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• (3 points) VTI
• (3 points) Why buy VOO when it’s the same thing as VTI but double the price ? Duck that
• (2 points) VOO or VTI

My Portfolio is now at -10% since I started, while it was up 30% in it's prime. I don't know if I should cash out the rest to prevent further losses or just let it rest there for a few years until the... Read More

• (18 points) In your taxable account, I would sell all positions with losses and use the proceeds to purchase replacement shares in something similar but not identical. With etfs this is straightforward - i.e. exchange VTI for VOO or VV. With individual stocks, I would simply sell the losing positions and fold them into an etf for now; you can buy them back later if you wish. In this way, you'll be selling low, but also buying low, creating a tax asset in the process. Depending on your marginal tax rate, this tax asset could be quite valuable. It may also allow you to realize large gains in the future without having to pay much or any tax (the realized losses would partially or fully offset the realized gains, and of course, return of capital is tax-free). It may also help to keep in mind that shares represent an ownership stake in a real business which, like a farm, or an apartment complex, or a local McDonald's franchise, produces income year after year, and sends you a check representing your share of the profits. Some years are good and some are bad, but so long as the business produces a profit - even if it is lower than last year's - some portion of that is yours to keep. In most cases, one doesn't sell an otherwise-productive farm simply because the value of the real estate it's on went down, or because drought rendered the crop unusually sparse for the year. You might think of equity ownership in a similar way. Tax-loss harvesting, as described above, is simply a house-keeping chore you can perform in taxable accounts to create a tax asset while maintaining your equity stake. It's less about selling for the sake of cashing out, and more about exchanging one equity position for a similar-but-not-identical equity position with similar performance in order to realize losses that can lower you tax burden or offset gains elsewhere in the portfolio. The operation involves a sale, but the concept of ownership in a real business remains the same. Good luck.

My Roth IRA has been in a target date fund for ten years, and its return has been consistently lower than newer retirement funds (SEP, 401k) that I've just put in VTI. Is this the expense drag? There ... Read More

I've only been in the market for about 18 months and I've learned a hell of a lot. Kinda like the old fashion tactic of teaching a kid to swim, just throw them in the lake, they'll learn quick. I'm ki... Read More

• (7 points) Adventure. . . excitement. . .a veteran investor craves not these things. I'm kidding but only a little. Mostly I've had the invest steadily in good time and bad with a set amount each month and DCA when I can afford it or notice it. But I started investing at the tail end of 2009 and the only thing is gauge your own appetite for risk when it comes to investing outside of a set VOO or VTI like ETF. I agree it is fun every now and then to do some research and make a pick but not with more than I can afford to lose. I've had some great picks (Moderna) a year before the pandemic and some shit calls like Coupang at their ATH. But I think taking your base hits and walks but every now and then swing for fences. Losing on these big swings hasn't hurt as bad because it was "fun" money. But steady investing has kept my heart rate low.

Basically the title. If there'll be a recession and this bear is long for 2-3 or even 5 years... If you're in it for 20+ years, why does it matter? Isn't it really just prices on sale for you to DCA? ... Read More

• (2 points) Or if not sure of quality stocks, buy low-expense quality ETFs, like VTI and VOO, via DCA.

I have quite a bit of SPY sitting in a rollover IRA and I am considering selling it to buy FXAIX or VOO to avoid paying the higher expense ratio of SPY. It seems to make sense to avoid the expense rat... Read More

• (8 points) IRAs are tax advantaged. You can buy and sell as much as you want without facing any tax consequences. SPY is more liquid than VOO. This means it has a lower bid-ask spread, which makes it better for trading. VOO has a lower expense ratio, which makes it better for long term holding. That being said, SPY has a relatively low expense ratio, and VOO is also highly liquid. If you're at Fidelity, I recommend using FZROX in tax advantaged accounts. Total market is generally better than S&P 500 funds, and FZROX has a 0% expense ratio. It has more sampling than VTI in the smallest holdings, but that has very little impact on the long term return (and can either help or hurt slightly). Don't buy the Zero funds in taxable accounts though because they can't be transferred.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is... Read More

• (2 points) I'm a 23-year-old who just started my first job and I've been putting away $1,000-$1,200 a month into $VTI. I was curious to get some opinions regarding diversifying some of it into international equity. The ratio I'm working on is 70% US Equity and 30% International Equity (15% $EFA, 15% $EEM). But now I'm curious if 60% US Equity and 40% International Equity is the better balance. I know chasing past performance is frowned upon but internationals seem like good diversification considering their outperformance in 2000-2010 plus the strong dollar makes it somewhat of a bargain + $EFA has nearly a 5% yield. I plan to aggressively go into equity only to stay aggressive while I can. I have about $18,000 in savings as well and will look to lump-sum $8,000-$10,000 or so if we see more downside.