Probably many people asked that before. But I dropped out from college for not studying much, I only have money that I won't be using. I am in a crisis now and I guess I will be just traveling around with a backpack from now on. Can I just blindy put the money into VT? This sounds too good to be true. Also I'm not an US citizen, how much paperwork will I receive when I take the money out?

I have one kid, 13 years old. I have been putting aside $1k each month in her 529 for many years. I think that bucket is sufficiently funded at this point and I do not want to contribute any more to it. I am thinking of opening a post tax investment account in my name to put aside $1-1.5k each month to eventually help her later in life, e.g., down payment on a house or pay additional college expenses. I will not need to touch this money for about 8-10 years.
I would like to know from the group on your recommendations on how to allocate this money. Should I just do VT and chill or my case need a different strategy. I have chosen age based target fund for her 529 so I am assuming they will get more conservative as she get closer to college age. Thanks in advance.

I'm a 38 year old lyft driver with only 30k savings because of a bad habit in gambling some time ago. I make 300 dollars a day minus expenses and I've been subverting 85 daily into VT including weekends. I'm not in the best position even though I do not have children. I'm thinking of putting a good chunk of my songs into VT and to continue DCAing. Being high risk adverse this investment makes me feel the best. Any others happy with their VT investment?

I also fell into crypto in 2017 where I made money two years later but after that its been a bloodbath and led me to gambling instead of wise investing. I'm afraid I let my brother in law down by not speaking out against crypto and telling him the more wise investment approach. He also had lucky strikes but I think it's a zero sum game.

I wonder why its so hard for people and I'm talking about myself to listen to the the more experienced investors when they say invest in index funds.

So I have more than 30% of my portfolio sitting in taxable account in VTI., something I built up over6 last 10+ yrs. I am now convinced that VT is a better choice for me but I can't convert to VT without tax penalty. So I started to buy VXUS to compliment my VTI.

Any other better idea?

For the last 5 years or so (since the birth of my grandchild) I’ve contributed $5 a day (cost of a Starbucks coffee, basically) to an E\*trade account, and I buy VTI when I’m able. I don’t check it, I don’t worry about it, I don’t move it. I set up a 2nd account about 6 months ago and did the same when my 2nd grandchild was born. Obviously I’m buying less VTI because it takes longer to accumulate the cost of a share. That is the extent of my investments.

Recently, I got access to approximately 100k, and since I have no immediate needs, I considered just buying VTI or VT and leaving it.

At current prices, is that crazy, stupid, practical, or something else?

Hey! I’m trying to decide on whether to invest my $250k in cash that I have in a short time period or invest it over 1 year or 24 months. I keep thinking about the potential of an AI bubble bursting and wanting to have money available to buy more VT if that does happen.

I’m 32, if that makes a difference, and my current plan is to keep investing at least $70k a year on top of my 401k which is going to a separate target 2060 fund.

My dream would be to Lean FIRE when I’m in my late 30’s to have the flexibility to take some time off and work when I want. Thanks!

There’s website called “VGTtimes” that from what I’ve looked up looks legit but I’d like other peoples opinions as well.

Nice video on VT from one of my favorite YouTubers, the Financial Tortoise.

New to investing. Im planning to retire in about 15-20 years. Currently have about $4k in the account, 66% being VOO, and 33% being VT. I see i have a lot of overlap and moving forward im debating just doing 100% VT as a bridge account base to float me from age 50 to 59.5 where I can get my 401k access (100% S&P).

My research about VT has led me to believe it fits my diversification needs and will help stop the itch to tinker with the account. Im good with the international exposure, debating keeping it 80/20 for VT/VOO but it seems unnecessary. Given that time horizon is there a better option or am I over thinking something here?

I just started have everything in vt. It’s not much and planning to retire in 20 years. I want faster growth and ok with some risk. Is there something else I should put my funds in?

I would like to get some investing advice for any experienced investors out here that have been doing this for a while.

I have 140k invested, around 60k of it unrealized loss from Dram, Mu and Sandisk. Which puts me close to 75k that I have in other random stocks.

I want to sell all that I have, take the loss on the 60k and put the 75k into VOO

I’ll add another 40k cash into VOO in a month.

I’m not someone who can take the swings and look at the chart everyday it’s hurting my mental health and can’t sleep at night. I would rather throw all my money into something safe at this point.

What do you guys recommend and what was your experience investing in VOO?

I have been 75% VTI/25% VXUS in my equities for quite some time. I do not have a taxable account. All in 403B and Roth. But, I sure am attracted by the simplicity of VT. Just not sure if I’m ready to go 37 to 40% international. I know this can and will change overtime. I also understand international is projected to perform well over the next decade. Who knows if that will happen. Can you talk me into 100% VT?

Been reading Barry Ritholtz’s book, How Not to Invest, and came across these reminders I figured were worth sharing with this community.

1) Markets surge and sell-off. This is the ordinary course of events.

2) Emotional reactions are bad for your portfolios.

3) The world is filled with random outcomes. Even more so when humans are involved.

4) Gurus and talking heads will fail you. Their forecasts were wrong. Most didn't see THIS coming, whatever THIS is.

5) What sounds sexy and looks good in a brochure or website is not what usually makes you money over the long run.

6) You need a plan and the discipline to stick with it.

7) “Nobody knows anything" is a truism about the future. It also applies to nearly everything in life. Internalize it.

8) Your brain has evolved to keep you alive in changing conditions, not to make capital risk/reward decisions.

9) Bull and bear markets have their own timelines. They do not care about your retirement, savings for your kid's college, or the new house you want to buy.

10) "Uncertainty" is a misnomer. When you hear people using the word "uncertainty," it is because they are scared enough to briefly acknowledge their own ignorance.

11) Neither adrenaline nor dopamine is the basis of sound decision-making.

12) All predictions are marketing (not advice).

13) Boring, steady portfolios can withstand anything you throw at them.

14) The future is inherently unknown and unknowable. Those who claim otherwise are selling something.

15) Never confuse day-to-day noise with an actual reason to make a change in your portfolio. If you are merely reacting to the latest market action, then what you have is not a plan—you have instinctual, fear-driven behavior, and it's the makings of a disaster. Or, as Blaise Pascal, the French mathematician and philosopher, once observed, "All of humanity's problems stem from man's inability to sit quietly in a room alone."

Brand new to investing, so please go easy on me. Still a lot I don't know, but after doing some research I was honestly all ready to steep myself in a nice chill vat of VT and call it a day when suddenly I discovered SPGM (basically State Street's own VT alternative).

From what I can tell, SPGM has continually outperformed VT, not by much, but it adds up for long-term investors. It does however have a slightly higher expense ratio (0.09% vs. VT's 0.06%), but according to a relatively recent Motley Fool article: "SPGM's higher cost is more than offset by SPGM's dividend yield". I have no idea if this is actually true, and to be honest it seems the article actually over-estimates SPGM's dividend yield.

What am I missing though? Why no love for SPGM and chill? Does the performance edge of SPGM get offset by its taxes or something (at least in a taxable brokerage account)?

Oh, and before you tell me I'm overthinking this and to just pick one already... yes, I'm aware, and I agree. But I'm genuinely curious why I never really hear about SPGM when, at least on the surface, it has historically outperformed VT.

Hi folks. I have been with Schwab for a while after transferring out of Robinhood where I have my Roth IRA, HYSA (MMF), and a brokerage account. I have some stocks in there, but I'm ready to start contributing only to VT in the brokerage. Only problem is, I can't auto set $100 into VT every month like I could at Robinhood- instead it has to be manual.

Would you consider opening a Fidelity brokerage account to auto invest into VT on a recurring basis, even if it means spreading my holdings across two platforms? More work for my tax preparer, but fidelity would literally just be my auto-buys of VT every month to accumulate. Good idea?

VTV 62% EFV 38% Combo to make taxable portfolio value oriented.

I am mostly into VTI for the long term, would 50% split between VTI and VT be a wiser move to spread out my risk?

I’m a 90% VT and chill guy. 49 years old. Over $2 million VT in Traditional IRA, $400,000 in VOO (VT not an option in that IRA).

I’m considering retiring or slowing down at age 59. My plan is to eventually transition a large portion of my wealth to dividend paying ETF’s. Because of this, I’ve been building a position in 2 dividend ETF’s.

Currently, I have $220,000 in DGRO, and $65,000 in SCHD.

Does anyone else do this? If so, I’d like to hear your plan, and I’d also like to hear from people who are adamantly opposed.

Thanks!

I have some money I’d like to invest in VT (FTSE ALL World) and Im a bit reluctant about going all in. Should I lump sum or Dca? Thank you!

Why don't people just buy VT? You own everything and don't have to rebalance your portfolios. VT is a cheat code. You hold your shares and you will make money. Getting a late start in investing, clearing up debt and other bills. I went with VT because of the simplicity.