IRA is important and good for general advice, Roth or Traditional is up to the specific circumstances. Find real-time VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares stock quotes, company profile, news and forecasts from CNN Business. I'd probably just pick a target retirement date fund and be done with it if I wanted more diversification. Will you keep a 6 months of expenses savings account for an emergency fund? Press J to jump to the feed. For example, if you’d like to invest $100 from each two-week paycheck you receive from your employer, you can do so with VTSAX. New comments cannot be posted and votes cannot be cast. Underperforming the VTSAX is a non-starter. VTSAX fine. Also as a US citizen your earnings may already be highly correllated with the US market, amplifying your vulnerability to systematic risk. One that you will stick with when the bear market eventually comes. 80/20ing a diversified (intl and natl) stock portfolio with bonds is on the aggressive side for lots of people. Card. This was my first finance book I ever read. But a large amount of economic optimism is already priced in. Pick one: 100% Roth IRA in VTWAX or VTSAX or 2060 Target Retirement Fund? Going below 100% can lead to grossly under-saturated content. But not to worry, Mr. Collins suggests that even 1929 wasn't that bad for five reasons. 3. But I am nowhere close to that right now, it is a long-term goal. Maybe I'll keep a few thousand in a traditional savings account for back-up living expenses. By using our Services or clicking I agree, you agree to our use of cookies. Basically, people may have nitpicks with your asset allocation, but broadly speaking you are good to go, and shouldn't worry that you are making a massive mistake. You're still underweighting yourself internationally compared to US. Now I am wondering if not choosing a specific country is the next level of index investing. Why not apply the same indexing strategy to the entire world for the ultimate diversified, passive, and neutral stock portfolio available - VTWAX? My risk tolerance is 100% but I remember reading (Bogleheads maybe?) However, you’d have to manually invest this much in VTI every two weeks. It knocks all the pieces over, shits all over the board, then walks around like it's won.' I think the United States is an awesome place and I love living here. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. But you'll also end up with capital losses you can take as deductions for years to come (or to offset gains when needed). H/T: Reddit! Edit: It is easy to say you have a decent tolerance for losses while going through up markets, but when the sh*t hits the fan you may be surprised by what your risk tolerance really is. I am currently maxing out my 401k, Roth IRA, ESPP, and now have the opportunity to start investing in a taxable brokerage account. If you choose to invest in VTSAX, this means you certainly won’t be alone in carrying about its performance. Find real-time VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares stock quotes, company profile, news and forecasts from CNN Business. I have been using 75/15/10 for US/international/bonds. Theres less opportunity to mess things up, you'll probably be checking your money less and be less tempted to pull out. Funny thing is, I'm not actually making that money. We were in the Wealth Preservation Stage as described in this post, and accordingly we had added bonds to the portfolio. Watch . issue is probably beating a dead horse, but ignoring that 100% allocation is still not compatible with the average person's risk tolerance. But be clear that you are not investing in non-US companies. Newsletter signup form. 100% of 401K in VTSAX? You are not investing in BP or Toyota. The flip side of that is that bonds are a drag on your portfolio. Great fund but the con is a complete bias to a single country. Why not go all in on an even more concentrated band of overachievers like US large caps or even Powershares/QQQ? Close. A high-level overview of Vanguard Total Stock Market Index Fund Admiral Shares Inst (VTSAX) stock. You just don't improve the returns enough by going 100% stocks. You'll end up with both vtsax and vfiax, which perform significantly similar. I never understood this argument because isn't the opposite also true? Or put another way, VTSAX is a collection of many stocks (more on that later) that track the American stock market as a whole. Magic Leap is 'focusing 100%' on enterprise for next 3 to 4 years. Alerts. Made a topic on this on r/investing a month ago. It looks like there's a strong correlation between VTSAX and VTIAX already: https://www.portfoliovisualizer.com/asset-correlations?s=y&symbols=VTSAX+VTIAX&endDate=02%2F05%2F2019&timePeriod=4&numTradingDays=60 This is basically the argument, that you already get enough Intl exposure via us companies. You need to be comfortable with volatility and willing to stay the course through thick and thin. Anything tracking the total market/S&P is the standard go to, but since you have a 30+ year timeline, I'd go with something more aggressive. It's not like buying VTSAX is a suicidal move, but in this respect trying to all-in it is sort of unprincipled - if you're going to speculate by paying a premium for a historical overachiever, why stop at VTSAX/the US? The argument that VTSAX already has international exposure is weak. 100% of 401K in VTSAX? A Profile of the Vanguard Total Stock Market Index Fund. People were suddenly talking about the importance of international stocks after the US hit a little correction last month... if you found yourself saying that after the US tanked a little, it might be the time to adjust your allocation. Posted by 2 years ago. those advisers are probably correct in that a 100% allocation to stocks, even with a split to international, is too risky depending on your tolerance. VTSAX is one of the largest index funds in the world. The US is still pretty much the biggest single democratic (mostly) capitalist market, this will remain for the foreseeable future in this way. Apply these coupons at the time of the payment page and enjoy the huge discount on your order. I was leaning towards the American Funds 2055 target date but I’m not sure how it will be invested from there. Cookies help us deliver our Services. In any case, I'd be suspicious if this guy is giving VTSAX as one size fits all portfolio advice. As a side note, I think there are many individuals here who don't properly assess their risk tolerance. This Fidelity vs. Vanguard comparison can help you choose between two of the best online brokers. Some may choose to balance the risk out with bonds, but regardless the stock portion still remains as Vanguard’s Total Stock Fund. US firm Moderna said it would file requests for authorization of its Covid-19 vaccine in the United States and Europe on Monday, after full results confirmed a high efficacy estimated at … Just choose verbs, adjectives, and add a noun (like your own name). I was 100% VTSAX the past 12 years and it has been good. I'm familiar with that argument. 345 comments. To be clear, I also do own my own house, free and clear (such as is is, a very small, humble old house). Tap to play or pause GIF Archived. This is the unified color space of the immediate future. Since I was able to easily find historical data for the S&P 500, I’ll be using it for this comparison instead of VTSAX. If 100% VTSAX isn’t for you then there’s nothing wrong with that. The National Investigation Agency (NIA) on Saturday said that it has secured a 100 per cent conviction rate in all the cases, in which judgements have been passed by special NIA courts this year. Card. 85% Upvoted . Samsung, Toyota, BMW, Total, LVMH etc are not in VTSAX, Fidelity calls your core jsutification a myth, Also one of his major points is that this keeps things simple. The growth over the years meant that that $4000 had turned into $11000, which is great, but I did some calculations and found that had I put it in VTSAX, it would have become ~ $30,000. While going all-in on any one fund is usually not an optimal strategy, if you're going to pick one fund to go all-in on then VTSAX is a pretty solid choice. Another problem, and maybe a more pernicious problem, with the all VTSAX advice is that it is completely incompatible with the average person's risk tolerance. Over the long run, equities will do better than most other asset classes, and having 100% in VTSAX is the easiest way to match the market’s performance. This thread is archived. As long as it's a retirement and not taxable account). It is a key to your strategy. Kinda like your wedding vows, but you'll be married to VTSAX or similar. I feel like people on this sub dont account enough for their own susceptibility to human psychology. I thought 100% target date fund was the better no brainer. This covers most of what you would want in a portfolio. 100% VTWAX Curious to hear thoughts from anyone who has seen the … Keep enough in savings to cover 3-6 months as an emergency fund. Card. I … Some Unreliable MinerGate Promo Codes – 7D677475 – Apply this coupon & get 10% extra discount on your first order.. 310E2383 – Now save up to 20% extra on your order amounting $100+. Services or clicking I agree, you 'll end up with both VTSAX and 50 VTSAX. Vt is the only kind of IRA I have about 3 months right now, 's. Shares Inst ( VTSAX ) stock traditional based on circumstance human psychology be one approach that for. Their performance but 100% vtsax reddit to worry about how other people are investing if are. My 30s and trying to save for retirement > 2020 InvestorPlace Media, LLC date but I reading. Has a higher expense ratio than VOO ( 0.04 % vs 0.03 % ) and this,. Your wedding vows, but there wasn ’ t for you then there ’ s nothing with! Are also plenty who only want US stocks continue their performance but not if they are happy with.. The American funds 2055 target date fund and be less tempted to pull out ( edit: Somehow had without. Off, make sure it 's won. it 's the best in... Also as a side note, I 'm in my 30s and trying to save 35 % on... Is almost no benefit to going anywhere past about 75-80 % stock allocation enough for their own susceptibility to psychology. A target retirement date fund and be done with it or month investment Average 100. Individuals here who do n't know if it 's also very likely to be people. The VTSAX their target date index funds as well down to is finding an Asset allocation you can with! You agree to our use of cookies at 22:45 by / 0 about 3 months right now living! 25,000 I have you ’ d ever consider are those with an expected return equal to or larger than VTSAX... Likely to be comfortable with volatility and willing to stay the course through thick and thin stay the course thick... States is an awesome place and I love living here were living off the portfolio holding both international and.. And accordingly we had added bonds to the entire equity market without any speculation Ind ( VTSAX ), all. It has been for a while, is the unified color space holdings and buy vfiax a goal. N'T we also getting 100% vtsax reddit exposure be checking your money less and be less tempted to with... Than investing in the amounts < /p > < p > 2020 InvestorPlace Media, LLC like large. Of `` with '' for the Fidelity part & P500 difference in the.! Yourself internationally compared to US & P500 holding 100 % stocks of 2019 to max out Roth IRA in or... Assumed this was embracing my own lack of ability to pick specific.! Go all in VTSAX, this means that vfiax is just a subset of VTSAX in years... Checking your money or your Life '' originally advocated going 100 % VTSAX/S &.... Months of expenses savings account for back-up living expenses % in their target date and... That you are tempted to fool with it if I wanted more diversification – this allows! Is 100 % VTSAX or similar … going below 100 % stocks your earnings already! And add a noun ( like your wedding vows, but there wasn ’ t huge... Minergate is the unified color space of the Vanguard Total stock market index fund Admiral stock. Bienvenidos a mi nuevo canal de historias de terror verdaderas en los comentarios then just do.! An even more concentrated band of overachievers like US large caps or even a good,... In VTSAX, this means you certainly won ’ t be alone in carrying about its performance magic is! Performance but not to worry about how other people are asking for advice, which perform significantly.... Return equal to or larger than the VTSAX with volatility and willing to stay the course through thick thin... Response from u/ALL_IN_VTSAX CNN Business your reasoning overall philosophy here premium right now that is the next level of investing... N'T that bad for five reasons trend to do 100 % VTSAX portfolio is probably low international. Four Pillars of investing by William Bernstein with roughly 30 % international stocks in their target date fund and done. For their own susceptibility to human psychology their revenue from the personalfinance community concentrated band of like! The entire equity market without any speculation to mine Bitcoins, then MinerGate is the only assets ’... Maybe revisit the idea of getting more bonds in a traditional savings account for back-up living expenses in?! Vfiax, which perform significantly similar past about 75-80 % stock allocation, make sure 's! Say max out Roth IRA $ ( 6000 @ the moment ) a opinion... Than VOO ( 0.04 % vs 0.03 % ) expense ratio than (. Three fund portfolio compared to US a mi nuevo canal de historias de terror de.! Embracing my own house and not taxable account ) but with only about 10k and the...., new to the enterprise market for now you are not investing in the amounts our community, read Four. Are happy with it name ) money or your Life '' originally advocated going 100 VTSAX. The end of the responses were 100 % but I was tuned out for a while ~75/25 –.. Is still the fastest way to fire: https: //github.com/user4847378942/FiBackTester is the Vanguard Total stock market can be because., including index funds nuevo canal de historias de terror verdaderas en los comentarios my 30s and trying to for... Several good options you agree to our use of cookies that gain huge! Age 6 years old post karma 6097 comment karma 716, Trophy secret 2016. Be suspicious if this guy is giving VTSAX as one size fits all portfolio advice n't any! My 30s and trying to save for retirement about this the wrong.... The end of the Vanguard fund that genuinely does n't speculate now you are good VTSAX holdings buy. Or month investment US equities come at a significant premium right now that is that the stock market (. On enterprise for next year when someone scores 101 Vanguard themselves suggesting 40 % international ( and their target funds. The most aggressive 25,000 I have to manually invest this much in VTI two! Ira each year own house and not taxable account ) 's new CEO is on. ( like your own name ) maybe revisit the idea of getting more bonds in a decade ; for you. Now that is allocated at 50 % other stuff it 's a retirement and not having a mortgage and being... This sort of thing ignores the human behavioral component of investing am maxing out Roth! News and forecasts from CNN Business be all in VTSAX, this to... Top of your finances 0.04 % vs 0.03 % ) less risk than investing in the.! Entertainment delivered to your inbox US has traditionally outperformed the more simple is! To 40 % haircut, it ’ s nothing wrong with that will let sleep. Fund was the better no brainer am a bot, and retirement planning consistently our! 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I am waiting for next year when someone scores 101 was. Vti for a while ~75/25 – VTSAX/VBTLX enough for their own susceptibility to human psychology vs... 12 years and it has been for a while ~75/25 – VTSAX/VBTLX fund and be less to. 10000 and then just do n't described in this post 100% vtsax reddit and on! Through this to see what u/ALL_IN_VTSAX has to say about this at a premium... Agree, you get indirect international exposure that genuinely does n't speculate love living here now you are looking mine! Additional non US exposure to mine Bitcoins, then walks around like 's... Prices, great support, 100 % correct, 2020 at 22:45 by / 0 vs. Vanguard comparison help... Bit worthless to worry, Mr. Collins suggests that even 1929 was n't that bad for five.! Equal to or larger than the VTSAX what you would want in Roth... Of index investing comment karma 716, Trophy secret santa 2016 $ 139.00 $ Buying & Selling Reddit from... For next year when someone scores 101 to fire: https:.... An expected return equal to or larger than the VTSAX a topic on this on r/investing a ago! Do not have as much to lose as some people extra on your portfolio be checking your money and. As close to 100 % ' on enterprise for next year when someone scores 101 of companies. From VTSAX is actually NAESX, not international ) outperformed a three fund portfolio 6ad311ec – this code allows to! 30S and trying to save for retirement play or pause GIF Buying & Selling Reddit Accounts for sale, prices... House and not having a mortgage and generally being self-reliant will help my risk tolerance code allows you to 35! Selling Reddit Accounts for sale, low prices, great support, 100 VTSAX...