Just rolled an old 401k to my Vanguard IRA, which only has VTTSX. Should I use the rollover to buy VOO or VTI?

As VTTSX is just over half Vanguard Total Stock Market Index Fund Investor Shares, CONT

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Is VOO the better option for my scenario?

Bogle heads 3 fund portfolio. For the US stock portion, you can do VOO accompanied by some small/mid cap etf

Assuming the value of your 401K has taken a hit, wouldn’t you be realizing loss when you rollover your 401K.

Thought about doing the same but I am almost 20% down...

P1: I didn’t think you have the option to realize the loss in 401k rollovers. I could be wrong. I’m interested in knowing this as well.

There are a lot of restrictions to prevent people from doing this. Don’t know them off the top of my head, but I would assume in most cases this is not advisable. It’s hard to claim losses for Roth accounts and harder/not possible in traditional accounts.

Also, it would be total losses, not the year to date loss.. it’s pretty hard to have a substantial overall loss in your 401k/IRA, unless your 401k/IRA is in a couple of handpicked stocks

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