VOO and Chill | Is An S&P 500 Index Fund Portfolio a Smart Idea?

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2 жыл бұрын

You'll often hear the phrase VOO and chill or sometimes VTI and chill. VOO is the ticker to Vanguard's S&P 500 index ETF (VTI is Vanguards total U.S. market ETF). The idea is to invest all of your money in the S&P 500 (or perhaps the total U.S. market) and just relax.
After my video showing my 2021 portfolio tracked the performance of the S&P 500 (more or less), many asked why I bothered with multiple asset classes and individual stocks. Why not just VOO and chill?
This video explains why, and more importantly, walks through some concepts that might help you decide what's best for your portfolio.
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#voo #vooandchill #robberger
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (amzn.to/3by10EE)
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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
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Пікірлер: 420

@cechzc1u 2 жыл бұрын

VOO is actually a very clever name for the S&P500 fund. V: Roman numeral for 5 OO: Zeros Hence, VOO = 500

@ffnightranger 2 жыл бұрын

Woah

@EpicFinance 2 жыл бұрын

mind blowing

@JTH43 2 жыл бұрын

Yea but VOO isn’t 500 in Roman numerals. D is.. so really is it that clever?

@KaamilNaicker 2 жыл бұрын

The V is also there for Vanguard. Double meaning

@jakejake7289 2 жыл бұрын

@@JTH43 It is because D is already taken by Dominion Energy.

@Curbalnk 2 ай бұрын

Hi, I started my 140k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Hoping this is a valid thought process?

@gagnepaingilly 2 ай бұрын

Wasn't a great April but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $30k.

@sommersalt88 2 ай бұрын

The market's instability makes DIY risky. You don't need to find the next NVDA to succeed in investing. Opt for top-notch ETFs, dividend aristocrats, and a trusted advisor. I've turned 130k into $17k in quarterly dividends, a major milestone.

@sommersalt88 2 ай бұрын

*Jennifer Leigh Hickman* has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend her if you want excellent collaboration.

@jgg204 3 ай бұрын

The top 500 US companies have significant international exposure, more so today than ever before. We can't look back to the 80's and use performance then to dictate future performance behavior, b/c we behaved differently back then too.

@imdoc7872 Жыл бұрын

My financial advisor had my 401k distributed among large cap, mid, and small. I opened a deferred comp account and allocated a Warren Buffett 90/10 style portfolio and have been outperforming him for the past two years.

@marshallhosel1247 2 жыл бұрын

I must say, I really enjoyed how you approached this. Very well done. I learned a lot…and I’m not an investing rookie.

@WEABRNC 2 жыл бұрын

Great channel Great advice You stay in your lane and do a great job - Thank You!!!

@ChloeBensonBeautyBoxes Жыл бұрын

I have used the VOO or S&P 500 most of my life. I will be able to retire at 55. I plan to keep it there but add a cash/CD bucket of 20%.

@SunofYork 2 ай бұрын

Don't tie you CD for too long.... You might want the cash quickly... mIne is Feb 2025 at 5.1% ..Treasury ETFs are instant cash and same interest ...but with capital risk if cashed in.. Moderation in all things

@Dr.Dumpnpump 2 жыл бұрын

Direct, clear and valuable insight. Thank you. Subscribed.

@pappabear8291 2 жыл бұрын

Agree. I got both large and small caps. My goal is growth, Good video! Thanks.

@agrawalamitkumar 2 жыл бұрын

Thanks for putting out good content. Over the years I have found that the more diversified my Portfolio is the more cash i have sitting on the sidelines. Fine tuning asset allocation across multiple accounts takes work. Therefore a simple asset strategy is working for me, where i can have more cash working for me and not worry about fine tuning.

@sanekabc 2 жыл бұрын

One basic question I have as I am not in the market, which I would appreciate your opinion on. If you knew you were going to die in 10 years and had a lump sum of cash, would you still put it in a market portfolio or keep it in a savings account in a bank?

@agrawalamitkumar 2 жыл бұрын

@@sanekabc depends on how much cash you have and the amount of expenses you estimate in the next 10 years. Also note the buying power of cash decrease over time due to inflation.

@tedtyler9336 2 жыл бұрын

VTI and chill

@themadhatter312 2 жыл бұрын

VTSAX and relax

@pankitorama 2 жыл бұрын

VT and chill own everything

@bohdan.vorona 2 жыл бұрын

VTI+VXUS and chill

@tedtyler9336 2 жыл бұрын

@@pankitorama ,buy everything and hold it forever.

@pankitorama 2 жыл бұрын

@@tedtyler9336 yep bogelhead motto

@rjlane3475 2 жыл бұрын

It would be interesting to see the benefits of having only 1 fund (like VOO) where there was never a tax from rebalancing

@auricgoldfinger8478 2 жыл бұрын

You are an absolute machine. Almost an 8 hour workday for you. I hold 15% individual stocks 65% VFIAX for equity exposure. I wish that I never had the individual stocks, most with very large CG

@shun2240 2 жыл бұрын

small cap value tilt with total market index fund is the way to go

@wd3574 2 жыл бұрын

The more scenarios I see of what to invest in, the more I think that I should consider VTSAX for my equity portion and be done with it. I like to think I can do better (with regards to overall returns), but I just don't know. I haven't done better so far.

@charlesprice8399 2 жыл бұрын

Good explanation Rob! You do an excellent job with your rationale for what you are comfortable with. Love your content. Keep up the good work. Happy New Year!

@atdower 2 жыл бұрын

The stock market, where shooting for average is okay :). As long as I get 10% long term I am okay.

@freebird0147 2 жыл бұрын

Great video. The thumbnail is much better too. 🤣 Edit: I forgot to mention that I got a notification in Spotify that The Dough roller money podcast was back. Good to see that going again.

@davidmyre965 2 жыл бұрын

VTWAX - 63% is equivalent to VTSAX but you get some additional global exposure

@SlickNickster 2 жыл бұрын

Thank you!

@sweethomechicago 2 жыл бұрын

Great video! You've gained a new subscriber. 😇

@DanTheMentor 2 жыл бұрын

I’ve been slowly adjusting out of international and adding more small/mid cap. I’m probably allocated at 60% large, 30 mid/small, and 10 international, but this video has me rethinking maybe adding more international.

@grigorirasputin425 2 жыл бұрын

Putting money in International is the best way to underperform the market, should totally go for it, don't forget to buy some CDs and bonds as well

@johngill2853 2 жыл бұрын

@@grigorirasputin425 really? Do you really believe that. A portfolio that is diversified with both us and international has proven to outperform and all us portfolio in the long term. Don't let the last 10 years fool you simply look at the 10 years before that

@mbank3832 3 ай бұрын

Insightful. I was thinking adding three types of fund. ETF for S&P 500, for total US stock market, and bonds

@osu122975 Жыл бұрын

I watched this again and used VSIAX specifically against VTSAX instead of the generic small cap value and large cap. The period was restricted to a 10yr period of 2012 to 2022. VTSAX outperformed the VSIAX in return by $16k and CAGR by a percent or so.

@smilesurway 2 жыл бұрын

Combo II : BND / IJR / MVV / TQQQ

@timdog1863 2 жыл бұрын

Great episode Rob! Thank you!

@davidtodd1037 2 жыл бұрын

If I were as educated and had the background of Rob I would diversify more. Since I'm not though, VFIAX and VTSAX are my core and only holdings in my Roth and 401K. Excellent video for thought though.

@Brian-ro7st 5 ай бұрын

Even then, you’d be hard pressed to outperform VFIAX or VTSAX in the longer term, let alone making back your time investment.

@billtraylor7373 Жыл бұрын

I'm hoping you have a new video with recommendations or options of index investing in light of how dismal the markets have been since early 2022

@diydarth 7 ай бұрын

S&P companies are themselves international. They also buy small cap companies to extract their value. Which is why s&p provides best risk vs reward ratio.

@flip931 2 жыл бұрын

Great video as always! I think as humans we're always attracted to shiny objects. S&P 500 up 27% this year, wohoo, put all your money in there.... BUT as sophisticated investors we always have to think of our downside protection & especially CAPITAL PRESERVATION. I haven't worked this hard in life to just gamble away my life savings. I rather take a smaller overall return knowing that my money is relatively safe so that I can sleep like a baby. Cheers all!

@johngill2853 2 жыл бұрын

Every bull market people must relearn

@flip931 2 жыл бұрын

@@johngill2853 well put!

@vtphan2012 2 жыл бұрын

Great video to think about things. Here're a few things to think about. First, your analysis is based strictly on historical performance. What I find interesting is that often if an idea doesn't suit, people will say the past does not tell about the future. But if the idea suits, they'll use past performance to imply future performance. Something to think about. Another very important aspect of your analysis/reasoning is that it is based on "lump sum". (I think). By and large, we DCA. This is important because small caps are much more volatile than large caps. When you DCA into volatility, it depends on luck a lot.

@kona6451 7 ай бұрын

Im 52 with a 91% equity portfolio. 90% of that is VFIAX. I feel pretty good about it.

@davidbundesen5867 2 жыл бұрын

Good illustration

@JamieTownson 4 ай бұрын

I'm a father of two who bought a house last year. For me, it was a major turning point! In addition to feeling the effects of the economic downturn, I'm lucky enough to enjoy a respectable monthly income from wise investments that I've made. I have therefore meticulously prepared for my retirement following my children's graduation from college.

@JanePalmer-bg8tb 4 ай бұрын

Wow, interesting indeed! Currently I'm in need of investment ideas or tips. Last year I hesitated and failed to take any action until now. However, I'm determined to try something new as I am very open to various investment ideas . I want to be retired in my forties or fifties. I really wish I can achieve what you have achieved and I believe it will happen. How did you go about it? Please share.

@JamieTownson 4 ай бұрын

It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser, who can advise you is crucial, especially when choosing assets.

@JanePalmer-bg8tb 4 ай бұрын

Thank you for your advice, it's challenging to find a reliable investment advisor here. Seeing the success you have achieved through investing I would love to have access to your investment advisor.

@JamieTownson 4 ай бұрын

general, investing requires higher knowledge. For this reason, it's important to have a solid support structure to guide you through especially in asset picking. I operate with (Alex martin tarlor) an investment specialist who partners with a licensed wealth management firm.

@jhonmacraimbanajokora8657 2 жыл бұрын

I call my approach "orbiting the mother ship" Note: this is only one portfolio The s&p500 will be the largest stake orbited by a few select companies in diversified sectors.

@mikejackson5920 2 жыл бұрын

Hello Rob, Thank you so much for your videos! I was hoping you could comment on Vanguard’s Lifestrategy funds (Specifically VSMGX Vanguard’s 60:40 Fund) and the use of Target Date retirement funds for Retirement accounts. My portfolio currently consists mainly of VSMGX in my Vanguard brokerage account and all my retirement accounts (TSP, IRA and Roth IRA) are in Target Date Retirement accounts. Could you please share your opinion about these funds. Thanks so much and I really enjoy your videos!

@kyle7574 2 жыл бұрын

Great video

@blackpeterose 2 жыл бұрын

Do what you want with your money. Long as you are investing its better than not. If you allocate some in the US that's cool. If u don't that is cool too. Remember it your money.

@ph5915 2 жыл бұрын

A professional markets expert I saw on an interview recently had a comment that I hadn't heard before when was asked some question related to the past x number of years about the market performance...He said something to the effect that the markets have ZERO memory of anything that happened in the past, they focus on what is the future...Made sense. Yeah, Bogle and Buffett have said the easiest thing to do is invest over time in the index funds of the S&P or total US stock market and you'll be fine at the end of the day, and for most people that's best. But, like you said, it's up to each individual's preferences, opinions, and risk tolerances...Good video, Rob! Happy New Year to you.

@jeffreyphillips4182 2 жыл бұрын

I can't sell my stocks right now because they're down, but when I get back to even I'll put most of it in voo and vti

@XRP999 2 жыл бұрын

VTI all day long !! Best vanguard fund for long term horizon.

@MikeRepluk 2 ай бұрын

in my opinion, the top 500 US companies have also gone international thanks to globalization. Companies such as google, apple, Johnson etc are well beyond just the US market

@jarrod499 2 жыл бұрын

Great video, A few thoughts long term the thing would worry me about VOO and chill is that the next great economic growth engine: whatever comes after this tech iteration has a big exUS composition. I own international, and have paid recently for doing so. I hold it at under the cap weight because of currency risk. I figure the increased diversification is worth the recent underperformance.

@boomn216 2 жыл бұрын

I do VOO and VTI just to diversify and BND for the bond part of my portfolio.

@drmitofit2673 2 жыл бұрын

The traditional calculation is that one can expect the S&P to gain 10% per year on average, but for the last 10 years it's been 15%. I went 100% S&P with my 401k and employer matching in 1995, kept contributing during the 2009 financial crisis since I didn't have a large amount accumulated by then, rode out every dip, and by staying in for decades, I have long term exponential growth that is outperforming all of my coworkers. Another reason why I like it is that the S&P is analyzed and closely tracked on Fox Business News. I also feel that the large cap companies are better equipped at riding out volatility and supply chain disruptions than small companies that have fewer resources and fewer options. A negative is that the big tech companies have bigger and bigger representation in the S&P so it's becoming the NASDAQ. Not terrible though since the future is in Tech.

@akin242002 2 жыл бұрын

I back tested via portfolio visualizer. From January 1993 to December 2021, VFINX produced 10.64%. The MWRR was 10.68%. The Schwab 1000 in the same time period produced an average return of 10.54%. The MWRR was 10.67%.

@theotherview1716 Жыл бұрын

But my uncle told me he was ruined by invested mostly in s&p right before the Dotcom bust. He said he never really recovered.

@MeltingRubberZ28 6 ай бұрын

@theotherview1716 because he sold, guaranteed. If he woulda held he would have been just fine.

@mrderek800 2 жыл бұрын

I would love to see the same style video but just with VTI.

@willg1315 2 жыл бұрын

They're essentially the same thing. You can copy and paste a lot of what he's saying here to VTI, and it will almost exactly apply.

@MajorRingo 2 жыл бұрын

@@willg1315 which one is better for long term 50+ years

@willg1315 2 жыл бұрын

@@MajorRingo nobody knows. Professional analysts often can't even accurately predict these things just 10 years into the future, let alone 50.

@anthonyqcolosimo5374 Жыл бұрын

VTSAX beats S&P500 by 30% since 2000

@jackbernardi7791 7 ай бұрын

@@anthonyqcolosimo5374no it hasn’t 😂😂 S&P500 has beat VTI

@janethunt4037 Жыл бұрын

Thank you for this. It makes me feel better that we gave a wedding gift into a Vanguard Target fund instead of VOO to our son and his wife which I was second guessing.

@darrellq6954 6 ай бұрын

They secretly wanted cash for a down payment on a house…..🎉

@jmotoid3661 2 жыл бұрын

VFIAX and chill for the last ten years.

@mescetacy 3 ай бұрын

Why the mutual fund over the etf?

@learnspanishwithfelipe111 2 жыл бұрын

Thanks for the knowledge, my best regards!

@joemeyer2726 2 жыл бұрын

VOO good, UPRO great chill

@fundip43 2 жыл бұрын

What’s the math on success rate on long term(10-40 years) margin usage for a 1 million dollar portfolio in a low interest rate environment ( less the 4%) with a ~+20total leverage?

@Raymondjohn2 7 ай бұрын

I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.

@bob.weaver72 7 ай бұрын

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

@martingiavarini 7 ай бұрын

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

@hermanramos7092 7 ай бұрын

Please can you leave the info of your investment advisor here? I’m in dire need for one.

@martingiavarini 7 ай бұрын

No doubt, the stock market is definitely the most awkward teenager with the wildest mood swings! I began with a pundit by name "Natalie Lynn Fisk’’ Her approach is transparent allowing total ownership and control over my position and fees are very reasonable in comparison with my ROI.

@jamesodell3064 2 жыл бұрын

How can you compare earnings growth of international funds to US funds?

@Avocadotoastin 2 жыл бұрын

Nice video

@trave7644 2 жыл бұрын

Bob, is it not wise to invest in the total stock market index fund (fidelity)? I hear the total market index fund is bombarded with IOPs and this spells trouble for future returns? In short which is better, SNP 500 or the total market? thanks

@leorodrigo8840 2 жыл бұрын

VTI, SCHD, O then chill 😊

@tomhirz 7 ай бұрын

Hi Rob, thank you for all of the good advise! I agree with almost everything you are talking about except the allocation to Vanguards BND fund, as part of the 3 fund portfolio. It looks to me as though BND has been performing poorly over the past 5 years or so. There must be something better? Thank you, Tom

@MatthewFling 2 жыл бұрын

I’m all in on VTSAX. Problem solved.

@TETrading 2 жыл бұрын

I really rate VOO and will always be investing in it!

@XRP999 2 жыл бұрын

Consider vti for long term

@raymondho8497 Жыл бұрын

Regarding pricing, 1 share VOO equivalent to 1share VTI & 2 shares SPLG. I prefer to buy 3 shares latter to expose both US whole market & S&P index.

@analyticsx3 Жыл бұрын

You can’t argue data but there’s a lot of factors at play. Before the 90s no one had the internet. Manufacturing was still in the US. Today we have technology. Not many technology companies are small cap. Time in the market is the most important takeaway I see from that analysis

@wolffofcinema3448 6 ай бұрын

Counter point is that US based companies operate internationally, so you get the international diversification without having to sacrifice the strict accounting practices that US based companies offer.

@BryanColliver 2 жыл бұрын

with all the biggest company's in the USA now getting a bigger and bigger % of there profits from international growth I have no problem with just holding VTI with 4160 holdings gives you a bit of everything micro small mid and large all in one place. thank you for the video

@XRP999 2 жыл бұрын

I’m half vti half qqq , love it !

@akin242002 2 жыл бұрын

VTSAX/VTI are the best performing Total USA funds in their class. Close 2nd is Schwab's SCHB by 0.02% short on a 12 year average. 16% vs VTI's 16.02%

@michaelngo7738 2 жыл бұрын

I appreciate the discussion, but I was unable to replicate your findings. In portfolio analyzer, VOO vs NAESX and VSIAX, I am seeing VOO beat out both funds since 1985

@johngill2853 2 жыл бұрын

Since 1985? Why that date specifically? Small caps historically outperform large cap stocks the last 10 years has been different, don't cherry pick a date and think it means something

@erikdunkelberger4850 Жыл бұрын

On the chart, the Small Cap separated heavily from the Large cap back in the first years of the chart. They both continue to grow at seemingly the same rate. Can someone explain that? Edit: What I’m getting at is it seems the major difference in portfolio value is due to the separation in the 70s. If you did a lump sum from 1985-present it would be about the same growth. So the way to get these results would be to predict a separation of huge proportions between the Small Caps and the Large Caps.

@lcmlcm2460 2 жыл бұрын

I’m a business owner that is new to investing and so far voo, vt, and a few individual stocks is what I have. I plan to diversify more but my problem will be where to I stop. Not a bad video thanks

@jonk1370 2 жыл бұрын

Voo and vt is already enough diversification

@lcmlcm2460 2 жыл бұрын

@@jonk1370 thanks

@davidbrooks8809 2 жыл бұрын

Add Berkshire Hathaway set it and forget it ..thank me later!!

@mucusofwanderhome6945 Жыл бұрын

Set up a small account to play with to satisfy that itch of “when is enough”. After a while that account will grow in holding and dollar amount, and you will wish you had more invested into it 😂

@raybp7512 2 жыл бұрын

Is the idea that most World indexes are so heavy leaning on USA large caps that it doesnt matter too much if you invest in an SP500 index vs world/total market index

@joshlawless7496 Жыл бұрын

What do think when it comes to SCHD VS SWPPX VS the VOO?

@claytonrehmus2500 2 жыл бұрын

This is comforting because I slice and dice too

@rob_berger 2 жыл бұрын

Confirmation bias! 😂

@claytonrehmus2500 2 жыл бұрын

@@rob_berger guess so!

@ericsolorio1431 2 жыл бұрын

Rob in your opinion if mid caps and small caps are so much better than large caps then why do you not increase your exposure? In reality you have very low exposure compared to large caps.

@osu122975 2 жыл бұрын

Its the difference between those who like to play and try to beat the market and those who are satisfied with market value. The average joe will do great with VFIAX or VTSAX as their equities.

@beauhouse5987 2 жыл бұрын

Rob, Do you offer a average Joe like myself any consultation ?? just to see if my allocation and my age are appropriate in your opinion. thank you

@vitorschroederdosanjos6539 2 жыл бұрын

I like vgstx, is there a passively maneged version???

@nwffdiver 2 жыл бұрын

VTI 80% / VXUS 20% and let it ride!

@davidbrooks8809 2 жыл бұрын

Please add Berkshire Hathaway and you and I are going to be set for Life!!

@oaklandsportnewscom Жыл бұрын

Sir, how about VTWAX. That's total diversification. I can combine that with t bills, savings or CDs at this point too.

@RyanAguiar3 2 жыл бұрын

what 6 or 7 funds would you choose?

@larrysplace0016 Жыл бұрын

One argument for VOO is that they are multinational companies that own assets and sell products internationally. The percent of foreign assets or sales who knows.

@RiskOonTrading 2 жыл бұрын

10% return and I am happy. VTI & chill for me

@TETrading 2 жыл бұрын

That's the one. Why panic when investing.

@Eagle-zl4gz 2 жыл бұрын

I love my VTSAX case closed lol

@Cwilly13ify 2 жыл бұрын

VOO/VTI + small cap value (AVUV, VIOV) for very long horizons. Honestly just VOO/VTI and Bonds is sufficient

@davidbrooks8809 2 жыл бұрын

Overlapping

@SLee-vj4px 2 жыл бұрын

@@davidbrooks8809 right, VTI only for wide diversity.... no bounds

@Jpsantos94 Жыл бұрын

@@davidbrooks8809 he’s saying one or the other not both

@mr.j2776 2 жыл бұрын

I've been adding to my Equity Index 500 fund for two reasons: lower expenses and lower turnover. I got hit with a LOT of capital gains last month (which affects my ACA healthcare costs).

@anantgarg7839 2 жыл бұрын

Hi Rob, Can u suggested some bond investment books for beginners and matured investor?

@diydarth 7 ай бұрын

I wonder the comparison if you dollar cost average instead of picking one point in time

@Chris..440 Жыл бұрын

S&p500 index and growth index

@beastfromtheeast9318 2 жыл бұрын

Fzrox and chill for me

@elizabethli6758 2 жыл бұрын

very interesting video and excellently demonstrated

@michelemichele6387 2 жыл бұрын

VTSAX and take a 😴

@Polostar79 2 жыл бұрын

VT-SAX and relax

@bingoknows 2 жыл бұрын

Instead of VOO, I do IVV and chill, but in my regular brokerage account, i.e. taxable account I do apply the core-satellite investing method in my ROTH I'm curious as to your thoughts on the core-satellite method on constructing a portfolio

@rob_berger 2 жыл бұрын

That's effectively what I do. I have index funds for the core and individual stocks for the satellite.

@polymath5119 2 жыл бұрын

Thanks Rob. I agree with your approach, although many of the S&P500 companies are multinationals with large portions of revenues from operations outside the US. From yesterday's video, why do you hold VFWAX as opposed to it's twin, VTIAX? Did you do a TLH switch away from VTIAX in the past and are still with it? Or do you see some advantage to VFWAX?

@rob_berger 2 жыл бұрын

Exactly. TLH.

@anascoinquest1121 2 жыл бұрын

You still have single county exposure by being exclusively in US equities regardless of who else they do business with. A lot of foreign corporations also do business in the US & Canada. Samsung, Toyota, BMW, etc. That doesn’t make them American companies anymore than international operations make US companies foreign orgs.

@PiGum 2 жыл бұрын

What about foreign taxes and fees? I noticed that investing in TSM, I lose money to foreign taxes on dividends, even in a tax deferred account. It makes me wonder how disadvantaged this makes foreign long-term returns.

@harrisbaig4506 2 жыл бұрын

What's your take on target funds like: life path 2030.

@robn.5932 2 жыл бұрын

Rob, how about VT and chill? You have the added benefit of international with VT.

@rob_berger 2 жыл бұрын

Certainly a reasonable approach. And I love the simplicity. For me, a bit too much international exposure, but who knows, it may turn out to be the best approach.

@rralphymiller3115 Жыл бұрын

I find most large and mid cap companies have international ties these days. I am rather new at this DIY investing and I’m investing in US and Canada only.

@ckangas5674 2 жыл бұрын

Nice video. I'm piling on but it never made sense to me to use back testing to support having 100% US stocks, but then to reject back testing beyond which US indexes to hold. To me, VT and chill always made a lot of sense. VOO is increasingly becoming concentrated in US mega cap growth. I have no idea whether this concentration will cause it to over or under perform. But the concentration does bring additional risk, since many events (rates, political, etc.) will impact most US mega cap growth stocks similarly.

@nwffdiver 2 жыл бұрын

history is always 20/20 ! great point

@snehaluict 2 жыл бұрын

You mean VTI and chill instead of VOO?

@ckangas5674 2 жыл бұрын

@@snehaluict No, I meant VT (Total World). Due to cap weights, VTI is more diversified than VOO. But the top 10 of VTI is still 25% (VOO is 30% for reference).