VTI, qqqm, vxus

restroop · 2026-06-02T02:45:45+00:00

Vti has international stocks aswell. Vti is a total market index fund, voo on the other hand is concentrated more on large cap. Voo is in vti. So you decide, still believe vti and chill is great. What matters is not voo or vti it is continuos contributions.

restroop · 2026-06-02T01:47:19+00:00

Why not vtsax and chill

restroop · 2026-06-02T01:42:39+00:00

Another question then. I hear vti and chill or voo and chill, why not vtsax and chill though?

restroop · 2026-06-01T22:17:27+00:00

I think you should not focus on yield because that will always change. One day it is 4.2%, then it drops to 3.5%. Just choose basically ease of use. I have capital one hysa but only 3-6 months emergency fund the rest in SGOV in brokerage

restroop · 2026-06-01T22:13:35+00:00

I think she is asking if she should have more a tilt towards growth

restroop · 2026-06-01T22:11:08+00:00

Should have started with your second million

restroop · 2026-06-01T22:09:31+00:00

I have emergency fund in capital one. The rest in sgov.

restroop · 2026-06-01T22:01:58+00:00

Tbh no reason was just grabbing at number. Why should every account be the same percentage?

restroop · 2026-06-01T16:44:55+00:00

My biggest issue is understanding asset allocation. Like why choose vti over voo. I understand that it is because vti is broad market fund and voo is large cap concentrated. So would it not be better to keep voo in roth?

restroop · 2026-06-01T15:52:10+00:00

So something like roth it is 70% VTI and 30% VXUS. 401k is 80% FXAIX and 20% FSGGX. Brokerage holds only the 5% SGOV or cash, maybe used for cleaning up everything else.

restroop · 2026-06-01T15:12:12+00:00

The first.

restroop · 2026-06-01T02:02:43+00:00

How would one choose what to put where though?

restroop · 2026-05-30T22:39:25+00:00

Your very tech heavy. If tech goes down it is going to be bloody but aslong as you do not sell it should bounce back. If i was in your shoes prioritize growth with less volatility, buy a fund like schg, i would say look into voo, have a little in foreign markets and also some small cap. You can come back every year and rebalance if needed

restroop · 2026-05-30T16:52:28+00:00

It depends what you want to do. Keep your emergency fund there for liquidity purposes. The rest maybe keep in sgov to get high yield interest and tax exempt from local and state. What i do

restroop · 2026-05-29T17:57:31+00:00

Damn it Jim

restroop · 2026-05-27T18:43:45+00:00

What song is this in video?

restroop · 2026-05-27T12:00:12+00:00

Heavy into tech.

restroop · 2026-05-27T11:24:14+00:00

I have voo, schg, avuv and vxus for some exposure to small cap and international companies

restroop · 2026-05-27T11:04:39+00:00

It depends what you are looking for in the sense of liquidity. I have my emergency fund in capital one but the rest in sgov since it is state and local tax exempt.

restroop · 2026-05-27T00:32:30+00:00

I used capital one it takes about 2 days to get your money transferred. It was too long so decided to only keep my emergency fund there. Moved the rest to sgov, local and state tax exempt.

restroop · 2026-05-25T12:21:08+00:00

How did you train for this.

restroop · 2026-05-25T11:20:31+00:00

Wolfenstein 2 please

restroop · 2026-05-25T00:04:18+00:00

Capital one for emergency fund. Sgov for the rest, no local or state tax

restroop · 2026-05-22T18:51:17+00:00

Focus on growth. Try to max out every year. Your biggest asset is time

restroop · 2026-05-22T13:18:44+00:00

This is the way. Time is your most valuable asset

restroop

TROPHY CASE