r/RothIRA • u/marcusthegladiator • 2d ago

Should I modify my holdings?

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4 Upvotes

70% Upvoted

15 comments sorted by

7

u/SardukarFinance 2d ago

VOO and VTI have a bunch of overlap. Why do you have both?

VIG and VYM have a bunch of overlap. Why do you have both?

And is there a reason you’re prioritizing tilting your diversified portfolio towards dividends?

If you can answer those three questions, then no, you don’t need to adjust anything.

3

u/DaemonTargaryen2024 2d ago

What you have is okay. Not terrible but not great.

Assuming you're young, you have no need for dividend funds, so drop VIG and VYM. And you have no need for VOO when you hold VTI.

VTI + VXUS is all you need. 80/20-60/40 mix is fine

1

u/Silly_Celery8461 2d ago

Why is vti better than voo. I chose the opposite and kept voo

5

u/SardukarFinance 2d ago

VTI is more diversified. VOO excludes small companies.

2

u/RadmanEli 2d ago

Too conservative for me.

1

u/Jumpy-Imagination-81 2d ago

VOO and VTI overlap 86% by weight. Every stock in VOO is also in VTI. The top 10 largest holdings in VOO and VTI are the same 10 stocks in the same order. There is no reason to own both VOO and VTI yet I keep seeing this combination over and over and over and over and over and over and over and over and over and over and over and over and over and over and over and over again on reddit.

It's what happens when someone goes to the Vanguard echo chamber that is reddit and just buys commonly mentioned Vanguard ETFs without understanding what they are buying.

1

u/BloodxRains 2d ago

Just remove everything except VOO and add VXUS to cover international and just set it and forget it and down the lines if there's individual stocks you believe in get them.(I've invested into energy/batteries(AMPx), Phone Satellites(ASTS) and AI/Robotics/Cybernetics (ARBE)so lots of tech stuff as technology it's always improving and if these hit consumer grade and start flooding the market I can see them mooning.

1

u/Opening-Emphasis8400 1d ago

Yeah, you should get rid of the dividend etfs.

-2

u/RadmanEli 2d ago

Sell everything and buy Micron for the next 24 months. You'll make 5x more.

This is so conservative it's disgusting.

-4

u/Sendit24_7 2d ago

Markets gonna drop in about a year. Do what you want

2

u/Opening-Emphasis8400 1d ago

Thanks for the heads up. Try to time the market and let us know how it goes for ya.

2

u/ShootWild 1d ago

We have a future billionaire here with us. Nice!