VTI
Vanguard Total Stock Market ETF
stock NYSE ETF

you can actually simulate this with portfoliovisualizer - [here](https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=2003&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=1&annualAdjustment=100&inflationAdjusted=false&annualPercentage=0.0&frequency=2&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&portfolioNames=true&portfolioName1=VTI&portfolioName2=Cash&asset1=TotalStockMarket&allocation1_1=100&asset2=TreasuryBills&allocation2_2=100) is a comparison of an all-US index fund vs "cash" (meaning HYSA/treasuries) over the last 20 years, starting with $10k and contributing $100/mo.

Any US large-cap blend fund (any fund tracking the S&P 500 index and total US stock index) will perform and have performed almost identically over time: ITOT, VFIAX, SCHB, FSKAX, VTI, IVV, SWTSX, VOO, SPY, FXAIX, and so on.
Doesn't matter which one - these are interchangeable and great tax loss harvesting partners in taxable accounts.
For proof, use portfoliovisualizer.com and input VTSMX (oldest share class of VTI) and compare with VFINX (oldest share class of VOO).
When to tax loss harvest is another topic, although many investors just do it in December before the year ends.
You can only deduct $3K per year.

Sell all my VOO for VTI?

So I'm currently 19 and trying to build my long term investment portfolio. I put roughly 40$ in 13 different stocks which equals 520$ a month into each stock. I'm here to ask if this is a good strategy or if i should make my list shorter to get a little more concentrated. This is the list I have made and I invest on the 15th of every month. I also am investing in my ROTH IRA and am going 80% VTI and 20% VXUS.
1. SPY
2. ARKK
3. TSLA
4. AAPL
5. META
6. MSFT
7. GOOG
8. NVDA
9. AMZN
10. AMD
11. COST
12. KO
13. VZ
Any advice or feedback I would greatly appreciate.
Will upvote!!! Thank you

I'm no prophet but I'm not convinced we're out of the woods. Best case scenario, stocks trade relatively flat for a while. But I can see a fresh drop happening pretty easily too. I know better than to be cash heavy at my age though, I'm dumping as much dry powder as I can into solid ETFs and setting aside a chunk of cash for a house downpayment. I look at ETFs as a way to hedge against a potential drop happening this year while still capturing good upside if I'm wrong and we end up charging into a bull market instead.
Regardless of what happens though, I'm very concentrated in tech picks, my portfolio needs a more solid diversified backbone anyway. I can't imagine a scenario where I regret holding a good bit of VTI.
10 years, half a million, sounds like good goals to aim for : )

I got to 100k right around 27. Started my career at 22, prioritized buying a house first and have been maxing my 401k and Roth since then. I have a target of retiring by 55.
Roth is mostly VTI and SPTM.
401k is 70% Fidelity 500 and 30% target date 2055.
Also hold individual stock in INDI, CHPT, FSLR.

I hold those two in my Taxable. I currently only hold VTI in my ROTH, but plan to add a tech/growth fund to it and maybe VYM.

A two fund portfolio of 70/30 VTI/VXUS is a good starting point for an aggressive 100% allocation - you can add bonds in to be more conservative and make it a three fund portfolio
https://www.bogleheads.org/wiki/Three-fund_portfolio
Or you could start with a target date fund, it has a set allocation that gets more conservative as you get closer to the target date
https://www.bogleheads.org/wiki/Target_date_funds
FSKAX and VTI are both total US stock funds, they’ll perform the same, FSKAX is a mutual fund whereas VTI is an ETF, ETFs are more tax efficient, but in a tax advantaged account like an IRA that’s not really a concern

Go with ETFs not mutual funds. ETFs are more flexible. VOO and VTI are ETFs.
VOO is a mirror of the S&P500, which most people refer to as "the market". Start with that.
https://www.google.com/finance/quote/FSKAX:MUTF?sa=X&ved=2ahUKEwiTqsGE3oH-AhVVAzQIHU9pD18Q3ecFegQIHBAX&window=5Y&comparison=NYSEARCA%3AVTI%2CNYSEARCA%3AVOO
Never forget about your money. Do that and someday you won't have any money.

tldr; 23 years old - 50/50 chance I make it to retirement age due to medical conditions. Not sure if I should still focus mostly on my Roth or contribute evenly between Roth / individual account.
Currently my roth is 80% VTI / 20% VXUS. I recently opened an individual account where I have some SCHD & VOO and planned on adding more dividend stocks in the future (REITs / BDCs / some higher yielders way down the line).
My current dilemma is whether I should still try to add more to my Roth IRA or keep an even split, some thoughts on my current holdings would be appreciated as well.

About to finally open a Roth IRA on fidelity. I’m 35, and have no idea what to buy in the account. I’m going to put a few thousand initially when I open it. I see ppl talking about ETFs like VOO and VTI but also see ppl talking Fidelity holdings like FSKAK I think it’s called. What’s a good one for my age that I can set it and forget it

I have a very uncommon situation. No debt, been earning well since 18 and made some lucky investments (NVDA and AMZN mainly, plus other stocks and ETFs). End of year 2021 my portfolio jumped a little above $100k a few months before I turned 23. You can imagine how 2022 went. Sold AMZN a little while before the lows, but my NVDA is staying put. I've kept investing heavily and am back up well above $100k. I loaded up on tech during 2022 but so far in 2023 I've been buying only VTI/VXUS/SCHD and probably will continue to do so unless we have a proper drop again.
I don't think $100k is a magic number for everyone. It's pretty relative to each person. I think once your investments are big enough that their return is about equal to the amount of capital you are able to invest each year, that's where the magic starts to happen. If you invest $10k a year, and your $100k returns $10k as well (10%), then that's your magic number, and each year you'll see it compound at a much more rapid pace compared to before. That's how I look at it anyway.
For me I don't think I'll really feel good about easing off the gas until at least $300k. Maybe $400k? Maybe more? It's so hard to say when it's still far in the future.

You already have a lot of diversification dude. My Roth is purely VOO and chill. I'm thinking about starting to add some VTI. I'm mostly commenting here too see other people's opinions but to me you're looking pretty solid already!
Are thinking about adding a certain sector or looking for even wider spread of cash?

and when did you purchase VTI

VTI and VOO are not comparable to JEPI.
JEPI = Income
VTI/VOO = Growth
With JEPI you are trade growth for income so pick depending on your needs/goals.

Just buy VTI. Contains both value and growth. Dont overcomplicate your portfolio.

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Does VXUS/VTI location matter when it comes to retirement withdrawals?

For a data point, I received my VTI dividends yesterday . VOO should be dropping tomorrow or the day after.
One time last year VOO dividends were like a week late for me. They eventually came. For dividend reinvestments, Schwab takes a day or two longer and has a weird process of first depositing the dividend in your account as untouchable cash and then reinvesting it a day or two later.

My Roth consists only of three holdings: VTI, SCHD, & VWO. Can anyone suggest 1-2 other ETFS to diversify more?