Vanguard Total Stock Market ETF Wins Retiree Backing With 3,507 Stocks and 0.03% Fee
Updated
Updated · 24/7 Wall St. · May 17
Vanguard Total Stock Market ETF Wins Retiree Backing With 3,507 Stocks and 0.03% Fee
3 articles · Updated · 24/7 Wall St. · May 17
VTI is pitched as a core equity holding for modern retiree portfolios, offering broad U.S. stock exposure through 3,507 holdings at a 0.03% expense ratio.
Longer lifespans, higher medical costs, inflation and tax changes have pushed many advisers beyond the old “100 minus age” rule toward higher equity allocations such as 60/40, 70/30 or even 110- and 120-based formulas.
VTI tracks the CRSP US Total Market Index, spans large-cap to microcap stocks, and concentrates its biggest weights in megacap names including Nvidia, Apple and Microsoft.
For retirement accounts, the ETF is presented as especially useful in Roth IRAs for tax-free growth and as a flexible source of RMD-related sales because its dividend is relatively small.
The 4% rule's creator is selling stocks, yet advisors say buy more. What is the right move for retirees now?
As old retirement rules fail, what makes today's new investment advice any more reliable for the long term?
With healthcare costs projected to consume Social Security, can any investment strategy truly secure your retirement?