an open forum but we expect you to conduct yourself like an adult. While it's really ideal to diversify more in ways similar to what Mohammad Sajad suggested, in general...there are situations where I think it's best to invest 100% in, say, SPY, which is an equal weight S&P-following ETF. They're essentially identical, I mean I imagine you look at volume before diving in so dont think one would just disappear without warning be clear that volume is dropping at some point. I'd say standard for a 30 year old would be 10%-30% bonds. Posted by 9 days ago. How to Get a 100% on a Test. keep 10 percent cash. It depends on your risk tolerance, but 100% stocks is if anything more risky than "standard" for a 30 year old. save. Using Vanguard’s low-cost ETF for the total U.S. stock market, we can construct the JL Collins Simple … VTI has international, but the top 10 are also all in VOO too. Its a great fund. I feel as though shortly after elections would be a smarter move, IMO. VTI moves a step beyond the basic index strategy, however. Yes but if you are in your 20’s and 30’s you have 30-40 years to grow it. IVV vs. VTI comparisons: including fees, performance, dividend yield, holdings and technical indicators to make a better investment decision. Check out our wiki and Discord! If you want to play around with trading, have a separate investment account. 100% VTI too aggressive for that? This U.S. stock market fund tracks the performance of … Learn everything about Vanguard Total Stock Market ETF (VTI). The second is that sector investment might be wiser and carry less downside risk with that time horizon. Almost any post related to stocks is welcome on /r/stocks. Looking at this link, comparing a 100% US stock, 100% International stock, and a 70% US/30% Int split portfolio, the 70/30 portfolio had better returns and less volatility since 1972. Honestly I think #2 is the most important thing. more In tax advantaged accounts, where there is no tax consequence to consider, it is probably to good idea to swictch. But I want to be fully exposed to each sector. Why do you have Soxx and SMH? For those of us with a long horizon, the plan should always be to keep investing according to the predetermined plan. Using this correlation calculator by BuyUpside, the correlation between VTI (Vanguard’s Total Stock Market ETF), and VOO (Vanguard’s S&P 500 ETF) is 99.96%. I'm going to re-iterate what others already, stay the course and add some VXUS. The only reason I can think of is to get some international exposure. For example, if you have long time frame until retirement, rather than buying multiple ETFs/mutual funds for equities and bonds, or a balanced fund that charges 2%, you can now buy a single ETF like iShares XGRO (80% equity/20% bond) at an MER of … VTI and VTSAX are the same fund. However, as your time horizon shortens, you want to de-risk. I'm comfortable with it because I have a high tolerance for risk. In recent weeks, I've been writing about how it's getting easier and cheaper to build a solid globally diversified portfolio using all-in-one ETFs. A lot of people I have talked to and seemed advice have told me that at my age I should be playing as aggressive as possible. Any legitimate reason not to be 100% VTI or VOO (or your broker's equivalent) for an IRA for investors in their 20s and 30s? Honestly I think #2 is the most important thing. you don't know what will happen in 40 years. After I switched to Vanguard, I decided to convert all my investments in the VTI to a mutual fund called VTSAX. You are young and have a higher tolerance for risks. Sure, some overlap. Expenses for VTI are basically free at just 0.04% or $4 per $10,000 invested. JL Collins Simple Path to Wealth Portfolio ETF Pie for M1 Finance. If so, does that mean your money won't be liquid when it comes time to cash out?? 5. … Keep in mind, M1 enforces a security maximum of 100 slices per portfolio. Could go into it with 150% VTI. I have $20K that I want to reinvest/invest more with. Your instinct to be aggressive is correct, but don't overcomplicate it. Edit - Truthfully, I am not 100% VTI but about 60/30/10 VTI/VXUS/BND. Plenty of reasons. VOO has an expense ratio of 0.03%, while VTI has an expense ratio of 0.03%. I own both in various accounts depending on which is cheaper for that account. Would like to now if there are any compelling reasons not to be. I wish I could go back and tell my 19 year old self how simple investing can be. I plan on rotating to other sectors as I see fit, This approach also lets you opt out of industries you don't want to support. Best Vanguard ETFs: Vanguard Total Stock Market ETF (VTI) Expense Ratio: 0.03%, or $3 per $10,000 invested annually. They’re just two different forms of it. E.g., coal and oil. Cheers. If your career is tightly couple with the stock market you shouldn’t invest on leverage. I am 19 and have been investing in VTI for a couple years now. Do you think now is a good point? Disclosure: I've been 100% VTSAX for 15 years. I invest 100% in US markets because I thought i had plenty of exposure to international by getting etfs with giant US companies in them. 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Risk and that risk can be money wo n't be able to sell when you should.! Will happen in 40 years never check the account got into it via the ETFs I instead. Etf 's wo n't be able to sell when you should n't the “ muh ”. 'D invest the other 10 % in an active fashion that suited my tastes,! Bot, and don ’ t give me the “ muh Nikkei ” BS the account some VXUS to... Years too short to invest in international stocks is a topic and comes up lot...

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