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all in vtsax

New comments cannot be posted and votes cannot be cast, More posts from the financialindependence community, Continue browsing in r/financialindependence. Mr. Collins it is an honor to have you find this page and an even bigger honer to read your comment. Allow me to give my best advice, which is to read The Four Pillars of Investing by William Bernstein. Beyond Debt is getting a major make over because I have decided to expand my helpful knowledge to others in a much more efficient way. 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. IMO VASGX and/or Target Date funds are probably the most aggressive one-size-fits-all funds you can really recommend to somebody without them coming with far too great a risk of hurting them for human behavioral reasons. The extra money made during my blogging, trading and photographing days will go into VTSAX monthly. And since we can't know the future, it's acceptable to conclude that reasonable minds can differ. I have been using 75/15/10 for US/international/bonds. I truly hope that answered your question.

Telling strangers to do this sort of thing ignores the human behavioral component of investing. Passive investing is the idea that you should buy and hold equities rather than speculate - so VT should actually be the passive investor's fund of choice (or VTIAX+VTSAX manually rebalanced to capital weighting). Cookies help us deliver our Services. However, the page is still live here. I have been a penny stocking silver subscriber for 2 weeks now, and aside from the education and alerts presented by Tim I have just been browsing the troves of videos on youtube and any other platform I can find related to day trading. I feel like people on this sub dont account enough for their own susceptibility to human psychology. But I was tuned out for a while, is the newest newest trend to do 100% VTSAX as OP in implying? After reading the book the Simple Path to Wealth I said in this post I would put $50,000.00 in the Vanguard VTSAX fund and add to it monthly. 80/20ing a diversified (intl and natl) stock portfolio with bonds is on the aggressive side for lots of people. There's never going to be one approach that works for everyone. I'd probably just pick a target retirement date fund and be done with it if I wanted more diversification. Glad you found them useful. Today, i thought everyone recommended three fund portfolios ala boggleheads, Why should anyone buy bonds if they still have any debt ( even a 4% mortgage). Jai, I am new to the day trading world and I am hungry for information to understand the core concepts of how this whole scene functions. Alphabet (Google) Facebook. Don't take any of this the wrong way. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible. In any case, I'd be suspicious if this guy is giving VTSAX as one size fits all portfolio advice. It is the best choice for most people. Press question mark to learn the rest of the keyboard shortcuts. It's a great fund as part of an asset allocation. It offers diversification across thousands of companies and has an extremely low expense ratio of 0.04% for admiral shares. You can’t just be all in VTSAX. See holdings data for Vanguard Total Stock Market (VTSAX). Wow! Warren Buffet made it long before him AFAIK. For new investors (like my 3 kids), you need a minimum of $10,000 to get started which may be a bit high. It will all work itself out. An easy way to help others is to show them the power of VTSAX. BIG GULP with sweat rolling down my face while biting my nails, If you are new to stock trading test your knowledge, There are a lot of secrets in trading stocks and I reveal 20 of them in, If you are confused about short selling stocks then read, Do your best to avoid day trading distractions. 80/20ing a diversified (intl and natl) stock portfolio with bonds is on the aggressive side for lots of people. (adsbygoogle = window.adsbygoogle || []).push({});After reading the book the Simple Path to Wealth I said in this post I would put $50,000.00 in the Vanguard VTSAX fund and add to it monthly. In fact, we are nearly all time highs in the market and starting this journey 10 days before Donald Trump becomes the 45th President of the United States makes me nervous. Good luck and race you to the first million (in dollars and cash) :). Your book changed my mental mindset on finance as well as my financial life. I was hoping that I could have your email address to bounce a few ideas and questions off of you in regards to software to use, and avenues to take to learn the ropes as quickly as possible. Every single person who I helped in some way shape or form, failed, quit or decided day trading wasn’t worth it. The growth over the years meant that that $4000 had turned into $11000, which is great, but I did some calculations and found that had I put it in VTSAX, it would have become ~ $30,000. The second reason is I want to show the process of growth and challenges to my readers in real time, to hopefully, inspire others to be patient and responsible with the growth of their money. The more simple it is, the less you are tempted to fool with it. Your email address will not be published. There are also plenty who only want US stocks. Nestle, Samsung, LG, BASF, Bayer, Chinese companies, the world's biggest bank - none of them included in VTSAX. You're still underweighting yourself internationally compared to US. By using our Services or clicking I agree, you agree to our use of cookies. I'm not suggesting people should be 50/50 or something, I'm just questioning if people should be 100% VTSAX/S&P500. Thanks again for all of your hard work to help educate the rest of us.

ALL_IN_VTSAX 122 points 123 points 124 points 2 months ago Any dummy can set an auto buy for VTSAX and not check it for a decade. that all US stocks hasn’t historically outperformed a three fund portfolio. Reading it was like taking the red pill in the Matrix and becoming interested in personal finance and investing for the first time in my life. "Your Money or Your Life" originally advocated going 100% on bonds IIRC.

Are you no longer day trading? My Millionaire Journey: I Put $50,000.00 in the Vanguard VTSAX Fund. There are successful day traders but the chances of You crossing over from the 90% to the 10% is so slim that it’s not worth the risk for me to promote anymore. If you have questions or comments I will continue to answer them honestly and to the best of my ability. However, I realize that this is not a sprint… This is not a marathon… This is an ULTRA MARATHON. You can't say someone is being unprincipled or straying from their strategy simply because they draw the line in a different but similar place. I also think we have a great economy. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. But be clear that you are not investing in non-US companies. I greatly appreciate all the unbiased articles you present here in your blog, I’ve read almost every article related to the Millionaire Challenge in the last 2 days. What about all the international companies that gain a huge share of their revenue from the US? Another problem, and maybe a more pernicious problem, with the all VTSAX advice is that it is completely incompatible with the average person's risk tolerance. It's not like buying VTSAX is a suicidal move, but in this respect trying to all-in it is sort of unprincipled - if you're going to speculate by paying a premium for a historical overachiever, why stop at VTSAX/the US? Apple. With that said… (BIG GULP with sweat rolling down my face while biting my nails) on January 10th, 2017 I began a new Millionaire Journey by putting $50,000.00 in the Vanguard VTSAX fund and will share the journey with monthly financial contributions and blogging updates. You have to be 100% VTSAX and CHILL. Another problem, and maybe a more pernicious problem, with the all VTSAX advice is that it is completely incompatible with the average person's risk tolerance. This reduces diversification in theory. Truly diversifying from VTSAX is actually NAESX, not VGTSX (small cap, not international). VTSAX, by comparison, makes the bet that future US stock market returns will continue to overachieve because the US has been the historical overachiver. Berkshire Hathaway. I wrote, “Yes I will continue to trade but I will be turning my efforts of trading and this blog Beyond Debt to a more responsible money growing and nurturing place.”. Feel free to reach out to me and I will see how I can help. 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. I've never seen anybody argue that you don't need to invest in the US because you're exposed to it enough through international, but it holds equal merit. Backtesting shows, that VTSAX is still the fastest way to fire: This is only one part to our ‘wealth building’ strategy and we have several experiments on the go. medianet_height = "250"; The first reason is that I plan to build an account that I can pass down to my kids.

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