VTSAX vs VFIAX | Why I Prefer Total Stock Market Index

[@amandalee714]

I just had to move 100k out of a 401k to Vanguard because my company sold. I have no idea how to handle that much money and I’ve been so overwhelmed with all the various information on you tube. This has helped so much.

[@juangutierrez6072]

Great content good sir I've learned alot with your videos and I pretty much never post any comments even if I'm tempted to. However I feel I must show my gratitude for your efforts so thank you again! Keep posting great content for us please. BTW your channel deserves more subs and its wayyy underrated compared to other KZbinrs that put out similar content.

[@vanessalantos538]

Agreed

[@johnc7279]

Simple path to wealth!

[@akamai25]

Never seen the chart at 7:30 before and it gives an amazing overall visual of how it is just guessing to time the market or pick a winner from a particular segment. Be the market is the best advice.

[@supreme5998]

I personally take VTFIAX over VTI because I believe we’re moving to an era where winner takes all and the large companies swallow the small companies, and the variability and loss of small companies outweighs the gains. Once they make it to the S+P is when the real gains start anyway.

[@mplslawnguy3389]

I agree. I liken it to putting your money on the winning horse. The reality is large corporations almost always take over different sectors by buying up the smaller players and merging with others. That said, both VTSAX and VFIAX have performed almost identically. There is no right or wrong answer here in the big picture. Invest in one or both, doesn't really matter.

[@helennwafor2903]

Thank you. Great presentation. I too like the total index fund

[@JimmyDawson1013]

Thanks for these videos, I've been watching for a few months now and never really understood what to do with my money. Wish I did some of these things 10-15 years ago, oh well. I've maxed 401k contributions and opened my first brokerage account thanks to your advice.

[@MasterpieceFinance]

Great video as always Tae! I personally buy VTI every week :) Keep up the great work!

[@sunnyd4734]

I invest my HSA in VTI.

[@MasterpieceFinance]

@@sunnyd4734 Awesome Sunny D! Keep it up

[@autobotdiva9268]

hands down VTI/VTSAX

[@mplslawnguy3389]

It's not really hands down. There is little difference between the performance of these funds. Just invest in whatever makes you feel better.

[@autobotdiva9268]

@@mplslawnguy3389 uh huh

[@RoyalKennedy601]

Great video Tae !

[@StanMoong]

I’d take some risk and get VUAA (s&p 500 accumulating) due to the reduced 15% WHT for NRA. This should be similar to VOO. Reason I think S&P 500 is ok because the companies are already multinational so the businesses would have some exposure in countries outside of US.

[@Dabeachguy]

Thanks again for sure great info!

[@doomshallot4203]

VTWAX > VTSAX > VFIAX VTWAX is a bit expensive at 0.1% so my true preference is the ETF VT :)

[@maximusdecimusmeridius5438]

Can you do a video on using cheap margin to buy index funds

[@laurenbrown9493]

Excellent video. Thank you!

[@SEANPATTON-uu9qk]

Thank You for Your insightful post!

[@dand86F]

I pick the fidelity version are better than these 2 vanguard index. Look at the expense ratio !

[@miguelplaza5385]

Is it healthy to put 100K in VTSAX initially?

[@delta_sleepy]

Time in the market is better than trying to time the market.

[@miguelplaza5385]

????

[@mplslawnguy3389]

I believe there are studies that show a lump sum investment beats trying to buy the dips over the long-term, so yes, I would just buy and hold.

[@SwishHendrix]

Great video my guy appreciate it 👌🏾

[@dancevids23]

Would selecting both instead of one of the other a good option as well?

[@helennwafor2903]

Too much overlap of holdings

[@onlinework1239]

I already have VFIAX, does it make sense to also buy VTSAX?

[@adrianelias2365]

Not good to overlap. Both are already very similar. If you have both than you're buying into the same companies twice which makes no sense.

[@fmxmyway]

Why does it make no sense? You'll have twice as much? Or are you thinking more along the lines of the benefit of the compounding component of higher amounts of numbers in the same fund? @@adrianelias2365

[@eliteaone]

Excellent video!

[@DJLOUIE1000]

How about both? 50/50

[@jgg204]

In Vanguard's 401K it offers to its own employees, they replaced VFIAX/VOO with VTSAX/VTI. That should be all you need to know.

[@spalace7919]

Thank you for the video. Question: Besides looking at Percent Returns, do you also take into account the Dividends these funds pay out? Would you make more owning one over the other or is the difference still like "splitting pennies".

[@jlu72665]

How about VMNIX?

[@bobcobb158]

Is it worth investing into both funds?

[@ericfleet9602]

Not really. As someone who has been in VFIAX for around a quarter-century, I can tell you that the performances of the two are so similar that it really doesn't make a difference. Buying both is just adding unnecessary complexity.

[@bobcobb158]

@@ericfleet9602 thanks

[@fpanadero2626]

Why not stick with the ETF versions at .03 percent expense?

[@myvenusheeler]

Not everyone wants to deal with the ETF's, and it would take an awful lot of money before the difference between 0.03 and 0.04 would even register as something at all.

[@fpanadero2626]

@@myvenusheeler what is there to 'deal' with? Is there special accounting/tax issues?

[@myvenusheeler]

@@fpanadero2626 Bid ask for one thing and again some people are totally fine with the long standing mutual fund platform. I certainly am.

[@vanessalantos538]

Hey Tae. I have a question for you. Why do you prefer Vanguard to Charles Schwab? Do you have a video where you compare both? Please let me know

[@higiniomorales459]

He does, he compares vanguard, fedility, schwab.

[@peterl2767]

Great info 👍👍

[@lyvlong1733]

Thank You!

[@deathsoulger1]

Hay, What funds do you recommend to diversiphy outside of the USA?

[@higiniomorales459]

He usually recommends the total stock international index fund.

[@deathsoulger1]

@@higiniomorales459 VT. Yeah, I've learned a lot in the last 6 months. Like how to invest tax efficiently specific to New Zealand

[@jessiquilla1]

Thanks Tae, great analysis, love your channel! Just curious, what are your thoughts around holding a Nasdaq index tracker like ONEQ or QQQ in addition to VTSAX? Nasdaq has had impressive returns, but it is more focused on tech.

[@davide_gada]

But if I invest in the SnP am I gonna have more shares? If I put 500$ in the SnP I am going to have 1 dollar in each company. If I invest the same amount in the total market I will have like 0.12 in each? Can someone explain this?

[@moisetopaz]

Nice.

[@graemecowan2467]

Why choose a Mutual Fund vs equivalent ETF with the possibility of cap gains and maybe fractionally higher expense ratio ???

[@myvenusheeler]

Because a great number of people have their money in an IRA or 401k tax advantaged account and need not worry about cap gains.

[@havaneseday]

Can you explain what you mean by cap gains? Why would it be less or more investing in an etf vs. the the index fund as a whole directly through Vanguard? New to this!

[@myvenusheeler]

@@havaneseday You dont worry about capital gains in a tax advantaged account such as a 401k or an IRA as this money is only taxable once you start pulling it out. However, in a taxable account (using money you have that has already been taxed and you invest in mutual funds or ETF's) the money that is earned is taxable per the IRS.

[@AlfredArmstrong-z6k]

Elnora Run

[@EdmundTodd-k7r]

Smitham Mills

[@rickwilson6871]

Would be great if you could give your perspective on Value investments (such as Vanguard VOOV) in light of the work of Fama and French?

[@7k7Kizumiiiiiii]

if the expense is 0.04 and you have 10,000 invested, wouldn't the annual fee be 400?

[@ericfleet9602]

No, the expense ratio is 0.04%, the percent means you divide by 100.

[@jarenmcknight6838]

My roth IRA has both VTI & VTSAX. How am I able to convert vti to vtsax without receiving any penalties?

[@higiniomorales459]

A Roth is tax exempt, you can sell and buy all you want without having to worry about taxes. But if you sell during a down market, you will realize those loses.

[@kaosperez213]

I know you talking about Vanguard but what do you think about my investment Sorry i just started a month ago FXAIX,FTIHX,FXNAX AND FSMDX I have most of my money on FXAIX i started with 10k split into all four FXAIX having the most i think i have 70% of my money in it Thankyou for your time and all your awesome videos it has help me alot

[@NancyLouise-g4e]

Alba Hills

[@markovich3605]

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[@DavidCox-t7i]

Cale Forges

[@SanderArmstrong-h3r]

Yasmin Row

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Reichert Ridge

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Ardith Trafficway

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D'Amore Village

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Kellen Roads

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Rachael Groves

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Martinez Laura Thompson Kenneth Brown David

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Israel Freeway

[@GregoryNorman-m1p]

Schuster Streets

[@TylerCristobal-t6s]

Allen Linda Jackson Margaret Harris Kenneth

[@SusanAlfred-j9h]

Verda Land

[@meisilingg8276]

SCHD beats both of these.

[@user-nj6rk5xs1m]

Do you think SCHD is a 15+ years of forget and chill ?

[@ericfleet9602]

It doesn't appear to as it is lagging behind both over the lifetime of SCHD as well as over the last 5 years and last 10 years. But at least you get to pay a higher expense ratio in return for those lower returns...

[@CarolynBarrett-z2k]

Runolfsdottir Crossing

[@craptobotfanboy4958]

whats the difference between etfs and index funds....? did anyone watch "The Big Short"......?.... does anyone still believe ANY of this shit anymore...? "people jump into the game.... without knowing who the players are"