Hi! Total noob question but could use help optimizing my trad brokerage mix:

210K in VOO
25K in VTI
35K in VTSAX
3K in QTUM
*EF, 401K etc fully funded...

Realize this isn't the most strategic allocation, and want to focus on simple low fee investments.

To that end, grateful for thoughts:

1) What's an ideal mix?
2) How to do w/o creating taxable event? (heard you may able to transfer within certain Vanguard funds)
3) Anything else to focus on?

Huge TIA!

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Voo and VTI are basically the same

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EY2, yes they do. There is no button for it on the website. You have to call them on the phone.

You have little small cap allocation (VB; what you have is via VTI and VTSAX). You might consider adding developed international (VEA) and emerging markets (VWO) to the mix. Also consider the “lazy portfolio” options on the Bogleheads wiki.

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I experienced below SP500 gains (like 50% ) over past 15 years due to a diversified portfolio that was in small cap etc. I moved it a year ago to basically all SP500 + semiconductor related fund+energy related fund. And I’m now beating the market. Don’t listen to financial planners unless you are planning your retirement dividend/income strategy, just ride the market

I consider them passive since there are no active managers.

Your current holdings are diverse and low fee. Except for QTUM, which is a thematic ETF and a bad investment, you have three inexpensive US index funds. They are so similar that there is no need to hold more than one of these, but among them VTI is more diverse and cheaper. If you have significant gains in your other positions, you can convert VTSAX to VTI by calling Vanguard on the phone, if you are holding them at Vanguard. And you can effectively convert VOO to VTI by buying a "completion fund" like VFX that holds everything in VTI that is not in VOO. You need to look up how much to buy, but it's about 25% as much as you hold in VOO, if I recall correctly.

You would also benefit from considering holding international stocks, which offer a large diversification benefit. VXUS is a good way to hold them. And you should consider when, whether, and how much fixed income to hold, in light of your time horizon and investment goals and risk tolerance.

Remember you have one portfolio that includes all your accounts. Think about them together.

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