VXUS
Vanguard Total International Stock ETF
stock NASDAQ ETF

By regularly investing in a solid index fund (eg VT or VTI/VXUS, though VOO/VXUS is fine too), doing that for a couple decades without obsessing over your account, and then looking up years later with millions in the bank.

What I got from my utma were some hilarious choices so I get it.
That being said, I didn’t get my hands on it and everything transferred until I was in my late 20’s. I just sold everything recently and went into VTI and VXUS and I really wish a responsible adult had gotten me to sell and reinvest when I was in college not making any money so I could have taken advantage of 0% tax bracket!!

So for example comparing VT at 0.06 vs. 60% VTI at 0.03 and 40% VXUS at 0.05% (which equals out to an expense ratio of 0.038 combined) then yeah you would save $220 per year per million. If that is exactly what you want to do, then congratulations you saved $220.
But if you wanted any different weight by allocating differently (buying other ETFs, or even different percentages of VTI vs. VXUS), then that choice of changing the allocation is going to make a far greater impact depending on whether the new allocation performs better or worse than VT.

Selling VT at a loss and buying VTI + VXUS will not trigger the wash sale rule. Do not need to wait 30 days.

In the last 75 years the S&P 500 has had an average of 17 new highs per year. The long term trend is up. If this were me, as long as your runway is at 16 years old, I would put money in the market as soon as I had it.
Also, don't forget international and small cap stocks. You'll need that market coverage to be fully diversified in stocks. Some funds that may be worth a look are VXUS, AVDV and AVUV.
GREAT JOB STARTING THIS JOURNEY AT SUCH A YOUNG AGE! CONGRATULATIONS!

Isn’t US small cap market already included in VTI? Also, I was thinking of avoiding VXUS because I feel like theres alot of underperforming stock in there that I really don’t care about including.

Isn’t US small cap market already included in VTI? Also, I was thinking of avoiding VXUS because I feel like theres alot of underperforming stock in there that I really don’t care about including.

If you're hesitant to buy because you think the market is overvalued, don't buy VGT. Tech is where the highest valuations are concentrated. I would just sell all of these and buy VTI+VXUS at a 60/40 ratio. Assuming this is money you don't need for 20+ years, that would be the safest bet in theory. Even if the market crashes, it will come back eventually. It doesn't really hurt you that much if you're holding it for decades.
If you need some of this money back in a shorter timeframe then caution is justified and you can keep some in cash or buy bonds.

I like the general direction but would simplify the portfolio and include emerging markets.
For the US, I'd simply keep VTI (and SPMO if you really want to have some momentum factor exposure) and then add VXUS for international exposure to also include emerging markets.
For SC Value exposure you could add AVUV + AVDV.
The big question that remains is how much home bias you want to have in the allocation. Currently, you have about 15% international, whereas marketcap weighted would be close to 40%.

23M - Hey Guys! As mentioned above, I just inherited my UTMA and I am so blessed but my grandpa had some interesting stocks. CARR, OTIS, RTX, WFC, XOM. They are not horrible options but man if he would've chosen AAPL or AMZN haha. (I really am so grateful). My plan is to simplify my portfolio into VTI, VGT, and VXUS.
Just for reference the current portfolio vs SP 500:
1Y: 6.12% vs 14.67%
3Y: 26.30% vs 77.79%
5Y: 119.53% vs 102.25%
10Y: 88.66% vs 291.96%
What do y'all take away from this, am I on the right track? My main question is when I sell and reallocate how would you all go about doing this in such a market where everything is overvalued and expensive. I do believe in time in the market beats timing the market but with $200,000 I am afraid to just throw it all in at once. What should I do??? Thanks in advance!!

I would buy 140k of VTI and 60k of VXUS. I buy 70/30 every pay day. I just got wired \~50k yesterday after a house sale; 70/30.

VTI and VXUS, using fractional shares so the share price doesn't limit your ability to invest. 🙂

I’d be fine putting that all in VTI and VXUS and adding in bonds later. I’d raise VXUS to at least 20% though.

Use VXUS instead of VEU to include international small cap. VEU is international large + mid cap, VXUS is international large + mid + small cap.

I'm a very unusual case but here's my story. I'm American, 59 years old, and for most of my life I worked overseas in ESL. I have no pension and no social security. I had no idea how the market worked. About a year ago, I decided to resign from my job in Saudi Arabia and realized that if I didn't actually start investing in something, I might run out of money in ten years time (or less.)
So in the six months between when I gave my resignation notice and I actual left Saudi, I taught myself how investing works. I then moved to rural Colombia, opened a Schwab account, and put most of my six figure savings into it. I have half in VOO and VXUS, and the other half in SGOV, JEPI, and QQQI. I get about $1300 US per month in dividends, more than enough to live on, pay minimal US and Colombian taxes and keep my student loan payment to $0/month. I don't plan on touching the VOO and VXUS for at least five years.
Even if I did have the capital to hire a financial advisor, I doubt any of them would have any idea how to handle my unique situation better than I could. It's been about 4 1/2 months since I started investing, and I'm trying to psychologically prepare myself for all possible market scenarios that most investors my age have already lived through. Hopefully, it will all work out.

Yes 1.1% is high but the average. So you have $60,000 and they’ll charge you $660 a year. If you want to use them for just one time then that’s understandable as you’re just starting out but in my opinion you don’t need an ongoing advisor. Then you could use a one time advisor again say 10 years out from retirement.
Some good funds are S&P 500 funds, or a Total Market Fund and these usually have low fees such as 0.02% or 0.03%. But don’t invest in both due to overlap. But definitely in one of these funds. I’d also suggest a smaller percentage (say 10%) in an International fund (VXUS) and a smaller percentage in a consumer ETF and/or utilities ETF. XAR is an also a good defensive fund. These defense funds are good if the market tanks especially AI. You don’t want too many ETF’s either. But a nice diversification.
Read the book “Smart Women Finish Rich” by David Bach. This will help you get started. Also there are YouTube videos which talk about ETF’S and investment portfolios.

\>It is now at a bit of a loss,
What do you mean by that? If it an unrealized loss buying more won't trigger a wash sale. If you sold and realized a loss buying more within 30 days before or after the loss in a taxable account would be a wash sale.
There are no wash sales within Roths because you can't deduct the loss. Selling for a loss in a taxable account and buying the same thing in a Roth is a wash sale. I don't know if brokers will flag that.
Trading between VT and VTI, VXUS won't have wash sales in taxable or Roth. They are not the same ticker and don't follow the same index.

Selling VT in taxable and buying VTI/VXUS in Roth IRA = wash sale?

What kind of account is this in? What does the rest of your financial picture look like? Debt?
IMO, stop playing in the weeds - combine the VUG and SOFI into the VXUS, and maybe the QQQM, too. For most folks, the basics is simplify where one can, always. That's why you'll see folks going with VTI (I've no issues with VOO for you). We can't say what the best asset allocation would be for you, because this is all personal and we only offer opinion.
Have you looked at Paul Merriman's research?

100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.)
Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments).
Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!