VTSAX, VOO, or VTI? Goal is retirement in 30 years.

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VTI and VTSAX are the same thing in different forms. VOO is very similar to VTI. Pick one of the 3. It doesn’t really matter which one. If you are not at Vanguard, cross VTSAX off the list.

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They are all basically the same. Main purpose of using different ones is to avoid the wash sale rule

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Nobody can / will coz IRS has not formally defined what substantially similar is. People have their own interpretation of what is allowed .

I am not a CPA / Tax Lawyer / Financial Advisor but have read a lot on this topic (blogs articles etc) and this what I do (my 2 cents), so take it for it is worth

My preferred option - 2 different underlying index
VONE (Russell 1000) vs VOO (S&P 500) - correlation is 0.98. For a 30 day period you can sub in and out and see no difference.

IXUS (MSCI World ex- US) vs VEU (FTSE All world ex US) - both are international ex us funds - issued by different providers and tracks different indices

Some folks suggest wash sale between VOO and IVV. Both track S&P but are issued by different companies. This one seems too close to the line and I personally avoid.

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It doesn’t matter. Invest and hold for the 30 years even if you absolutely know the market is overvalued or you hate the president or congress.

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SPLG, ITOT, SCHD/QQQM

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