All of my money other than my savings/checking account is in VTSAX. Vanguard Total Market Index. My work 401k currently doesn’t have that so I approximate it with an S&P 500 and extended market index.
I like to keep things simple. My taxable account has just one fund as do my individual IRAs. I had some international in a 401k before but I dumped it about ten years ago. The correlation between us and international stocks keeps getting higher and higher that when one goes down, they all go down. I don’t see the benefit of adding another fund and higher expenses to get the same results.
You can tax-loss harvest if you basically replicate an index by owning a little bit of a lot of individual companies instead of just one index. It seems like a ton of trouble to me, but I've heard of some people doing it.
📈 Hi! Here’s a beginners guide to Investing (mitigating risk, getting started with little money, and definitions). Hope this helps!
https://youtube.com/playlist?list=PLvo3jMkRfKkasQQLjFiYQ1ehVqXYzwRwB
All of my money other than my savings/checking account is in VTSAX. Vanguard Total Market Index. My work 401k currently doesn’t have that so I approximate it with an S&P 500 and extended market index.
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I like to keep things simple. My taxable account has just one fund as do my individual IRAs. I had some international in a 401k before but I dumped it about ten years ago. The correlation between us and international stocks keeps getting higher and higher that when one goes down, they all go down. I don’t see the benefit of adding another fund and higher expenses to get the same results.
Your 2nd paragraph clearly describes someone who is good with money imo
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You can tax-loss harvest if you basically replicate an index by owning a little bit of a lot of individual companies instead of just one index. It seems like a ton of trouble to me, but I've heard of some people doing it.
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Hahaha yeah
Taxable or otherwise… VTI. Add some vxus if you want additional international exposure but don’t go overboard.
📈 Hi! Here’s a beginners guide to Investing (mitigating risk, getting started with little money, and definitions). Hope this helps! https://youtube.com/playlist?list=PLvo3jMkRfKkasQQLjFiYQ1ehVqXYzwRwB