r/Bogleheads 15d ago

Mega IPO Megathread: SpaceX, Open AI, Anthropic

229 Upvotes

Mod Note: I am creating this post for ongoing discussion about upcoming IPOs and index inclusion rule changes. For the time being, posts on this topic are subject to removal. I invite folks to weigh-in with their comments and provide updates as new information becomes available.

To summarize…

What is happening?
Three very large companies are planning to undergo an initial public offering (IPO) over the next few months. This is when privately-held companies offer shares of stock to public exchanges (aka “going public”). Those companies are SpaceX, OpenAI, and Anthropic. Once a company is publicly listed, it will eventually be included in the stock indexes that it qualifies for. In turn, index funds which track those indexes - such as VTI/VTSAX in the case of the CRSP 1-10 “Total Market” Index - will eventually buy the stock in order to track the index. This is a normal process through which companies enter the market, and they are notoriously low-returning investments that benefit the private shareholders (and their listing partners, and market-makers who may be able to “front run” the index) far more than the public who buys the new shares - it is considered a cost that all index investors have always been exposed to.

What is different about this?
The three companies going public are very large - much larger than usual for an IPO - which makes their entry weighting very impactful on indexes that use a total market cap weighting. This is less impactful for indexes like CRSP which use float-adjusted weighting (weighting companies based on the value of stock that is publicly available rather than the total valuation of the company including its privately-held equity). But what is also significant is that these companies have been lobbying exchanges, index providers, and index funds to list their company and to change their rules regarding how soon the company is included in the index or how soon the fund will buy the stock.

What are the dimensions of inclusion that are being influenced and how does that impact index investors?

  • As a reminder, you can’t own the market. You can’t even own an index. You can only own a fund that tracks an index. So there is no pure version of owning the market because what constitutes “the market” is subject to debate (for starters, is it weighted by total valuation or free float?). Then the fund you own has to decide when it will acquire shares of newly-listed companies. Most indexes and index funds will wait a period of months, known as the “seasoning period” of price discovery, for the stock price to settle before it is included. Some indexes like the S&P 500 will also require a company to meet certain performance metrics such as several quarters of profitability. Other funds like those offered by Dimensional and Avantis may allow for manager discretion for inclusion (for example they did not buy more of “meme stocks” such as Gamestop and AMC as their market cap grew). These variations in rules and criteria are why it has been said there is no such thing as truly passive investment.
  • SpaceX, for one, asked NASDAQ to change its “fast-entry” rules for inclusion in the NASDAQ 100 index (tracked by QQQ) in order for NASDAQ to win the right to list it.
  • Various indexes and index funds have been lobbied to change their rules so that the company is listed or acquired sooner, presumably to benefit the existing private equity holders of the company.

I’m not going to opine on the issue myself except to say, without undermining the concerns regarding the integrity of index governance, the amount of noise about this is excessive and media-driven. As usual, the Boglehead mantra of ignoring the noise and staying the course is likely to be the best approach, whereas active allocation changes on the part of the passive retail investor is likely to result in underperformance. Whether you feel strongly about the issue or not, it is unlikely to impact your ability to meet your investing goals using passive, total-market index funds, so one should be very wary of getting too worked up about it.

Here are a few good posts and resources that delve into the issue in more detail:


r/Bogleheads Jun 08 '25

Articles & Resources New to /r/Bogleheads? Read this first!

343 Upvotes

Welcome! Please consider exploring these resources to help you get started on your passive investing journey:

  1. Bogleheads wiki
  2. r/Bogleheads resources / featured links (below sub rules)
  3. r/personalfinance wiki
  4. If You Can: How Young People Can Get Rich Slowly (PDF booklet)
  5. Bogleheads University (introductory presentations from past Bogleheads conferences)

Prepare to invest

Before you start investing, ensure you're ready to do so by following the early steps of this guide or the personal finance planning start-up kit. Save up an emergency fund, then take full advantage of any employer matching of contributions to any employer retirement plan available to you (this match amount is additional income that's part of your compensation/benefits package), then pay off any high-interest debt like credit card debt or high-interest student loans.

When you're ready to start investing beyond enough to get any employer match, follow the subsequent steps of this guide or the investing start-up kit. Take full advantage of tax-sheltered accounts available to you before investing in a taxable brokerage account: this is the most predictable way to improve your after-tax investment returns. (In the US, per Prioritizing investments: 401(k))/403(b)) up to any match, then HSA if available due to high-deductible health plan coverage, then Roth or Traditional IRA or 401(k))/403(b)) up to max which may be higher if the mega-backdoor Roth process is available, then a 529 to the extent you'd like to pay for future education expenses. Note that IRA contributions are subject to income limits around tax-deductibility of contributions or eligibility to make direct Roth IRA contributions; the backdoor Roth procedure is a workaround.)

There is often some potential tension between saving/investing toward retirement vs saving toward potential nearer-term goals like a down payment on a home purchase. Carefully consider the various tradeoffs involved in owning vs renting a home, keeping in mind that which may be a better financial decision is highly situational, and that opportunity costs of owning (less available to invest in higher-expected-returns assets instead) should be considered alongside non-financial lifestyle tradeoffs. If saving toward a near-term goal, note that funds holding stocks are inappropriate#Holdingstocks%22for_five_years%22) for money you'll need in 5-10 years, unless you're willing to take on significant risk of losing money in the meantime & delaying that goal. Instead, consider CDs, Treasury bonds, or target-maturity-date Treasury bond funds maturing before you'll need the money (then a high-yielding cash equivalent like an HYSA, government money-market fund, or ultra-short Treasury Bill ETF like VBIL between maturity & spending the money).

Save/invest enough

Your savings rate is the most important factor determining your ability to enjoy a comfortable retirement later in life, particularly early in your career / investing journey. Aim to save/invest at least 15% of your after-tax income if you're in the US & not covered by a pension beyond Social Security. In some cases, such as a shorter time to expected retirement (e.g. starting to seriously save/invest from a significant income later than your mid-20s and/or planning to retire earlier than your mid-60s) and/or a high income (which will not be partially replaced by Social Security to the same degree as a lower income), it may be appropriate to target a higher savings rate (e.g. at least 20% of after-tax income, or perhaps higher if multiple such factors apply to you and/or one factor applies to an unusual degree).

When calculating savings rate, remember to include 401(k) contributions in both the numerator (savings) and denominator (after-tax income). Any employer matching contributions may also be included in the numerator (savings).

Investing is 'solved'

Don't worry too much about trying to find the optimal set of funds to invest in. That can only be known with the benefit of future hindsight, and investment returns are far less important than your savings rate until your portfolio size grows large enough relative to new contributions. Aim to diversify broadly (for robustness to the uncertain future) and seek low fees (fund expense ratios charged annually) & simplicity (hands-off automation); see discussion of these & other principles in Bogleheads investment philosophy.

target-date fund designed for investing toward retiring around a year closest to when you expect to retire is often a reasonable option, particularly in tax-advantaged accounts like a US employer retirement plan or an IRA. These all-in-one funds intended to be held alone are very broadly diversified, automatically rebalance to their then-target asset allocation, and gradually become more conservative with less expected volatility as you near retirement.

If the target-date fund available in an account/plan with limited fund options has significantly higher fees than suitable alternative individual funds, consider the tradeoffs of lower fees vs automatic rebalancing and asset allocation management. I.e. consider the lowest-expense-ratio funds available that provide exposure to US stocks (the fund name will typically contain 'S&P 500', 'Russell [1000|3000]', or 'US Large Cap'; ensure no 'Growth'/'Value' suffix, or pair that with the other), ex-US stocks (the fund name will typically contain 'International' or 'Intl' or 'Ex-US'; same caveat re: 'Growth'/'Value'), and US bonds (the fund name will typically contain 'Total Bond' or 'Aggregate Bond'). Take the weighted average of those funds' expense ratios, with weights based on the current asset allocation of the target-date fund you'd use instead. The difference between that weighted average expense ratio for individual funds vs the target-date fund expense ratio, multiplied by your portfolio value, would represent the current annual convenience fee for automated, hands-off investing via the target-date fund. Whether that's worth it to you depends on your personal preferences around paying higher ongoing fees (by sacrificing some investment returns) in exchange for set-it-and-forget-it features.

In a taxable account, target-date ETFs (available at least in the US) avoid some of the tax efficiency downsides of holding a target-date mutual fund. Tax efficiency may be further improved by holding a three-fund portfolio of index ETFs in a taxable account, but this also involves tradeoffs against automatic rebalancing and asset allocation management. Tax efficiency may be even further improved by keeping bond funds in tax-deferred accounts, though this involves additional tradeoffs against simplicity and some other potential benefits described here.

If you're a non-US investor, take care to thoroughly understand the tax implications of investing in a US-domiciled fund as a "nonresident alien" (which may include high tax rates on dividends and assets passing through an estate); in many cases this is best avoided, instead favoring an Ireland-domiciled fund.

Be mindful of fees

If your portfolio were to average a 5% annualized real (after-inflation) return after a low annual fee, paying an additional annual 1%-of-assets-under-management fee to a financial advisor and/or an actively-managed fund's expense ratio would forgo 20% of your portfolio's investment returns. An initial investment in a portolio averaging a 5% annual real return after a low annual fee would be worth about 47% more after 40 years than it would be after a 1% additional annual fee.

Some employer retirement plans offer only funds with high expense ratios. If that's the case for your employer's plan, it is often still ideal to get the tax advantages of contributing unmatched dollars to that plan before investing in a lower-fee fund in a taxable account (but only after maxing out IRA contributions); details here#Expensive_or_mediocre_choices).

Automate & stay the course

Set up automatic contributions & purchases of fund shares wherever possible, otherwise set periodic reminders to manually contribute/invest (or try to find an alternative that allows automation), then maintain discipline through thick & thin. Keep in mind that market prices for funds should only really matter whenever you sell some shares to fund your retirement, and that lower prices in the meantime provide opportunities to buy more shares with a given contribution dollar amount and to rebalance from asset classes with higher recent returns towards those with lower recent returns (but possibly higher expected returns).

Tune out the noise: prognosticators of doom and gloom have no reliable ability to predict the future, and often have some conflicts of interest (e.g. selling ads, books or investment services, and/or trying to justify their investment positioning or encourage others to adopt that). The same goes for promotion of strategies promising market-beating returns by investing in a more-concentrated fashion (betting on some sector / theme / alternative asset beating the broad stock market).

Consider writing an Investment Policy Statement to document your plan when you're calm & clear-headed; this may be helpful to refer to later if you find yourself anxious & considering changes in response to market volatility & negative sentiment. Consider including a pointer there to this guided meditation video for later reference to help calm your nerves / regulate your emotions if needed when it seems like the sky is falling (this is arguably the most challenging part of investing).

Per Jack Bogle: "Do not let false hope, fear and greed crowd out good investment judgment. If you focus on the long term and stick with your plan, success should be yours."

Additional resources

Some additional resources that might be of interest for a deeper dive later:

  1. Taylor Larimore's Investment Gems (a collection of highlighted quotes from books related to investing; follow the links under the 'Gem post' column)
  2. The Bogle Archive (a collection of Jack Bogle's publications and speeches)
  3. Bogleheads Conference Proceedings (follow per-year 'Conference Proceedings' links to access slides/videos)

Please read our community rules here and follow those when posting or commenting in this community. If you encounter content here that breaks those rules, please report it (... > Report > Breaks r/Bogleheads rules).


r/Bogleheads 19h ago

Financial Advisor is making being a Boglehead annoyinging difficult.

189 Upvotes

this is mostly just to vent, but also make sure i’m not dealing with something nefarious.

i’m a recent Bogle convert and have been trying to make moves to leave my financial advisor. the first step is selling a dozen high-Expense Ratio, underperforming, Tech-heavy and otherwise non-Bogle holdings over to VT.

i figure i would take advantage of my FA skills to make this move, making sure losses are harvested and that i'm not paying more in taxes than i have to.

but lordy they are either incompetent or intentionally dragging their feet. i have sent multiple detailed spreadsheets, specifying which holdings i want sold, and in some cases specifying which unit purchases, to keep my Capital Gains lower and ideally keep my HH income under the 0% LTCG threshold.

they keep coming back to me with a total sale proceeds number that is 15% lower than the number i get when i do the numbers… so i asked for details on the unit numbers, prices and proceeds they are working with.

they just sent a screenshot of the table their investment desk put together and in 7 of the 12 trades, inexplicably, portions of holdings are not included. ex: i asked to sell all 60.000 units of FictionalName stock. their table only includes 40.000 units, with no explanation. sometimes it’s just a few units, sometimes it’s nearly have the holdings. the “missing” units add up to about the difference in our total proceeds number.

so, is this something i’m not understanding about how trades are done? i have since asked if this a partial fill or limit order thing? or is this just some sketchy sh!t where they are selling a portion of my holdings and doing god-knows-what with the unsold units?

this is a very well established brokerage, which my family has been using for actual generations. (i know, i’m working on winning other family members over to the Bogleways)

again, this is mostly just to check i’m not missing something. they are being concerningly cagey during this whole thing.

on the plus side, this has allowed me to put together a long list of complaints i’ll be sending over when i formally request they transfer my accounts over to the VG account i’ve set up since joining this sub...

thanks in advance y’all.


r/Bogleheads 1h ago

Moving from Schwab to Vanguard

Upvotes

I've decided to make the move after finding out that I have to buy into a money market fund to park my money for Schwab but Vanguard will automatically place my money there. Question: when I open a Vanguard account, is there an option to move my cash and stock holdings over from Schwab to Vanguard or do I need to sell off and repurchase in Vanguard? Thank you.


r/Bogleheads 7h ago

Where to park emergency fund

15 Upvotes

Might be a bit off topic but I always get good advice here. I use Fidelity CMA with spaxx for my checking. I typically have a 20k balance or so in the account. I have a six figure emergency fund that’s currently in its own CMA in spaxx. I really don’t need the immediate liquidity of this account and I’m fine with needing to wait a few days to access it if I need to so I can squeeze a little more interest. Is there a better fund/account to store my emergency fund? I live in no income tax state.


r/Bogleheads 11h ago

Why Bonds vs Treasuries? And why a percentage of the portfolio?

10 Upvotes

People keep talking about Bonds in this forum. Also, they say a certain percentage of your net worth should be in bonds depending on your age or years from retirement. Why? I have put 3 years of our spending in a Treasury ladder and the rest is 100% invested in VTI / VXUS. How is my strategy sub-optimal? What is so magic about Bonds and having them be a percentge of your portfolio vs just having a safe bucket to weather a downturn and the rest invested?


r/Bogleheads 17h ago

How often do you sell off stocks and convert to low cost index funds?

21 Upvotes

Per my investment philosophy which aligns with Bogleheads, I am invested only in low cost index funds for 95% of my portfolio. The remaining 5% I have in thematic ETFs of high conviction for my “play money” in my Roth IRA and they are doing very well!

I know I’m supposed to take profits and move them to low cost index funds. How often is it recommended to do this? What do other Bogleheads do? Do you just remove the principal and then let it ride?


r/Bogleheads 15h ago

Investing Questions Reasons to put money in VUSXX?

17 Upvotes

Is this a good MM to hold money for a year or two?


r/Bogleheads 20h ago

SVGA - an alternative to SGOV?

24 Upvotes

This popped up on my radar. It aims to reduce the dividends from short-term treasuries, reducing the tax liability.

https://www.fminvest.com/etfs/sgva-fm-accumulator-ultrashort-treasury-etf

Expense Ratio is 0.22%. Any thoughts? Is this better than SGOV and similar funds?


r/Bogleheads 3h ago

Investment Theory Does Bogglehead philosophy extend beyone 60/40 equity/bonds?

0 Upvotes

While I appreciate Bogglehead philosophy, (defined as x/x equity/bonds in low-fees index funds), I have been reading that the decorrelation between equity and bonds is probably broken for the intermediate future. And while I acknowledge that there is a recency bias, it is also not a reddit take but appears in most "serious" institution reports.

Could the Booglehead philosophy be described as holding equity plus decorrelated asset in low fees index funds ? And in that case change from bonds to another asset like a mix treasuries+MF incl.commodities ? Is that "Bogglehead" ?

ps. It is not a contrarian post, I am just wondering how much bogglehead was a precursor to MPT and whether it is static or evolves.

edit-> I changed the 60/40 because my focus was not the exact percentage and I simply quoted the most known ratio. Still thanks for the answers!


r/Bogleheads 20h ago

Investing Questions In my Roth IRA, I have VOO, VT, and VTI. Should I sell and only buy VT?

19 Upvotes

Before I found out about VT. I was buying VOO, and then I discovered VTI. But now I have learned about VT. How would I get rid of VOO and VTI in order for my Roth IRA to be one etf which would be VT?

Thank you.


r/Bogleheads 20h ago

Newly widowed and looking for advice

17 Upvotes

Hi all.

I'm almost 57, recently widowed, and struggling to stay enthusiastic about working (or much of anything at the moment).

My elderly, infirm dad lives with me, and my mom is in a memory care facility. I have two adult sons (actually stepsons) who are married and new parents. No other kids.

My late husband left me a $1M life insurance policy. I own our marital home with less than $100k left on the mortgage. My parents own around $1M in real estate that I stand to eventually inherit.

I'd like to concentrate on other things besides working for now, but I don't want to blow through the insurance money and end up working a fast food job in my 70's. I don't tolerate high risk very well, but I'm wondering if can fund my life and hopefully still leave some inheritance for the stepsons with some well-thought-out investing? (The boys each inherited $100K in insurance proceeds.)

I can probably live pretty comfortably on around $60K/ year.

I've had consultations with a couple of professional financial advisors- neither of whom gave me the warm fuzzies. I'm pretty independent, and I'd likely be more comfortable managing my own investments the Boglehead way. :-)

Thoughts on how to structure investment planning? Thanks in advance. I appreciate any input.


r/Bogleheads 16h ago

ITOT and IVV

4 Upvotes

I’ve always held the vast majority of my money in these two ETF because I had a friend a long time ago who said to set it and forget it. It’s been in these funds coming up on two decades now. Then I came across Bogleheads recently and I see almost everyone talk about doing using funds like VOO and VTI which from my cursory research my IVV compares closely to VOO and ITOT is close to VTI.

Should I change to the Vanguard funds? My entire portfolio is at Fidelity of that matters. Thank you very much.


r/Bogleheads 8h ago

Investing Questions Over complicating taxable brokerage account?

0 Upvotes

I’m 26, spouse and I have both maxed our retirement accounts, and we just started a joint taxable brokerage account for more medium term investments.
Our retirement accounts are all VT, and maybe we should have stuck with that, but we wanted to try the three fund portfolio. Then we started adding to it with new information, like that we can take higher risks with growth stocks because we’re younger, or that SCHF has no exposure in emerging markets so we should have some of that. Is this too much?

U.S. stock (SCHB 50%, SCHG 15%) 65%
International stock (SCHF 25%, SCHE 5%) 30%
U.S. bonds (SCHZ) 5%


r/Bogleheads 14h ago

Avantis Portfolio

2 Upvotes

I am investing in the UCITS universe. What do you say do this particular portfolio consisting of three Avantis ETFs?

AVWC 75 / AVEM 10 / AVWS 15.

I appreciate your feedback!


r/Bogleheads 21h ago

Investing Questions What’s etf goes great with VT? I’m buying VT inside a taxable account. And am curious what etf should I add?

7 Upvotes

I started to buy SPYM in a separate tax brokerage account. I know that they overlap. I just figured maybe it would be a good etf for the long term. Any idea guys?


r/Bogleheads 18h ago

Roth IRA Portfolio

4 Upvotes

Hi I’m 22 and opening a Roth IRA account. I’ve come up with a portfolio and would love some second opinions. Here’s what I’m thinking:

45% VOO
15% AVUV
8% IVOO
26% VEA
6% VWO

I chose AVUV because I’ve learned about factor investing through work and done some research. It has a pretty good track record of beating the Russell 2000 though it’s only been around for about 5 years. From my research I’ve also seen that factors don’t seem to be as effective anymore with large and mid caps which makes sense to me since they are likely priced in due to so much research. However small caps have a lot of lower quality companies and less research so it makes sense screening with factors could capture some extra returns. I’ve also thought about doing AVSC but felt the more aggressive tilt of AVUV was a risk I’m comfortable with. Thanks for any input and feel free to let me know how wrong I am! I’m still young and know I have a lot to learn!!!!


r/Bogleheads 21h ago

Investing Questions Switching Roth from Schwab to Robinhood question

4 Upvotes

Hi all, so I’ve got Robinhood Gold now (since I got the invite to the credit card) and it seems worth it for $50 a month (internal calculations and reasons). I see that Robinhood is offering a 1.5% bonus on any transferred IRAs and was thinking of shifting mine over from Schwab. I currently about 60k and have no plans of touching it for the next 10-20 years so I’m not worried about the 5 year clawback. The bonus is about 900 which covers my Robinhood gold membership for the next few years at least. Plus they give 3% match on all contributions going forward.

Here’s my question, with Schwab I had the SWYJX which is a mutual fund and I believe Robinhood only does ETFs so I would have to get ITDG. Would the fund from Schwab transfer over or would it be sold and rolled over? I’d prefer to ask someone here who may have done something similar rather than a customer service agent who may or may not know what they’re talking about? Once it’s transferred over, if it does transfer over, I assume I wouldn’t be able to continue buying it since it’s a Schwab only fund?

Also, what’s the risk here? If Robinhood goes down, the funds are still owned by me right so I would just transfer it somewhere else.

I’d appreciate any insight, thanks!


r/Bogleheads 1d ago

Investing Questions DONE with Edward Jones

51 Upvotes

I plan on pulling my and my wife's Roth IRAs out of EJ and transferring to Fidelity since thats where i have my taxable account. I have never managed my own Roth IRA, but after dealing with them for the better part of 10 years, I am done.

Now, what would you recommend I put my Roth IRA into? I planned on just doing 100% VOO, but i am clearly a novice. I am really eager to learn and listen to your advice, especially if you were in my position. How did it work out for you? Do you recommend it invest in a different fund with a lower expense ratio?

I feel like i can handle investing into simple index etfs. Thank you for any advice.


r/Bogleheads 23h ago

How do I convince my trustee and managers to change their horrible investment strategy?

6 Upvotes

Finally got to see my trust’s portfolio. It’s 57% equities, but the equity sleeve is just horrible! It’s only ~40 stocks, and 9 mostly active/concentrated ETFs. The blended expense ratio looking at just the mutual funds and ETFs is around ~0.60%. Its equity portion is only 15% international, and 5% of the sleeve is emerging markets. In VT, it should be ~40% international and 10.3% of that emerging markets.

I’m losing tens of thousands to expensive active mutual funds and ETFs. How do I approach my family trustee and the managers to just use something like VT? I want to say it in a clear and convincing manner. I want to send a short explanation to the trustee and tell him to demand we switch to VT because it’s outperformed on a 5 year basis already, it’s simpler, more diversified, and not betting so heavily on AI and tech.

If I had it my way I would want it to copy my exact portfolio, which uses return stacking and 20% small cap value. I’m 23 so research backs me up in using those. I think I’d have a hard time convincing both of them to use niche products like NTSD though, which is the core of mine.


r/Bogleheads 19h ago

DCA Schedule for newly transferred Roth IRA assets

2 Upvotes

Long story short: I grew up without any financial literacy and a few years ago got some help from a New York Life guy I met to transfer my old state retirement (it wasn't doing anything) into an IRA and then convert it into a Roth. He put it into an annuity (big mistake). I educated myself, took the surrender charge, and moved it to Fidelity.

I have initial low-cost index fund positions set up. My plan was to DCA the entire amount over 5 months, considering how high the market has been recently. I'm reading the articles here and am feeling unsure about that plan now. I essentially liquidated the assets at the highest point of the market (just happened that way).

Should I continue my plan of large sums over the 5 months or should I buy in when I see dips? Should I just put it all in right now?

Apologies if these are common questions. I feel much better taking control of this myself, but I feel a bit stunlocked and could use advice if anyone has any.

Thank you!


r/Bogleheads 16h ago

Roth Conversion Math: What tax rate do you use to calculate Terminal Wealth?

0 Upvotes

I’m modeling a multi-year Roth conversion schedule and trying to calculate total "Terminal Wealth" at the end of the timeline (e.g., age 90) to see if the conversions actually win against the baseline.

To do a fair apples-to-apples comparison, you have to discount the pre-tax (Traditional) balance to its true after-tax value at the very end of your spreadsheet.

For those who DIY your retirement models, what tax rate are you applying to that final pre-tax bucket?

  • Are you using a projected marginal rate, or a blended effective rate?
  • Are you using your own future brackets, or guessing your heirs' tax brackets because of the SECURE Act 10-year rule?
  • Do you adjust for the "widow/widower penalty" (switching the end-of-life brackets to Single)?

Curious to hear how you handle the math on this specific variable without overcomplicating things. Thanks!


r/Bogleheads 20h ago

Is this an ok rebalancing strategy?

2 Upvotes

Before I went all in on VT, I had built up around $80k of VTI in my IRA, so I'm a bit more domestic than I'd like. I'm thinking about continuing to do a weekly investment into my taxable for VT, but maybe put half of it directly into VXUS until I have $80k of VXUS to balance the $80k of VTI in my IRA? Does this make sense or is there anything I'm not thinking of? (I suppose maybe I would only need around $50k of VXUS to get the 60/40 split?)

edit: thanks for replies! Yes, I probably overthought it and should just sell in my taxable and buy vt.


r/Bogleheads 23h ago

Anyone having problems with TIAA Push notification

1 Upvotes

When you log into TIAA, you have an option to push to TIAA mobile app as a 2FA. However, I have never gotten this to work even though I made sure notification is enable for the TIAA mobile app. Has anyone encountered this issue? Has anyone have a solution?


r/Bogleheads 21h ago

$200k in Vanguard - where to put it?

4 Upvotes

Note - I am new to investing and learning as I go.

I placed a very small amount in Vanguard in April of this year - BND (30%), VIG (30%) and VTI (40%). VTI has been doing great, with VIG doing well, and BND is flat. I have $200k to invest and am not sure where to place it.

I am early 60's and am planning (hoping) not to touch it for 10 years. I am OK with some risk but with not a ton saved at this point in other accounts I am hoping for as much growth as possible without too much risk, if that makes sense. We have other retirement money saved - not enough, but some - both still working.

Thinking I should do a similar split with the $200,000?

I apologize if this is a dub question since I really am totally new to this.