@rawmakeup: Replying to @Pauline rich girls don’t pick stocks, they buy the market and move on to make more $$$ 🙂‍↔️ The two things you should look for in any ETF are 1) a low expense ratio and 2) liquidity, but here are a few specific ones I like for starters: 1) VTI (0.03%) — tracks the CRSP U.S. Total Market Index • Gives you total U.S. stock market exposure (thousands of companies), which is a great “core” holding 2) VOO (0.03%) — tracks the S&P 500 Index • These are the top 500 U.S. companies - overlaps a lot with VTI so you may not want both 3) VXUS (0.05%) — tracks the FTSE Global All Cap ex U.S. Index • Comprised of about ~8,500 companies outside the U.S., so great international diversification especially if you hold VTI or VOO 4) VUG (0.04%) — tracks the CRSP U.S. Large Cap Growth Index • A slightly riskier, growth play - technically diversified across industries but is more tech-heavy. If you're young or just want to be more aggressive with your portfolio, this is great! 5) VWO (0.07%) — tracks the FTSE Emerging Markets All Cap China A Inclusion Index • Gives you exposure to emerging markets exposure - higher risk than broad international (VXUS) but still diversified vs picking individual stocks in these markets! ***Disclaimer: this is NOT financial advice, Purely education!!!*** #finance101 #beginnerfinancetips #richgirlhabits #beginnerinvestingtips #investingforwomen

Rachel Wiseman

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Sunday 18 January 2026 20:10:31 GMT