@jacobdoesmoney2: 3 ETFs to invest in your 20s so you don't go broke in your 30s. 60% VTI. The entire US stock market, 3,498 companies, 3 cents a year per $100. 40% VXUS. Everything outside the US, 8,807 companies, 5 cents per $100. QQQM only if you want a tech tilt, and only knowing that all 107 of its companies are already sitting inside VTI. It doesn't add anything new, it just doubles down. The 60/40 isn't my opinion. It's the same equity split Vanguard uses inside its own target date funds. I own VOO, not VTI. If I was starting today I'd buy VTI instead, because VOO's 520 companies already sit inside it, and owning both is one fund with a tilt rather than two funds.

Jacob | Investing | Marine Vet

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Sunday 16 August 2026 23:25:37 GMT