Just invest in VTI, VXUS, and maybe VYM or VOO (those are my 4). I do a 2:1 split on VTI and VXUS. For every 2 shares of VTI I have one share of VXUS and that covers US and foreign market funds. That’s where for me my return and I feel it’s a pretty safe investment. Just remember though anything you read on this sub isn’t advice, it’s just the ramblings of retards.

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Passive investing only works in an efficient free market. The US is closer to a centrally planned communist or fascist economy right now. Passive investors are easy targets in this system. Billionaire owners of speculative tech companies with lofty valuations are selling stock to index investors and using the cash to buy less risky assets like land. Trustworthy companies like Vanguard bundle these junk companies together and sell them to index investors the same way Wall Street firms bundled together terrible mortgages and rated them AAA during the Great Recession. Investors that should be 60-40 stocks to bonds are 70-30 or worse. They feel safe because they’re invested in a trusted asset like VTI. But while Vanguard itself is safe, you’re passively invested mostly in a handful of megacap tech stocks. The main source of the capital to drive their valuations came from Gulf oil monarchs whose main assets, oil fields, are literally on fire right now. That means they’re going to withdraw their cash and make the stocks crash down quickly. That’s the private credit bubble everyone keeps talking about. So my advice is to figure out the real asset allocation for your age according to Vanguard’s target date retirement fund, and invest there. That means holding boring bonds. Don’t be one of the risk taking idiots who holds 100% VT or a tilt to speculative tech. There’s a ton of them in /r/Bogleheads these days. https://m.youtube.com/watch?v=Tc120RAcx48 https://www.cnbc.com/2026/03/23/volume-in-stock-and-oil-futures-surged-minutes-before-trumps-market-turning-post.html

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NVDA and BTC and MSFT and AMZN. This is my brokerage. My other account is VTI, VXUS, and QQQM but don’t trade at all in that.

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VTI, VXUS, VTO all have done me well.

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You don't lose unless you sell, first of all. Second, Trying to time and manipulate the market because of a war that's been brewing and poked at by Netanyahu for 30 years just.... doesn't seem very smart to me. Maybe just stick to the boglehead method. VTI / VXUS / BND and chill out. Set automatic deposits and buys and then hide the app. Don't look at it. If you're sick, just fast, don't eat sugar until you're better. Doctor won't do anything besides bill you and maybe suppress some symptoms

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I'm about to turn 30 and have been putting all my extra income into VTI since I graduated college. I have like $500k, almost half of which is gains. I'm getting engaged and buying a house this year. The stock market is awesome, America is awesome. You're a retard.

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Could have put into VTI and made more. 

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I have made thousands and thousands of dollars putting my money 70/30 in VTI/VXUS (and so have millions of others) over that time dawg. This is the most basic, boring way to make money, but it's good money.

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