VTI
Vanguard Total Stock Market ETF
stock NYSE ETF

Richard Newton mentions KOSS and VXF, VTI in his latest video. “Watch KOSS” (mentions begin at 18:30) 🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀

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.

I have VTI, BITO, PDBC, VYM, VIG, VNQ and SCHD. My strategy is just DCA, buy-hold-reinvest. I prioritized a mixed of the three. Majority of my ETF holdings pay dividends but only BITO is the high yield because I don't necessarily chase yield.

Regarding non US citizens’ money in US brokers - if people move the money out, is it really large enough to affect the US dollar ? I doubt. As mentioned by others, businesses will most likely not be affected. And non US citizens who are wealthy are likely to arrange their affairs using trusts and companies. I doubt Nick Clegg / David Beckham / Wayne Rooney / Prince Harry / Adele / David Miliband would have much to worry about even if they are not US citizens yet.
Also, while it’s easy to take cash out, there’s a cost to moving investments out due to capital gains taxes - a lot more than 5% - in my case, being in UK, I would have to sell ETFs such as VTI which fortunately are treated as “capital” but UK capital gains taxes have gone up recently (almost 20%). It’s even worse with my mutual funds such as VTSAX - they are not even treated as capital in UK but as income instead and I may even pay 40% tax to realise large gains, analogous to PFIC rules in the US. 5% is possibly the lesser of all evils.

You have so much overlap between your ETFs and individual stock. Because of their market cap they are very present in your SPY ETF, about 25% and doubly so in QQQ with about 35%. Of the 85K you have invested outside the individual stocks about 30% is still these companies.
If you want this, great, but if you don't, I would consider downsizing the individual stocks and getting more QQQ, SPY or as you mentioned VOO/VTI.

Plan on leaving them in the market for at least 9 more years
GOOGL: $66k- down 4%
AAPL: $56k- up 0.5%
AMZN: $50k-up 6.2%
MSFT: $62k-up 12.5%
NVDA: $58k-up 14.5%
QQQ: $43k- up 12.4%
SPY: $42k- up 10.8%
Should I sell all my individual stocks and dump them in VOO/VTI? Or should I just leave them be?

VTI - Vodafone Tata Idea would be a cool name

highly recommend a debt snowball method over trying to save a lump sum. You won't get more in investments than your paying in interest.

keep a $500-$1000 emergency fund in place while you do the snowball to minimize the risk you need to take on more debt.

The credit card stays in a drawer at home, out of sight, out of mind. Wipe it from your phone. It's for emergencies only.
If you can't use your debit card, you can't afford it.

every penny gets accounted for. there's some good budget apps to track your spending for free, but you need to sit down, add it up, and keep a running tally in your categories.

retirement- if you get a match from work, invest up to the match now. That's free money your loosing.
Have anxiety and want me to pick for you? 50% VTI and 50% VEU if you are in you 20s . Gives you total stock market exposure, and total International exposure in two Low cost ETFs.
I prefer 25% FMDE (mid cap growth) 25% SCHG (Large Cap growth) and 50% VEU (all world except the USA) for my international exposure. But that's my personal preference to growth ETFs over total stock market, because small cap growth historically has not done well compared to total stock market exposure that has small cap companies.
Start replacing 10% of that ratio with BND for every decade you are over you 20s.
So be 10% in bonds in your 30s, 20% in you 40s, 30% in your 50s, and 40% in your 60s. .

45/45/10 mix going into your 30s,
40/40/20 mix into your 40s

You get the idea
If you're workplace doesn't offer a match, then table retirement savings for now. 100% goes to the debt.
Once you have it paid off, prioritize

1) Any workplace plan that offers a match, up the match
2) Max out the Roth
3) extra money beyond the Roth limit, contribute to pre-tax retirement plans.
Once the debt is paid off, have multiple savings accounts (envelope method). You can have part of you paycheck direct deposited into a separate bank that offers high yield savings so that you don't see the money and get tempted to spend it.
Car-
Budget out known expenses (car insurance for example) and set that aside in savings too every month). Paying car insurance in a lump sum saves money. Don't get surprised by car tags or repairs.

Home-
Save $25-$50 a month for home expenses for repairs in a separate account if you're a homeowner. Something expensive always goes wrong. Save for the new roof, A/C, water heater in that account

Regular Savings-
That's your more fun money saving, that a vacation or other want can be paid for out of.

I worked at an investment bank and owned a prop trading desk. Day trading can make money but you're using the wrong set of tools. Support and resistance might work but there are very objective ways to do it. You could also try quantitative trading instead of a discretionary method. Buy VTI and develop a shorting quant strategy. Your equity curve would be very attractive.

Thank you, I will think a bit more about your suggestion. As for the diversification and inclusivity part, based on my understanding about VOO and VTI, I find that VOO is essentially 87% of VTI by weight, which leaves only 13% of weight for small/mid-caps. Even if I keep 70% VTI, I'm only allocating 9% leverage to small/mid-caps. I don't think that's enough to call it a "diversified" portfolio. That's why I decided to keep them separate (VOO+AVUV instead of VTI) to diversify better and be inclusive in a stricter sense with 50% VOO and 20% AVUV to have a sizeable mark from the small/mid-caps. I will consider trimming SCHG and sector ETFs for sure based on your advice.

its not stupid.....but you could do a 50/50 split of like QQQM and VTI/VOO

I don't think this is true? In the past 10 years VOO has outperformed VTI slightly. If you look at the stock market since it's inception VTI has outperformed VOO, sure. I go with ITOT (VTI equivalent in Fidelity) for more diversification but VOO seems like it outperforms slightly recently.

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

How to diversify from individual stock:
1) sell said stock
2) buy VTI and VXUS
> I'm thinking of placing limit orders for msft at 500, 550 and so on. Sell 50k at each interval.
Thoughts on this strategy?
You might think you are really smart for coming up with this strategy, but you might end up never selling if the stock price starts going down. There's no free lunch. You might get lucky but you are also holding on to a lot of risk.

S&P 500: SXR8 (IE00B5BMR087), SPYL (IE000XZSV718), VUAA (IE00BFMXXD54)
VTI: I've found no direct equivalent. Closest, for me, are WEBH (IE000FSN19U2 Amundi MSCI USA) and VNRA (IE00BK5BQW10 Vanguard FTSE North America) - both exclude US small caps, while VTI is total US market all cap.
Dividend: Try looking at SPYD (IE00B6YX5D40), VDIV (NL001168359 ), or VGWD (IE00B8GKDB10).
My primary resource for finding UCITS funds is [justetf.com](http://justetf.com)

I wouldn’t.  7% is decent BUT:
- You have cap gains you’d have to pay.
- Market historically performs better than 7% nominal.  We also could see inflation spike again, which would factor into stock valuations (at some point)
- Rates may go down soon, maybe a lot.  In which case you refi.
- Keeping the investments gives
you optionality.  I don’t want all my wealth locked up in home equity.  Plus housing prices have been crazy the last few years, could housing crash?  maybe…
- Paying more to your mortgage reduces the length but not monthly payment.  And you’ll be less able to handle financial shocks without your 200k VTI.  Would have been better to put more down.
- Market is still down from ATH right now…
- You may be able to deduct mortgage interest from taxes.  And if not, tax codes may change in the next 30 years…
Don’t listen to the “you’ll sleep better crowd.”. Id let it ride for a while, rethink it when market is up and rates are down.  Think of all the people who refi’d to sub 3% rates during covid — they’re probably glad they didn’t put extra into their mortgage.

That's a lot of overlap. Why have VGT and QQQ both? Is there a need to have both? And why have VOO instead of VTI? You have no mid or small caps.

I’d feel better with a cushion of 200k in investments than an extra 200k off my mortgage.  If you were paying off your whole house, maybe.  But that’s probably not the case here and paying extra just reduces the length not the monthly payment.  So he would still be paying the same monthly payment for many years with less ability to handle financial
shocks.
If you had a ton of money and the question was just, VTI or mortgage, I’d take the guaranteed 7%.  But I wouldn’t put the last of my investments into it.

Covered calls is the answer, I dump those premiums right into VTI. Some of these strikes are triple my cost basis.

Idk about your bond dude? TLT is down 1.04% after hours, which is a pretty massive drop in a few hours. Not to mention VTI also dropped 1.04%. Whenever these two drop together, it’s bad.