VT
Vanguard Total World Stock ETF
stock NYSE ETF

I'd note that if you wanted more bonds with AOA in retirement, you could do AOA + BND (or your bonds of choice).
I've also seen the opposite approach of using VTINX for the "bond mix" and VT/VTWAX for the equities.

By going with the VTI+VXUS or VT or the equivalents in other etfs/funds, you are capturing the market average without placing any extra bets on any of the components. When you double bet on any sector, theme, or market class you are setting yourself up to do well if you guess right and poorly if you are wrong. Because things go in cycles, the only way to win would be to know when to cash out your double bets. There's no reason to expect that you can beat the market.
Check out the Ben Felix videos I cite in [this post](https://www.reddit.com/r/Bogleheads/comments/1ko3qpn/comment/msn77zc/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button).
The best way to go for aggressive growth is by your exposure to equities which have historically outperformed bonds in the long run. But there have also been times historically where bonds have outperformed equities for a decade.
This asset allocation chart in the following article show the averages of what are traditionally considered conservative versus aggressive growth for portfolio construction:
[https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation](https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation)
Remember that history does not predict the future, and there is variability in both bonds and equities. Diversification allows us to be prepared.

Please sell all of LETFs. These things are great on rally or bull market. You’ve already won the game, just 95% of the gains and VT and chill. You can scratch your dopamine itch with 5%.

you didn't say what your investment horizon is, and also didn't say what you are purchasing but lets hope and assume it's at least 5 years, probably longer, in a broad ETF like S&P or VT. Then: 1) why are you worried about with a dip 2 months long.. time in the market means more than 2 months wtf it means 5 years+ 2) All in tomorrow is still the right move for any lump sum or extra money you have.
And if you're not in a broad index for the long term....why not?

Might not want VT in a taxable account. VTI+VXUS gives you the foreign tax credit.

What is your timeframe? Unless you're retiring in\~10 years, the super power of a Roth is that you don't pay taxes on any gains, so the general advice is load up on the assets with the highest potential for gains. On this sub, that is a broad index tracker where you choose whether you want international (VT) or US focused (VOO). You can hold cash outside the limited amount that can go in your Roth.

I am new to all of this. I was thinking of investing my Roth IRA 100% into LIVKX and then my brokerage 100% into VT. My 403B is already 100% invested into LIVKX.

If your new job offers a 401K plan. then that should be your primary investment vehicle. I think you can invest up to $23,000 per year into that. If you reach that maximum and you still have more money to invest, then you can open up a Roth IRA. and invest I think up to $7000 per year in that account.
These two accounts allow you to buy and sell stocks and bonds within them without having to pay any taxes on any gains you make. And this is a huge advantage over time compared with a standard taxable brokerage account.
As far as what to invest in, when you're starting out you should buy a broad market index fund, such as VOO which is the S P 500 fund run by Vanguard or VT which is a world stock market fund composed of mostly US stocks, but around 30 to 40 percent foreign stocks run also run by Vanguard. Warren Buffet recommends that his wife and family invest in VOO 90% and 10% in Tbills - SGOV, after he dies, and he is probably the smartest investor ever.
For Emergency Fund, which is your cash savings, you need as much as you need to feel comfortable. just remember that dollar bills/cash, are just US Treasury notes that do not pay you any interest, so you should try never to have any. Instead, remove that cash from your bank checking account and buy SGOV which pays a current annual yield of 4.2%. This is US Tbills and will almost always pay more than any HYSA in a bank or any money market account.
Read The Four Pillars of Investing by Dr Willaim Bernstein, or the Simple Path to Wealth by JL Collins, both very easy to read. I would read them 2-3 times until the ideas sink in deep.
never hire another human to manage your money
best not to buy individual stocks as you and I have no idea what's going on behind the curtain at any company. Think, Enron/WorldCom/Tyco/WeWork etc. United Health Care this last month

VT 👀

Yes, and when it recovers and delivers a 200% gain, the VT will be up 5%

I got a notification saying I can invest my HSA but I’m not sure what to choose from the list. I looked on here and found a post a while ago and people recommended VT but the closest (?) I found was VSMPX. Wondering if this is the one to choose or get something else. Thanks
VASGX - Aggressive Allocation
Vanguard Life Strategy-Growth &
VSCGX - Conservative Allocation
Vanguard LifeStra...nservative Growth &
VSMGX - Moderate Allocation
Vanguard LifeStra..-Moderate Growth [
VMCPX - Mid Cap Blend
Vanguard Mid Cap Index - I+ [
VGSNX - Alternative Blend
Vanguard REIT Index Inst
VSGDX - Short Term Bond
Vanguard Short-Term Federal Adm [
VSCPX - Small Blend
Vanguard Small Cap Index - I+ C
VBTLX - Intermediate-Term Bond
Vanguard Total Bo...Market Portfolio- A L
VSMPX - Large Blend
Vanguard Total Stk Market - I+ [
VUSXX - Money Market
Vanguard Treasury Money Market [
VWENX- Equity
Vanguard Wellington - A [

it depends on ur age now lol. If u are 20 u will have a million by 40 if u just DCA into VT. If u are 59.5 u just win 3 all in roulette bets in a row.

You can buy fraction shares of their ETFs like VT. Minimum investment is $1.

It all depends on how much capital gains tax you’ll incur if you liquidate it. If not too bad then just sell it and buy VT

No they don't. If you're comparing them to VOO or VTI from 2008 onward, you're comparing a globally-diversified portfolio to US-only, which isn't apples-to-apples. And you should have a globally-diversified portfolio.
TDFs are basically VT + bonds, and you don't have to do anything to rebalance them as you age. They're marvelous.

BTW Investing is saving at least in context to non-retirement. The only real difference is the time frame you need the money. Assuming you are single, no kids and $36k is 8-10mos expenses, you should be investing more outside an HYSA or similar cash equivalent. A 1yr emergency fund is probably excessive for your age and responsibilities but you do you.
Only caveats, any plans in the next 2-3 years to
\- Get a house
\- New car
\- Get married
\- Have kids
\- Take expensive trip
\- etc
Anything probably greater than >5yrs out should probably be in the market for growth (VTI/VXUS/etc) but your risk tolerance is specific to you. Can always start with "safer" investments that are less growth focused and less volatile.
Side note, I assume you mean VTI + VXUS (US + ex-US) and not VT+VXUS (world + ex-US).

Sure just buy VT and chill

Absolutely nothing wrong with tossing it in VTI/VOO/VT/SCHD and forgetting about it for 30 years, but in today’s climate maybe I would maybe DCA it over the course of a year.
Plenty of people will argue that this is the best way to go, and it’s certainly the simplest, but there are alternative assets to consider given your situation. Maybe you’re looking to save for a downpayment on a house or you want to access this money sooner than retirement:
You could consider altenative investments like covered call funds, any of the plethora of closed end funds, business development companies, high yield bonds, preferred stocks, collaterized loan obligations, options funds (less recommended imho), etc.
Meaning there are plenty of diverse income focused strategies that can yield higher amounts than gov/investment grades and closer to market returns. Something to consider. I’m looking to access my portolio in about 10-15 years for income and I’m in many of these.

If it is a standard fidelity account portal then yeah, $VT can be purchased on Fidelity.
Yes, you can open multiple 529 accounts for multiple beneficiaries, and that's how it is typically done. But if it is like my state you don't get any additional tax benefit for opening more accounts for more beneficiaries. The deductions or credits are based on the taxpayer (single/married).
Only up to $35000 lifetime rollover to a Roth IRA non-tax non-fee conversion for each beneficiary, and the 529 must be open for at least 15 years. So there's more liquidity there. Not a bad gig and I suspect that $35000 number was chosen to reflect the situation where someone doesn't pursue higher education. Alternatively, redesignate the beneficiary to a grandchild.

Seeking advice from folks here, especially people who have had experience shifting behavioral patterns around saving vs investing.
My situation:
- Mid 20s tech worker making ~$150k with additional RSUs/bonus
- Currently saving $1,100 to HYSA every month, 3.8% APY
- Currently investing $500 monthly in brokerage
- Currently maxing 401k, Roth IRA, and HSA
Assets:
- ~$115k in 401k
- ~$45k in Roth IRA (VT/VXUS split)
- ~$7k in brokerage (VT/VXUS split)
- ~$36k in HYSA
- ~$2-3k in HSA, not sure the exact amount
- ~$2k in I-Bonds
- all RSUs are meaningless until IPO so not including here
Liabilities:
- -$26,000 in student loan debt - paying $1400 monthly at 2.4% interest. Estimated payoff date of March 2027
My HYSA technically has enough for 8-10 months of expenses - if I pause my student loan payment in the event of job loss, I could stretch that money much further.
I’m struggling with knowing that I should probably reallocate more of my monthly savings deposit to my brokerage, but feeling a sense of anxiety knowing I’m increasing risk. On paper, I can handle the risk - but my brain is holding me back.
I have time on my side and know I need to be investing more to see larger gains in the future.
Anyone else been here and could speak to their experience?