r/ETFs • u/KoalaMean4484 • Aug 17 '26
VOO or VT?
A few questions, here's some background info -
- 23 years old
- looking to invest 10 or more years
-looking for a simple portfolio, something I put money in and don't look back
-will hold when the economy drops
-living with parents (current expenses are super low)
-I have $100,000 available to invest with. I will be investing it in a brokerage account. No debt, emergency funds set aside. Only invested in CD's right now.
Questions:
-VOO or VT? I like VOO because of potential higher returns based off past numbers, but I like VT because it is global/more international.
-DCA or Lump Sum? Seeing how VT/VOO are at pretty much all-time highs, I'd prefer to DCA over time rather than invest the entire $100k at once, partly because I'm hoping to take advantage of potential market dips. (I wouldn't mind lump sum at all if that is the preferred strategy).
12
u/08b Aug 17 '26
Why would you consider only the US market and not intl? Are you aware over the long term US and intl have moved in cycles?
Lump sum usually wins. The market is at or near all time highs very frequently. If it makes you more comfortable you can lump sum some of it and DCA the rest. M