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Factz

I agree. Some people get all uppity and proclaim "THERE'S SO MUCH OVERLAP BETWEEN THE FUND!" as if having 2 very similar funds contaminate each other.

It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast, hence i will also suggest investors to get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

@@davidjackson4437 My Financial Advisor is CLAUDIA TRINIDAD RIVAS I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on. You can run a quick online research with her name if you care for supervision. I basically follow her market moves and haven’t regretted doing so...

minimal exposure at best. Voo at 90% portfolio + 10% voog will outperform your vti long term guaranteed. Normally, i wouldn't guarantee investments. But that one I would. There's some good articles on it. Check it out.

also you're probably smart, but incase i had to explain. The exposure is minimal because it was market cap weighted not risk or performance rated like my example :) This is why buying like voo is like putting x% directly into apple or fb, msft, apple, etc. u know. yup.

​@@lifeisgood070the weights aren't all that different on the big stocks. And vti has a total of 28 percent distributed in mid and small caps. Not saying it's better or worse, but it's a little more than "minimal" exposure.

How is your VXUS investment going? It looks like it has a lot of room for growth, I'm intrigued. Btw I'm twenty, got into crypto at 19, and now I'm planning to get into stocks so I appreciate the second tip. I was planning to only invest in VTI, but you've opened my eyes towards international funds

@@yasserkool It's a pretty boring stock without much growth with no volatility at this point. I hold it to hedge against the US markets if the markets take a massive dump. International markets certainly have a lot of room to grow. I feel its important to have exposure to international markets without stock picking, although US companies have global reach.

@@ebear4015 I agree, well I'll definitely pick up VXUS as well. I know a lot of countries that are aiming for more growth in the next decades, im just not sure how much % I should invest in it, I'm thinking 70% VTI and 30% VXUS.

33 leaves you with lots of time to let things simmer. Better 33 than never, like many….

@@yasserkool VT (Vanguard Total World Stock ETF) is about 40% global exUS and then 60% US total market and many people like VT as a all in one single position holding for a portfolio. Something to think about. I'm much lighter on foreign though.

Currently VBR is up 6 or so percent over the past 6 or so months….VOO is up double that. Any chance you think that will change over the next 6 months?

@@kyaghleah well they track two different indexes - the VOO is the S&P 500 basically - and the VBR is more the russell 2000 which are more value stocks, which were doing great. VOO is a longer term investment in my opinion, but I hold VBR and bought it a while ago, and it has done well too. - they can change daily too, and some quarters, one is doing better than the other. - BTW as I posted, I prefer VTI over VOO - they are very similar, but VTI gives a slightly larger exposure to more things... I hold VTI and VBR and you could add a couple of Bond funds and a decent REIT and maybe Gold and have everything you'd need forever...

@@mediacreationsusa thanks!! Another question: The BONDS ETFS look as if they haven’t grown at all in the past 5 years. Why would I invest in them? A hedge?

@@kyaghleah You want a percentage of bonds based on your time to retirement - 60/40 Equities to Bonds was always a good rule. im more 50/50 now but I'm getting older - normally investors would have Short term and long term bond funds - or take the middle road in something like BND is a pretty good ETF for bonds... I actually like VCLT better as it has a better yield, and still not a huge risk being mostly corp bonds... but the idea is that short term pays better, and long term was always supposed to be less risk. Actually, I look at bonds as part of a good fixed income portfolio, along with other things, which is where you would be headed closer to retirement, and you need a monthly or quarterly payout to pay your bills. Meanwhile, you can re-invest those dividends until you need them to pay you. I would look into some of the Pimco funds... but do your DD - don't listen to ANYONE on youtube alone - better you understand how things work like that - CEF are great to have too with bonds, but watch those fees!

@@mediacreationsusa 👍✨👍

I do voo, vgt, and 10% vt for international exposer.

Lol!

Personally I would go with the S&P 500 Index fund. It's slightly less volatile than the Total market

I just went with both instead of stressing over it.

Just hold anything you purchase for 1 year and you'll pay less in taxes on any gains.. though the US GOV is trying to change this so there is no benefit of holding for 1 year.

Look for municipal bond fund, their dividends are exempt from federal and state income tax

@@Kyungone i thought in California ca municipal bonds are only exempt from state taxes . Taxable to federal. I have ca municipals .. have I been doing my taxes this wrong?

@@donnafong2267 (;((((

@@donnafong2267 municipal bond interest is not taxable by the Fed, generally speaking.

로마 숫자로 V가 5를 의미하고 OO 가 00을 의미해서 500을 의미하기도 합니다. 알고보니 더 특이하죠 😀

Cute Investing is my favorite investing!

Depends what your lump sum is. If it's less than $50,000, then put it all in now. If it's $500,000, I'd DCA it over the course of 12-18 months.

@@afridgetoofar1818 well if the market goes up ( an market goes up 70% of the time ) you just lose gain. DCA with a lump some only gives you peace of mind but statistically contributing one shot wins over DCA

@@red149 That’s true, but if you have a sudden market crash it can be a disaster. I just think your safest bet for a large sum, say more than $100,000, would be to DCA over 12 months. That’s just my opinion

@@afridgetoofar1818 yes but who’s to say the big crash won’t happen the day after you make your last contribution ?

​@@red149 It could. As you say, statistically you're most likely better off doing a lump sum, but a DCA reduces the risk a little.

How you haven’t heard of Google until now is more concerning

Vanguard S&P 500 ETF (VOO) --- Vanguard 500 Index Fund Admiral Shares (VFIAX) Vanguard Total Stock Market ETF (VTI) --- Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) One is subset of the other. The latter hold small caps thus more diversified. They are almost interchangeable and their 5 year 10 year and Since Inception returns very similar: (VFIAX) = 8% VTSAX = 8.5%. Pick one and invest as much as your income and budget allows.

I would add SCHX, the same expense ratio than VOO 0.03%, but with a slightly better performance over the last 10 years

VUG is a growth fund. Even though Growth has done better over the past 10 years, value has done better historically. VOO has both. Past performance…blah, blah..you know the rest…

Like in a Roth? Why?

@@KoodGarma - a Roth is a tax sheltered account, not taxable account (brokerage).

About 2.5 %. That’s why it tracks VOO so closely since almost 90% is the 500

Our EU overlords don’t want us to build capital it seems

@@bartjuhh12 quite. The sooner we can decouple from UCITS as a legal requirement, the better. I’d buy VT in a heartbeat if I could.

@@NZAnimeManga lol here in indonesia the average actively managed funds charge 3% and index funds charge 1-2%

No, but that's a good idea. I'll add it to my list of topics for future videos.

Sharp eyes !

Why do you invest in both?

Me too!

@@rob_berger I hold VTI in Roth and VFIAX in taxable. Reason for this is because once I’ve reached my $6K limit for Roth I can continue investing in a similar fund.

@@rob_berger provides a stabilizing foundation if you have 2 index with 2 tech companies. The rise of the two tech with the stabilizing effect of the 2 indexes allows for big time growth with less potential downside. Ian Dunlap method works.

@@rob_berger I know there's a lot of overlapping. But, I had the money so I decided to do both 🤨

I use VTI, VXUS for international exposure and BND for the bond market. Just adjust your allocations as you get older.

VOO & VTI are very similar almost interchangeable so there is no strong reason to hold both within the same account.

@@alrocky Exactly. I don't understand why people have both. From what I see in the comments, people are holding both.

Because they're both almost identical your just wasting your time. If you want large cap stocks only use the S&P 500 If you want small cap and mid cap exposure along with the large cap use vti Theoretically vti in most time periods will return more money because small cap stocks are more risky and should add more return long-term

VOO is the S&P 50O. Vym is a value large cap fund. VOO has done much better. I replaced my VYM with SCHD. If you are a newer investor, just keep adding to VOO. This fund has both growth and value in it. You can’t go wrong with the S&P.. Just ask warren Buffet.

@@bkozulla5841 I have VTI and SCHD. Not sure I would pick up VOO since I already have VTI.

@@bkozulla5841 assuming this nation still has greatness left in the tank

VTI and/or VOO and QQQ as well. Three no brainers to invest in…if you look at their long term interest payouts there around 10%-12%. Just an opinion from my time looking into to several different ETF’s. Talk to a financial planner if you really aren’t sure…good luck

Thank you so much for the advice.

Odd... They are both market cap weighted. Probably just a moment in time thing that will correct itself soon. I wouldn't make any decisions based on that.

True, but I do think there is value in simplicity, and VTI is as simple as it gets.

Good job. These are great funds and give you nice diversity.

You decide to re-invest or cash it out. I reinvest.

You don't need all those ETFs as you certainly don't need to hold both *VOO* & *VTI* at the same time as there'd be overlap or duplication since they're almost interchangeable.

VV takes out the growth stocks and only invests in value companies that are proving earnings