VTI
Vanguard Total Stock Market ETF
stock NYSE ETF

Most of my portfolio is made up of Large Value ETFs (SCHD, VYM, HDV, SPHD) and Large Blend ETFs (VTI, VIG). Outside of that, I own healthcare (JNJ, ABBV), technology (MSFT) and real estate (VNQ, O).
I've been looking at my sector allocation and wondering if it's diversified enough. Which sectors do you think I'm missing, and what companies would fit well with this portfolio?

I’d do VTI + VGT.

My 403b is with Fidelity, so I use FXAIX and DSCLX. My IRA is with a different brokerage that has some zero expense ratio equivalents that are non-portable. 
There are dozens if not hundreds of low cost broad index funds for US and Developed Markets, though. They can basically be switched out interchangeable. Look for a mutual fund or ETF equivalent to VTI or VOO and something like VEA (for developed). Look closely at the expense ratio. 

A quick google search shows it as ~ 30-40 bps annually.  So in your case, 40% of your VT is about $4k, so at 0.35% about $15 annually. I wouldn’t rebalance for this but direct future investment towards a VTI/VXUS split. Not a FA though. 

Given your age and current savings, you need to focus on growth. Would recommend allocating 80% to growth, funds like VTI/VOO (40%), SPYM/SPY (20%), SCHG/QQQM (20%). These will get you where you need to be.
For the last 20%, you can do income such as SCHD, QQQI, SPYI, etc.
Alternatively, you can reduce income to 10%, and invest the other 10% into individual stocks that you believe in. Could be Mag 7, or any other stocks. This would be speculative plays.

I developed a standard brokerage account and Roth IRA in Ellevest between 2020-2025 (until they transitioned their assets to Betterment). It was my first time investing, and I let the roboinvestor do the work. Then once Ellevest moved to Betterment, I was running these two accounts via the Betterment roboinvestor for about a year. I am not maxing out my IRA, and contributing about $200/mo to each account (brokerage and IRA).
I met with a flat-fee fiduciary advisor who told me I could simplify my portfolio to focus on maxing out the IRA and reduce the amount I'd lose to platform fees with Betterment by managing my portfolio myself in Vanguard, shifting all my assets into the Roth, and using an allocation of 54% VTI, 36% VXUS, 10% BND. He talked me through the process and it seemed doable to me, so I went ahead and transferred my portfolio into Vanguard.
Now I'm stumped at figuring out how to transfer the assets from the brokerage account into the Roth without triggering a sale/taxable event. There isn't a UI for this (you can transfer assets between brokerage accounts freely, though). From what I'm reading, I will have to sell the holdings from the brokerage account, keep them in a settlement fund, then deposit them into the IRA. Because it's a sale, I'll incur the capital gains tax on them.
1. Is there truly no way for me to transfer these assets to the IRA without incurring a capital gains tax?
2. Once in my IRA, can I redistribute the holdings into the allocation mentioned above without additional taxable events occurring?
3. Is there any way for me to calculate how much the capital gains will be from (1) so I can set a proper amount aside for taxes? I don't see anywhere in Vanguard that tells me how long I've had the holding to be able to estimate which bracket it'll taxed be in.
Cross-posted into [r/personalfinance](https://www.reddit.com/r/personalfinance/) and r/VanguardInvestments

Put most into VTI and SPYM (or VOO)
Some into SCHD
VEA for international exposure
NANC, because Congress has a leg up on the market

Etfs. I buy VTI, VGT, QQQM, SPMO at dip and hold at least 1 year.
Currently, I also buy ONDS when below $8.5 but must hold > 2 yrs.

Fidelity or Schwab.
You can buy broad market ETFs from Vanguard, BlackRock, or State Street from either one.
These are the Vanguard ETFs I personally use and recommend:
1. US Equity: VOO or VTI
2. International Equity: VEU or VXUS
3. Fixed income: BND (VTEB in taxable)
4. Cash like liquidity: VBIL
You also may find this video comparing brokerage platforms: https://youtu.be/QoU5rgW0bdY?is=hhnfIctePeQf4L7F

In my Roth I did a lump sum into a TDF to start the account, and now I added about 3 shares of VTI to the account! The TDF already has 50% invested into the US total stock market so was that a weird move?
Which fund should I add next to my ROTH? 😎

Upside of VTI + VXUS versus VT is you can control your US/International split. Whether you see that as a bug or a feature depends on your investing philosophy.

I don’t know how you come to the conclusion that Taiwanese can’t buy VOO or VT or VTI. A half minute search on Google shown tons of Taiwanese brokerage that allow you to go that, you just need to figure it out (even mainland Chinese that not suppose to buy foreign stocks still figure out a way to buy stocks and etfs from us market)

I love a 4 fund portfolio. VTI, VXUS, VIG, and VB. That works for me. It’s got Chances are the answer is always to contribute more and wait rather than try to pick the right fund.

If you're getting started - and you're still relatively young, I would drop the bond fund. Get it into something relatively safe like VTI or SWPPX. Dividends are OK but you should be focused on growth now. If I'm in your shoes, I'm something like 80% VTI or SWPPX and 20% SCHD.

VTI is a subpar ETF, Morningstar rates it only 3 stars.
With ftractional trading today I would go with,
VOO = 80%
VO = 10%
VB = 10%
Return rate over last 10yrs: 14.6% vs VTI 14.9%, but the seperate portfolio has better downside risk -24% vs -25%.

VT is better as an only fund because it already covers the US. Add an international only fund, not VT, to existing VTI holdings.

Personally, I don’t like that VT is 35-40% international. I use 15% VXUS along with 70% VTI and 15% SCHG ….. and my wife uses 70% VOO / 10% VXUS / 20% VGT

Crossed 100k in VTI. Should i add VT now?

Going back to the start of SCHD, VOO and VTI outperform SCHD in total returns, but VTI underperforms. It's not just a single dimensional ranking though. While VOO and VTI have larger total returns, SCHD is more stable and does better in downturns (so did better in the 2021/2022 timeframe). If you're retired and taking money out then that stability is very important -- if you're young and can wait out downturns, not so much. And while VT underperforms, with the SCHD and the other options you don't have international diversification - it's all U.S. Non-US has done better lately (since Jan 1, 2025, VOO is up 30% but VXUS is up 49%), so it can help.
Bottom line is that you can make an argument for VOO, SCHD, or VT, depending on your age, whether you'll need the money in the near future, and global economic activity. Rather than chasing the highest total return, a good balance (with rebalancing at least every year) is generally going to be the best way to have strong returns and stability.

yeah volume has absolutely fallen off the cliff since the start of all this
i mean just look at VTI volume on the 1D chart its brutal