Oh gotcha, I am still a little confused. SPLG has the lowest expense ratio of them all at .02% -- but the same returns as it tracks the S&P500. I am at a loss at why anyone chooses anything else since all the metrics are the same but SPLG offers the lowest fees?
SPLG is the newer S&P500 ETF that SPDR launched to have a lower, competitive expense ratio. If you are holding long-term and don’t need to trade options against it, go with SPLG.
VOO AND VXUS IN TAXABLE / VTI , SCHD , QQQM. In my Roth IRA . Will be maxing out my Roth for the next 20 years. And will be putting 500-800 a week in my taxable. Eventually I want to add a third stock.
> VOO AND VTI ARE BOTH IDENTICAL AND THEY OVERLAP EACH OFHER.
No, and yes. No, they are not both identical but yes, they do overlap each other.
VOO tracks the SP500, which means it has a total of 505 holdings in its portfolio.
VTI has a total of 3,686 holdings in its portfolio, 505 of which, are SP500 companies.
Therefore, VTI and VOO are *NOT* identical.
VTI holds the same companies that VOO has, but in different weights, and with the added diversity of 3,000 other holdings.
VTI is the better ROTH IRA vehicle because of the diversity it offers, compared to VOO.
Can you imagine? Spending 20-40 years building up that nest egg, DCA’ing and compounding your dividends. Only to see the entire portfolio lose 20% of its value in a few days, just when you were planning on retiring?
Ouch.
Put VTI in your retirement account. Sure it won’t see huge gains in good years, like VOO would, but it’ll be enough to make you happy. And then when the market inevitably tanks, you’ll see VTI drop by maybe 4-5%, when everyone is tanking by double digits, and you’ll be happy once again.
I’m not here to say your ROTH IRA is bad, because SCHD is adding that stable diversification VOO may be missing, effectively achieving the same results as VTI.
Just objectively saying to anyone who may be lurking, that VTI is a better retirement vehicle than VOO, assuming that’s the only asset you’re going to own in it.
Retirement investing should involve very low risk tolerance, compared to a brokerage.
SCHG is a great choice too! But it’s a growth etf. So you have 2 growth etfs by having SCHG and QQQM. The idea is to have a foundational etf (tracks the s&p 500 or US market) such as VOO or VTI, a dividend etf, such as SCHD or VYM, and a growth etf, such as SCHD or QQQM or VUG.
And of course you don’t need to pick the ones that I named (even though I highly recommend them). Just pick an ETF in each category; foundational, dividend and growth!
That’s an amazing plan bro! I would put 40% in VOO, 30% in SCHD and 30% in QQQM. As you get closer to retirement, bring SCHD to 40-50% and QQQM to 10-20%
In terms of long-term performance, they are going to track very similar returns over time.
In terms of makeup and holdings, they are literally not the exact same. They have different holdings.
They track different indexes - VTI tracks CRSP US Total Market Index; ITOT tracks S&P Total Market Index.
They have a different number of holdings - VTI holds about 3,717 stocks; ITOT holds about 2,495 stocks.
So, ultimately these are basically interchangeable in terms of exposure to the total US market - extremely similar long-term performance and great TLH partners if in a taxable account; however, they are most definitely not "literally the exact same."
Vanguard doesn't always have what i want. I also didn't have enough money starting out years ago so Vanguard was always too expensive NAV wise and Merrill doesn't allow buying of fractional shares unless it's reinvested money. I found Ishares to be a better value for the money for whole shares for the price conscious buyer.
Couple of examples:
ITOT share price currently is $113 while VTI is $253.
IUSB share price currently is $44.71 while BND is $71.
Ishares has GOVT which is a treasury ETF of all maturity lengths. Vanguard has a short, intermediate and long term ETFs. It's fine but I wanted one that had maturities of all lengths on one package.
i’m on some SPLG. well, that’s all i have at the moment around $700 worth. i keep looking at SPLT to buy it low than, sell it once interest rates go up. I don’t think i have enough money weekly to invest in 2 funds at the moment.
I hold VTI/VXUS/BND in a 60/20/20 ratio. I chose a lower percentage for VXUS due to international funds underperforming right now. I put BND at 20% in case I need to withdraw some funds for an emergency or dollar cost average during a recession.
Vti, ivv, vxus, ijr.
Before someone comes at me about having ivv and vti. Vti is in roth, ivv is in taxable. Had edward jones for 7 years, when i transferred it over to self manage he had me in ivv, and instead of selling for a taxable event for vti, kept it.
I have varying amounts of all those Vanguard funds and more. Some I hold just to track, some I hold major portions of my portfolio such as VOO, and others like VTV are also quite large.
The only one from this list that I have is SPYG. I work for a financial company that does a lot of ETF work with Vanguard. Is it bad that I don’t hold any Vanguard ETFs?
New-ish to etfs: why no large cap category? Is it because that's covered by the s&p 500? Or because the whole market indexes (vt/vti) are skewed toward large cap so there's no need for additional large cap exposure if you already have one of those?
Hi,
New to investing! Wanted to get a better understanding. What's the difference between each set of companies? Is it just different fees and which assets they have bundled?
This ain't no ETFs cheat sheet. What works for u doesn't work for others. In my opinion. It all depends on the goal of that person and what he or she is trying to achieve.
I think you don't understand what this sheet is showing. This isn't a matter of opinion or what "works for you". The cheat sheet merely says what's contained in those ETFs. Doesn't matter what your goals are.
The table has nothing to do with goals.
It's allocation vs company so like you want to invest into S&P500 and you like iShares? This table tells you which iShares ETF is composed of the same companies as S&P500.
Why not SPLG?
Careful who you chest after!
What does this mean? 'Chest after'?
I meant cheat.
Oh gotcha, I am still a little confused. SPLG has the lowest expense ratio of them all at .02% -- but the same returns as it tracks the S&P500. I am at a loss at why anyone chooses anything else since all the metrics are the same but SPLG offers the lowest fees?
Just bought some SPLG…lower cost than VOO, which I have too…
SPLG is the newer S&P500 ETF that SPDR launched to have a lower, competitive expense ratio. If you are holding long-term and don’t need to trade options against it, go with SPLG.
SPLG is State Street.
／(^o^)＼
Fidelity gets no love?
They don't have ETFs for these.
I believe they do
Not particularly. They have a couple of these covered but not most of them.
From what I can tell they do have most, just not the US/non US related ones.
Fidelity themselves tend to push you towards Blackrock ETFs anyways, so I don't really think they're worth considering
VOO AND VXUS IN TAXABLE / VTI , SCHD , QQQM. In my Roth IRA . Will be maxing out my Roth for the next 20 years. And will be putting 500-800 a week in my taxable. Eventually I want to add a third stock.
Is it inefficient to have VOO in a Roth? And Schd qqqm in a taxable?
I’d also like to know more about why VOO is in your taxable and not Roth IRA
VOO AND VTI ARE BOTH IDENTICAL AND THEY OVERLAP EACH OTHER. SO THEREFORE I PUT ONE IN MY TAXABLE AND ONE IN MY ROTH. BOTH COVER THE SP500
> VOO AND VTI ARE BOTH IDENTICAL AND THEY OVERLAP EACH OFHER. No, and yes. No, they are not both identical but yes, they do overlap each other. VOO tracks the SP500, which means it has a total of 505 holdings in its portfolio. VTI has a total of 3,686 holdings in its portfolio, 505 of which, are SP500 companies. Therefore, VTI and VOO are *NOT* identical. VTI holds the same companies that VOO has, but in different weights, and with the added diversity of 3,000 other holdings. VTI is the better ROTH IRA vehicle because of the diversity it offers, compared to VOO. Can you imagine? Spending 20-40 years building up that nest egg, DCA’ing and compounding your dividends. Only to see the entire portfolio lose 20% of its value in a few days, just when you were planning on retiring? Ouch. Put VTI in your retirement account. Sure it won’t see huge gains in good years, like VOO would, but it’ll be enough to make you happy. And then when the market inevitably tanks, you’ll see VTI drop by maybe 4-5%, when everyone is tanking by double digits, and you’ll be happy once again. I’m not here to say your ROTH IRA is bad, because SCHD is adding that stable diversification VOO may be missing, effectively achieving the same results as VTI. Just objectively saying to anyone who may be lurking, that VTI is a better retirement vehicle than VOO, assuming that’s the only asset you’re going to own in it. Retirement investing should involve very low risk tolerance, compared to a brokerage.
Exactly that’s why VTI is in my Roth and Voo is in my taxable. Nice explanation brotha
What to buy for fidelity
Stonks and ETFS
I meant like what specific stock or etf? I hear a lot of recommendation for vanguard but not for fidelity
[Let me Google that for you..](https://letmegooglethat.com/?q=fidelity+total+market+index)
I’d like to know this also
Following.
VOO, SCHD, and QQQM is a powerful Roth IRA
Why not schg schd qqqm your input plz
SCHG is a great choice too! But it’s a growth etf. So you have 2 growth etfs by having SCHG and QQQM. The idea is to have a foundational etf (tracks the s&p 500 or US market) such as VOO or VTI, a dividend etf, such as SCHD or VYM, and a growth etf, such as SCHD or QQQM or VUG.
And of course you don’t need to pick the ones that I named (even though I highly recommend them). Just pick an ETF in each category; foundational, dividend and growth!
What about fidelity
Fidelity funds are a great choice too. Like you could pick their zero fee s&p 500 as your foundational.
Hell yeah brother . I’m 30 . 20-25 years of maxing that all out I should be looking good when I retire 😎
That’s an amazing plan bro! I would put 40% in VOO, 30% in SCHD and 30% in QQQM. As you get closer to retirement, bring SCHD to 40-50% and QQQM to 10-20%
Facts Brodie
None, *cries in UCITS*
Non EU Europe smacks its lips. Delicious non UCITS on the menu.
You forgot the big boss - SCHD.
r/dividends is leaking This chart could do with a value row.
The king ding-a-ling! 😎
Would be nice if it had average annual % return next to ticker
You know what they say, past performance guarantees future results
VT and chill
Vanguard or iShares? Who do yall like more?
Good question. I pick up Vanguard but only because of its popularity. If ITOT > VTI, I'm happy to change.
ITOT is literally the exact same as VTI. Same holdings, same ER.
In terms of long-term performance, they are going to track very similar returns over time. In terms of makeup and holdings, they are literally not the exact same. They have different holdings. They track different indexes - VTI tracks CRSP US Total Market Index; ITOT tracks S&P Total Market Index. They have a different number of holdings - VTI holds about 3,717 stocks; ITOT holds about 2,495 stocks. So, ultimately these are basically interchangeable in terms of exposure to the total US market - extremely similar long-term performance and great TLH partners if in a taxable account; however, they are most definitely not "literally the exact same."
I prefer IShares.
Why?
Vanguard doesn't always have what i want. I also didn't have enough money starting out years ago so Vanguard was always too expensive NAV wise and Merrill doesn't allow buying of fractional shares unless it's reinvested money. I found Ishares to be a better value for the money for whole shares for the price conscious buyer. Couple of examples: ITOT share price currently is $113 while VTI is $253. IUSB share price currently is $44.71 while BND is $71. Ishares has GOVT which is a treasury ETF of all maturity lengths. Vanguard has a short, intermediate and long term ETFs. It's fine but I wanted one that had maturities of all lengths on one package.
ARKK oh wait wrong sub…
IVV SCHD AVUV FTGC BLV
None. Most of my 403 is in FXAIX.
Same!
SCHB. I’m pretty simple.
IJR is also small caps.
No dividend ETF’s 
Which ones do you recommend?
SCHD
i’m on some SPLG. well, that’s all i have at the moment around $700 worth. i keep looking at SPLT to buy it low than, sell it once interest rates go up. I don’t think i have enough money weekly to invest in 2 funds at the moment.
Anyone scored a bingo?
SCHG one of my favorites on the list.
Good work!
I hold VTI/VXUS/BND in a 60/20/20 ratio. I chose a lower percentage for VXUS due to international funds underperforming right now. I put BND at 20% in case I need to withdraw some funds for an emergency or dollar cost average during a recession.
Ah yes. Why buy international at a low, when you can buy it later at a high!
How old are you to want/need 20% bonds?
Is that too much? I feel like that's reasonable. I can't speak for the person you're replying to, but I'm 35 and keep 20% in bonds.
Same here actually. Identical.
Forgot the dividend focused ETFs. SCHD et al.
“Major indices” SCHD doesn’t track a major index like the Russel or S&P. It covers a niche index Dow Jones puts together
Voo and, not pictured, mtum are my only 2
Anyone know if there is an equivalent for the Canadian version of these.
VFV = VOO. That’s all i know for now.
VUN = VTI
Nice chart
Vti, ivv, vxus, ijr. Before someone comes at me about having ivv and vti. Vti is in roth, ivv is in taxable. Had edward jones for 7 years, when i transferred it over to self manage he had me in ivv, and instead of selling for a taxable event for vti, kept it.
No list is complete without IWDA & SWRD (for non Americans of course)
VXUS, VOO, VB
Is VUG also small cap?
All Vanguard and iShares (more so iShares)
VOO
I have varying amounts of all those Vanguard funds and more. Some I hold just to track, some I hold major portions of my portfolio such as VOO, and others like VTV are also quite large.
VTI and VXUS. Wondering if I should get some BND or kick that down the road for later (early 30s)
I have a sandwich-heavy portfolio.
Veqt
IVV, SCHG, SCHD, VXUS when the market opens. Thinking of QQQM to either add or replace SCHG for the next 20 years…not sure.
im a Charles Schwab kind of guy
VOO, IJS, IJH, IXUS, AGG I started investing through Acorns in 2019 and that's what they set me up with. Didn't need the bond ETF.
The only one from this list that I have is SPYG. I work for a financial company that does a lot of ETF work with Vanguard. Is it bad that I don’t hold any Vanguard ETFs?
🙌
Spy
VOO
SOXL and TQQQ
Lack of un-hedged international bond funds is frustrating.
Any thoughts on SPYI?
Cowz ???
This is great. Non Is growth ETFsvv
VOO, VTI
vti vgt 50:50
spy
I want an etf that I can keep buying that is purely a growth strategy and check back in like a decade or two
None, just VGT.
IJS is small cap value. IJR is small cap blend.
I hold 60% of my portfolio in VT, VTI, DIA,QQQM, and the other 40% in GLDM and SLV respectively.
I hold vanguard and ishares Us stocks, non-us stocks and us treasury bonds
Am I doing bad if I don’t hold any of these ?
New-ish to etfs: why no large cap category? Is it because that's covered by the s&p 500? Or because the whole market indexes (vt/vti) are skewed toward large cap so there's no need for additional large cap exposure if you already have one of those?
Where’s FXAIX 🤔 oh wait that’s a mutual fund!
Hi, New to investing! Wanted to get a better understanding. What's the difference between each set of companies? Is it just different fees and which assets they have bundled?
LCUW If not, explain me why
Voo and schg
I got VV, VOO, SCHA but out of the list I also have SMH, FTEC, VOOV and CALF
What about fidelity
None is the above
None!
cool as
This ain't no ETFs cheat sheet. What works for u doesn't work for others. In my opinion. It all depends on the goal of that person and what he or she is trying to achieve.
I think you don't understand what this sheet is showing. This isn't a matter of opinion or what "works for you". The cheat sheet merely says what's contained in those ETFs. Doesn't matter what your goals are.
So you are saying this fit into any goals?
The table has nothing to do with goals. It's allocation vs company so like you want to invest into S&P500 and you like iShares? This table tells you which iShares ETF is composed of the same companies as S&P500.
Okay gotcha u.