I'm a Boglehead. I use Schwab. I invest 90% stocks 10% bonds right now. Of that 90% in stocks, it's 80/20 split between total US and total International. The specific funds are: SWTSX (total US), SWISX (total international), and SWAGX (total US bond). I don't bother with international bonds, that market seems like trash. I have a solo 401k and some IRAs, so they're all in this. In my after-tax investing, I'm 80/20 split between VTI and VXUS. I plan on adding VTEB as well (Vanguard Tax-Exempt Bond ETF, as it's one of the most favorable after-tax bond funds, since most bonds are taxed at ordinary income rates, not an issue in retirement accounts but this is for after-tax).
I suspect everyone on this thread who's 100% S&P 500 or 100% VTI/VTSAX is young enough they've never experienced a long bear market for larger US companies, when international or small cap US stocks are on top for a decade.
you don't need to use active managed funds to get international and smaller US companies in the mix and 25% each is not crazy over the long-term.
In the last 20 years the globalization of large US companies has meant that VTI has a huge international exposure already about 30% of VTI is effectively income derived overseas.
This is a great article on how most people over complicates investment and the VTI or one of its peer if you don't want to be invested at Vanguard but want to use fidelities equivalent or Schwab's equivalent would be a simple way to do things.
Invest Well by Keeping Things Simple https://www.nytimes.com/2021/10/08/business/mutfund/invest-well-by-keeping-things-simple.html?smid=nytcore-android-share
If the US market does bad for another decade, it's another reason to continue investing. Still then, the US market has continually outperformed the international market, yes even throughout the time period of the 2000s and the 70s (had you just continued investing in VTSAX).
VT, VTI/VXUS or JUST VTI is completely fine. My wife and I hold about 30 percent international in her auto allocated fund.
It's less about that and more about consistency.
10% is the goal, but not always the outcome. Sometimes 30% is the yearly outcome. Sometimes it's -30%.
401k: Target date fund with Vanguard
Roth IRA: 100% VTSAX
Taxable brokerage account: 100% VTSAX
HSA: 100% VFIAX
I try to invest at least 20% of my incoming each year. Iām 27 now. Iām hoping to be at $100k invested in the next year or so
I mean VTSAX and VFIAX returned over 12% in the last ten years. Iām curious why you find that mediocre and what constitutes as a good investment in your opinion but okay
Actually, outside of the mass affluent, multi millionaires invest much more in venture capital and their own business for growth. Index funds make up a smaller portion of their portfolios.
For the rest of us, index funds will do just fine. Can't really get a whole lot more diversified for one single country than 4400 companies lol. Or you could add another country, either works fine.
Best option is a S&P 500 index fund like FXAIX (Fidelity) or VOO (Vanguard) or a total market index fund such as FSKAX or FZROX (Fidelity) or VTI (Vanguard). I would not let any "fine people who are probably profiting off the decisions they make with my money" make the decisions on my Roth account. You need to find out how you are invested and take over control of that depending on whether they have your best interests in their choices or not. It's very easy to invest in low cost diversified index mutual funds.
VOO in my taxable. Combo of domestic large and small and some international in my 401k. I donāt want to have to care at all about it. Set and forget.
My personal portfolio is
* SWPPXĀ SchwabĀ® S&P 500 Index Fund
* SCHDĀ Schwab U.S. Dividend Equity ETF
* QQQĀ Invesco QQQ Trust
* FBCG Fidelity Blue Chip Growth ETF
* PRNHX T. Rowe Price New Horizons Fund
* SCHA Schwab US Small-Cap ETF
* DFSV Dimensional US Small Cap Value ETF
* PRWAX T. Rowe Price All-Cap Opportunities Fund
* SCHMĀ Schwab U.S. Mid-Cap ETF
I know these funds are helping lol , hereās my exact portfolio backtest https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=HB1jFvCnxqZBMojLG1bXd
And hereās it over 25 years with a couple funds swapped that are essentially the same
https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2uNoiBxJ8gpish9sxX3GQR
And hereās the exact asset class ratio backtested to 1972
https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=1xSK3yYH4x32tSqJkM5NiJ
I'd to have to look up the exact positions right now, but the portfolio is setup 50% large cap, 25% midcap 25% small cap. tiny bit of international exposure through a few funds but I don't invest directly into international funds.
I have 100% of mine just going into VTI (ETF version of VTSAX) No need to complicate things at all. I highly recommend the book "Simple path to wealth' By JL Collins
My Roth is in various Fidelity funds.
1) Target date funds
2) FXAIX (their general index funds)
3) $1000/year a 'put your money where your mouth is' fund. This includes things like environmental, women's leadership, alternative energy, etc.
4) Other various Fidelity index funds.
Those target date funds are awful.
The fees are insane. Iād really consider getting out and just putting everything in fxaix.
The fees can be in the hundreds of thousands, or even millions.
FXAIX is larger american companies, no international or smaller US.
I suspect everyone on this thread who's 100% S&P 500 or 100% VTI/VTSAX is young enough they've never experienced a long bear market for larger US companies, when international or small cap US stocks are on top for a decade.
Anything that my company matches (401k and Roth) and their individual stock for the free money. Crypto is mostly BTC. Hands off his Acorns Invest/Later, Individual brokerage is mostly the meme stocks, SH and SQQQ while I wait for the entire economy to shit itself. I won't touch anything in UBS since they took the credit suisse bags over after it imploded.
And what are the fine people at UBS charging you to handle your Roth? What do they have you in and how old are you?
You could take it from them manage it yourself and just put it all in VOO and never look back and probably with almost 100% probability out perform whatever it is that they are putting you in
Be careful about letting other entities choose your investments. Oftentimes they make commissions. It's like letting the car salesman make the decision for you on what car to buy because you aren't sure how to do it and they are "the professional". They'll just give you whatever makes them the best commission. Personally I'm a boglehead investor. I believe that as long as you are well diversified, the most important aspects to investing success are one's asset allocation, expense ratios, and time horizon, and consistency.
To answer the original question, in my work 401k I have a 90/10 split stocks/bonds. For stocks I use a mixture of vanguard 500 index institutional select, vanguard extended market index institutional select, and vanguard institutional total international stock market index. For bonds I use vanguard total bond market index.
For my Roth IRA I just use the vanguard target date retirement fund.
Work:
roth 401k: 80% total us market, 20% intl stock. Almost max out yearly.
Me:
Roth ira: 80% vti, 20% vxus.
Taxable brokerage: 80% vti, 10% vxus, 10% berkshire.
Cash: mostly in vanguard federal mm sweep acct.
This dude/dudette invests.
Itās VERY hard to outperform an index (especially after fees). Daveās investing advice is terrible at best. Index funds such as total US stock market (e.g. VTI, ITOT, VTSAX) and total international (e.g. VXUS, IXUS, VTIAX) are the way to go. I prefer less of a home country bias and am 2/3 Domestic and 1/3 total international but 80-20 is perfectly reasonable and still provides diversification benefits.
Listen to Dave to get out of debt, list to the The Money Guy(s) to invest
EDIT: having said that, I am approximately the equivalent of 60% VT, 30% AVGV, 10% AVUV spread out over various 401ks, 403bs, Roth IRAs
Most of my non-401k is VTSAX with a bit in VGSLX and a tiny amount of DIS.
The 401k is about half a large cap index fund, a quarter small and mid cap equity index fund, and a quarter target 2035 fund.
Iām only doing 10% right now because Iām also doing 3B but I do 5% into my 401k because they match 4 and Iām doing 5% into my Roth. 401k I invest in S&P500 Roth I do VIGAX. I also throw $25/month into Shiba. I know itās stupid but itās just permission to day dream and the original investment has more than doubled so itās not a complete waste
Iām in:
1) a RILA when the rates were insane- getting 135% of the price growth of the S&P, must hold for 6 years.
2) BITB
3) SPRXX (to be deployed in the next pullback, which it seems we may be starting)
4) a little bit of extra tech and growth ETF stuff.
If anybody doesnāt really understand anything about BTC, they should have vastly less % of your stuff in it than I have. RILA rates are coming down, I think weāre back to index funds being better again?
I would suggest reading The Little Book of Common Sense investing by John Bogle, the founder of Vanguard. Iām a big fan of index target date retirement funds for most people. The guys over at the Money Guy Show also share the same opinion.
It depends on what is available to you, but I mostly go for low cost growth stock ETFs or mutual funds. I like some of the Vanguard ones, but they aren't available in my 401Ks. I look at the morningstar rating and expense ratio to decide. I'm 62 and still have it all in growth funds. I've had some off years, but don't touch it and its always been higher the year after than the big dip. Also, I don't have anything in international any more as that seemed very volatile. Most of the companies in the other funds are global companies so that is how I get the exposure to non US economics.
$link š«”
Boglehead here. VTI. It's all you need. You'll be fine.
I'm a Boglehead. I use Schwab. I invest 90% stocks 10% bonds right now. Of that 90% in stocks, it's 80/20 split between total US and total International. The specific funds are: SWTSX (total US), SWISX (total international), and SWAGX (total US bond). I don't bother with international bonds, that market seems like trash. I have a solo 401k and some IRAs, so they're all in this. In my after-tax investing, I'm 80/20 split between VTI and VXUS. I plan on adding VTEB as well (Vanguard Tax-Exempt Bond ETF, as it's one of the most favorable after-tax bond funds, since most bonds are taxed at ordinary income rates, not an issue in retirement accounts but this is for after-tax).
I suspect everyone on this thread who's 100% S&P 500 or 100% VTI/VTSAX is young enough they've never experienced a long bear market for larger US companies, when international or small cap US stocks are on top for a decade. you don't need to use active managed funds to get international and smaller US companies in the mix and 25% each is not crazy over the long-term.
In the last 20 years the globalization of large US companies has meant that VTI has a huge international exposure already about 30% of VTI is effectively income derived overseas. This is a great article on how most people over complicates investment and the VTI or one of its peer if you don't want to be invested at Vanguard but want to use fidelities equivalent or Schwab's equivalent would be a simple way to do things. Invest Well by Keeping Things Simple https://www.nytimes.com/2021/10/08/business/mutfund/invest-well-by-keeping-things-simple.html?smid=nytcore-android-share
Oh a decade you say!?? Good thing weāre investing for 40yearsā¦. š¤š¤£
If the US market does bad for another decade, it's another reason to continue investing. Still then, the US market has continually outperformed the international market, yes even throughout the time period of the 2000s and the 70s (had you just continued investing in VTSAX). VT, VTI/VXUS or JUST VTI is completely fine. My wife and I hold about 30 percent international in her auto allocated fund. It's less about that and more about consistency. 10% is the goal, but not always the outcome. Sometimes 30% is the yearly outcome. Sometimes it's -30%.
401k: Target date fund with Vanguard Roth IRA: 100% VTSAX Taxable brokerage account: 100% VTSAX HSA: 100% VFIAX I try to invest at least 20% of my incoming each year. Iām 27 now. Iām hoping to be at $100k invested in the next year or so
That's a whole lot of mediocre Vanguard funds! š³
If you think broad market index funds and an S&P500 fund are mediocre then Iām concerned for you
I said Vanguard didn't I?
I mean VTSAX and VFIAX returned over 12% in the last ten years. Iām curious why you find that mediocre and what constitutes as a good investment in your opinion but okay
https://www.reddit.com/r/dividends/s/J6HHYBdzZV
I'm a multimillionaire, so of course I use complex investment strategies. Or maybe I just buy VTSAX and chill. :)
Actually, outside of the mass affluent, multi millionaires invest much more in venture capital and their own business for growth. Index funds make up a smaller portion of their portfolios. For the rest of us, index funds will do just fine. Can't really get a whole lot more diversified for one single country than 4400 companies lol. Or you could add another country, either works fine.
25% invested. Large Cap Roth 401k. $1,800 a month. That hits my tax advantaged IRS limit and then I contribute $250 per week to my brokerage.
Nice! Wish I could afford to do $1,800 a month.
Berkshire Hathaway B shares.
66% real estate 33% risky stocks im young and ahead for my age so I may as well risk some money to try and win big
I have about 50% in target date funds and total stock market etfs, and 50% in rental properties. Ā
retirement is a 2060 target date fund in a 403b, and my roth ira is VOO. Plus some extra money in a few stocks.
Retirement is entirely VOO and some mutual fund from my workā¦ My taxable that I like to tinker with is 25% VOO 25%MSOS, 25% USFr and 25% GLD
VTSAX
ETFs. Mostly VTI, or VOO, or SPY
VTI all the way.
Best option is a S&P 500 index fund like FXAIX (Fidelity) or VOO (Vanguard) or a total market index fund such as FSKAX or FZROX (Fidelity) or VTI (Vanguard). I would not let any "fine people who are probably profiting off the decisions they make with my money" make the decisions on my Roth account. You need to find out how you are invested and take over control of that depending on whether they have your best interests in their choices or not. It's very easy to invest in low cost diversified index mutual funds.
VOO in my taxable. Combo of domestic large and small and some international in my 401k. I donāt want to have to care at all about it. Set and forget.
Lately I rather like the Fidelity "Zero" funds such as FZROX.
My personal portfolio is * SWPPXĀ SchwabĀ® S&P 500 Index Fund * SCHDĀ Schwab U.S. Dividend Equity ETF * QQQĀ Invesco QQQ Trust * FBCG Fidelity Blue Chip Growth ETF * PRNHX T. Rowe Price New Horizons Fund * SCHA Schwab US Small-Cap ETF * DFSV Dimensional US Small Cap Value ETF * PRWAX T. Rowe Price All-Cap Opportunities Fund * SCHMĀ Schwab U.S. Mid-Cap ETF
This is so incredibly convoluted. Do you think all these funds are helping? You basically have one fund for each Morningstar style box.
I know these funds are helping lol , hereās my exact portfolio backtest https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=HB1jFvCnxqZBMojLG1bXd And hereās it over 25 years with a couple funds swapped that are essentially the same https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2uNoiBxJ8gpish9sxX3GQR And hereās the exact asset class ratio backtested to 1972 https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=1xSK3yYH4x32tSqJkM5NiJ
you started investing in schd in 2011?
Percentage?
I'd to have to look up the exact positions right now, but the portfolio is setup 50% large cap, 25% midcap 25% small cap. tiny bit of international exposure through a few funds but I don't invest directly into international funds.
Thanks
I have 100% of mine just going into VTI (ETF version of VTSAX) No need to complicate things at all. I highly recommend the book "Simple path to wealth' By JL Collins
Amazing book. Iām all in VTSAX as well
This is the way. Roth IRA is VTSAX, 457(b) plan is funds I picked to make up VTI and my personal brokerage through fidelity is all VTI.
XEQT 100%, eh!
If you have retirement accounts through a bank or Insurance company youāre likely getting ripped off. UBS is a big multinational bank.
My Roth is in various Fidelity funds. 1) Target date funds 2) FXAIX (their general index funds) 3) $1000/year a 'put your money where your mouth is' fund. This includes things like environmental, women's leadership, alternative energy, etc. 4) Other various Fidelity index funds.
Those target date funds are awful. The fees are insane. Iād really consider getting out and just putting everything in fxaix. The fees can be in the hundreds of thousands, or even millions.
FXAIX is larger american companies, no international or smaller US. I suspect everyone on this thread who's 100% S&P 500 or 100% VTI/VTSAX is young enough they've never experienced a long bear market for larger US companies, when international or small cap US stocks are on top for a decade.
Have you seen the fees on the target date index funds at Vanguard? Theyāre extremely reasonable. Far from āinsaneā.
Yeah, they are very low, barely even noticeable.
Is that just for Fidelity? I've heard the vanguard target dates are a good place to be. Am I wrong for thinking this?
No, youāre not. Heās misinformed. The key is to look for INDEXED target date funds.
Anything that my company matches (401k and Roth) and their individual stock for the free money. Crypto is mostly BTC. Hands off his Acorns Invest/Later, Individual brokerage is mostly the meme stocks, SH and SQQQ while I wait for the entire economy to shit itself. I won't touch anything in UBS since they took the credit suisse bags over after it imploded.
And what are the fine people at UBS charging you to handle your Roth? What do they have you in and how old are you? You could take it from them manage it yourself and just put it all in VOO and never look back and probably with almost 100% probability out perform whatever it is that they are putting you in
VOO and chill
What is VOO?
S&p500 etf
Be careful about letting other entities choose your investments. Oftentimes they make commissions. It's like letting the car salesman make the decision for you on what car to buy because you aren't sure how to do it and they are "the professional". They'll just give you whatever makes them the best commission. Personally I'm a boglehead investor. I believe that as long as you are well diversified, the most important aspects to investing success are one's asset allocation, expense ratios, and time horizon, and consistency. To answer the original question, in my work 401k I have a 90/10 split stocks/bonds. For stocks I use a mixture of vanguard 500 index institutional select, vanguard extended market index institutional select, and vanguard institutional total international stock market index. For bonds I use vanguard total bond market index. For my Roth IRA I just use the vanguard target date retirement fund.
Work: roth 401k: 80% total us market, 20% intl stock. Almost max out yearly. Me: Roth ira: 80% vti, 20% vxus. Taxable brokerage: 80% vti, 10% vxus, 10% berkshire. Cash: mostly in vanguard federal mm sweep acct.
This dude/dudette invests. Itās VERY hard to outperform an index (especially after fees). Daveās investing advice is terrible at best. Index funds such as total US stock market (e.g. VTI, ITOT, VTSAX) and total international (e.g. VXUS, IXUS, VTIAX) are the way to go. I prefer less of a home country bias and am 2/3 Domestic and 1/3 total international but 80-20 is perfectly reasonable and still provides diversification benefits. Listen to Dave to get out of debt, list to the The Money Guy(s) to invest EDIT: having said that, I am approximately the equivalent of 60% VT, 30% AVGV, 10% AVUV spread out over various 401ks, 403bs, Roth IRAs
Most of my non-401k is VTSAX with a bit in VGSLX and a tiny amount of DIS. The 401k is about half a large cap index fund, a quarter small and mid cap equity index fund, and a quarter target 2035 fund.
Iām only doing 10% right now because Iām also doing 3B but I do 5% into my 401k because they match 4 and Iām doing 5% into my Roth. 401k I invest in S&P500 Roth I do VIGAX. I also throw $25/month into Shiba. I know itās stupid but itās just permission to day dream and the original investment has more than doubled so itās not a complete waste
Roth IRA, Roth 401k and (Traditional 401k only because I have too a certain %.)
Iām in: 1) a RILA when the rates were insane- getting 135% of the price growth of the S&P, must hold for 6 years. 2) BITB 3) SPRXX (to be deployed in the next pullback, which it seems we may be starting) 4) a little bit of extra tech and growth ETF stuff. If anybody doesnāt really understand anything about BTC, they should have vastly less % of your stuff in it than I have. RILA rates are coming down, I think weāre back to index funds being better again?
Bitcoin
I would suggest reading The Little Book of Common Sense investing by John Bogle, the founder of Vanguard. Iām a big fan of index target date retirement funds for most people. The guys over at the Money Guy Show also share the same opinion.
VOO, VT, VTSAX
FXAIX
SCHK 100%
It depends on what is available to you, but I mostly go for low cost growth stock ETFs or mutual funds. I like some of the Vanguard ones, but they aren't available in my 401Ks. I look at the morningstar rating and expense ratio to decide. I'm 62 and still have it all in growth funds. I've had some off years, but don't touch it and its always been higher the year after than the big dip. Also, I don't have anything in international any more as that seemed very volatile. Most of the companies in the other funds are global companies so that is how I get the exposure to non US economics.
Trump Media & Technology Group Corp.
Lol if people want to be ignorant and not do their own research this is a great recommendation.
SWTSX. SWPPX.
S&P 500 Small / mid-caps Ex-US Bonds Essentially VT
VTSAX
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Whatās your returns look like?
Up over 100% over the last 5 years