As a side note, I think there are many individuals here who don't properly assess their risk tolerance. Their expense ratio is almost identical (0.04% vs 0.05%) and they both have a minimum initial investment of $3,000.
The midcap and smallcap companies can be more risky (more variability of results) but also may contribute greater returns. As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. look at the growth rates and fees. I also think we have a great economy. People were suddenly talking about the importance of international stocks after the US hit a little correction last month... if you found yourself saying that after the US tanked a little, it might be the time to adjust your allocation.tl;dr VT is the vanguard fund that genuinely doesn't speculate. VTSAX, by comparison, makes the bet that future US stock market returns will continue to overachieve because the US has been the historical overachiver. You get ahead if US stocks continue their performance but not if they don't. Type the symbols in at Yahoo Finance for example to compare.
You are not investing in BP or Toyota.I'm familiar with that argument. FXAIX description.
VTSAX and VFIAX are two of the most popular index funds in the world. You have to be 100% VTSAX and CHILL.There are plenty of us who recommend holding both international and bonds. So let’s start. Today, i thought everyone recommended three fund portfolios ala boggleheadsWhy should anyone buy bonds if they still have any debt ( even a 4% mortgage)I'd probably just pick a target retirement date fund and be done with it if I wanted more diversification.Equal weight US Equity, Intl Equity, US Bonds is my approach.
This looks at how they compare and which is best for your personal situation. VTI is fine.Can you explain this more? Nestle, Samsung, LG, BASF, Bayer, Chinese companies, the world's biggest bank - none of them included in VTSAX. The argument that VTSAX already has international exposure is weak. that all US stocks hasn’t historically outperformed a three fund portfolio.The argument that VTSAX already has international exposure is weak. Fact Sheet. By using our Services or clicking I agree, you agree to our use of cookies. I love vtsax guy as a novelty account, but proferring 100% vtsax as serious advice is rather bad advice, especially for individuals who haven't proved they can hold in a down market.At the beginning, I assumed this was an elaborate ruse to elicit response from It's not often that I'm disappointed a post is actually on point to the sub, but I guess today we learn it is possible.Samsung, Toyota, BMW, Total, LVMH etc are not in VTSAXAlso one of his major points is that this keeps things simple.
if you're in the S&P range but paying higher fees, maybe switch to VTSAX. It's a great fund as part of an asset allocation.That said, buying and holding it as a sole passive investment is somewhat philosophically inconsistent with the tenets of passive investing that FI also claims to believe in, so I find it very strange that there are folks seriously advocating 100% as a strategy.
It seems like everybody around here really loves VTSAX. M1 Finance is an example.I try to time VTI purchases every now and then, it's one of the only stocks/ETFs/mutual funds I do so with since often a retail investor won't win doing that. There are 509 stocks in the index, though, because some companies have more than one “class” of stock. Since VTSAX is an admiral share fund, I prefer it over VTSMX. 8 months ago.
You will buy the $ amount you want, and will get whatever number of shares that buys, to nearest thousandth.Well damn if you put it that way, I have to take the red pill, right? Vanguard reports the same expense ratio and claims same tax efficiency.VTI as an ETF trades like a stock and will be easier to buy/sell at at particular price.
From what I've read, it sounds like ETFs might have more turnover in terms of the stocks that are included, so this would come with some expenses. I think the United States is an awesome place and I love living here. So far, 25% has been put into the ROTH, 403b, and personal investment. The cost per share doesn't really affect my decision making in this topic either.If you like the idea of investing in many companies to give you diversification, then VTSAX has that, because VTSAX contains VFIAX (more or less) as well as other companies not in VFIAX. Also, would having this money in a qualified vs. non-qualified account factor into the decision?