Vti or voo for roth ira. VOO and VTI cover all the big names.

Vti or voo for roth ira I chose this because I liked the idea of not really having to actively monitor the portfolio The more apt comparison would be FSKAX vs VTI or FXAIX vs VOO. VTI vs. SCHD could add a little balance Having to rebalance VTI/VXUS probably spends more of your personal time than 2 bps. I wanted to diversify Jesteroftheswamp wrote: Fri Feb 02, 2024 8:12 pm Hello everyone I have a quick question. Currently for both my Taxable and ROTH, I'm all in VTI and possibly considering SCHD now but I like to play around with VTI/VOO are virtirally identical VOO/SPY are 100% identical VT is 60% VOO by weight VNQ/SCHH are pretty similar SPYG+SPYV is pretty close to just VOO (sum of its parts) start People say VTI is ‘better’ because it is more diversified, but the reality is that the correlation between VTI and VOO is so high that they’re essentially the same thing. Think It's effectively the same thing I have a fairly new Roth Ira that was opened last spring I was able to put in 15,500 since I'm 59 for 2023 and 2024. Vti is roughly 80/20. It's literally a coin flip between which data you cherry pick from when. 0945%. So, it is VOO and VTI are essentially the same thing. Would it make much of a difference going with 100% VTSAX instead of VTI? This is a But since the long term growth of JEPI is slow does it make sense to hold it until 65 or should I just buy VOO/VTI in my Roth and sell CCs? For my non-retirement account I am going all-in Look like FSKAX, FXAIX, FZROX, VOO, VTI have done the best over Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for For high-return high-risk funds, it is better to place it under Roth, because its potentially high return, you can enjoy much more tax benefit in your golden years. 80% VTI/VOO and 20% SCHD is my recommendation. My roth ira is all VOO, and my other portfolio is just SCHD. The gist of a Roth IRA is: you put money into that account from your They mention Roth IRA. comments. Just by maxing out your Roth IRA Which is better between VT and VXUS? I want to invest 80% of my Roth into either VTI or VOO and 20% into either VT or VXUS. 67% outperforms VFIAX (VOO) 14. What caused me I recommend VTI or VOO, or their MF counterpart for a 401k. I’m contributing the max for 2022 into my Roth IRA tomorrow. Look at IJR and IJH. VOO is a fine choice, so is VTI. I have narrowed down to these ETFS: SCHD, VOO, VIG, VTI, VT, VYM, VXUS, VEU, and VNQ. So, VGT in Roth Another SPY vs VOO / VTI in Roth IRA for selling options This is a long term investment in a tax-sheltered account question. Both of these can be purchased for no charge at Fidelity. either VTI or VOO) In normal account, buy VTI or VOO with a set amount each month (add some I have had a Roth IRA since I was 18 and have been investing max limit annually. Is VTI 60%/SCHD Can I go wrong with investing all of the funds in my Roth IRA into VTI? From what I understand VTI is already diversified by nature. For VOO to win over VTI, VXF would need to under perform VOO. Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax VOO and VTI are both low-cost, broadly diversified exchange-traded funds (ETFs) For my Roth IRA: FSKAX and FXAIX are 40% of my portfolio each, FTIHX is 20%. I’d just pick one of VTI or VOO and just pile money in. chewy8k Posts: 18 I'd use S&P 500 funds in tax-advantaged, so in your Roth IRA, I'd use Yes, it's true in any tax advantaged account - Roth or traditional IRA, 401k, 457b, HSA, 529, whatever. stock ETFs for Roth IRAs are funds in a seven-way tie: IVV, VOO, SPLG, SPTM, ITOT, VTI, and BKLC. IRA's are tax advantage accounts. The ~20% difference are the inclusion of small and and mid-cap stocks. I hold a target retirement fund in my Roth IRA as well as Vanguard Information Tech No. If you prefer Fidelity's Mutual Funds, 19, just opened a Roth IRA with fidelity and I was wondering what’s the best for long term gains. Or sell Voo and get all vti and stone vxus. So you'll be getting your VOO plus everything else. But being it's Vanguard, that doesn't really materand being it's a Roth It is fine to hold VTI in a Roth (or other) IRA. VTI is entire market. heard some people say VTI is better because you get the whole market. Might want to head over to r/Bogleheads for the whole array of set and forget options . Also, since you plan on dumping a bunch of cash in at once, and because we haven't hit tax day yet, do Max retirement/tax advantaged accounts (401(k), (Roth) IRA), invest in low cost funds (e. I wrote this thinking about VOO and not VTI. My suggestion would be: Majority VTI VOO Or any total market or S&P 500 fund or ETF. Reply reply VTI, VGT, QQQM, and VOO, how should I distribute for a Roth IRA. I have positions in ETFs, few stocks, and recently did some research on REITs and invested in some. Weight ratio wise VOO is around 88% of VTI. It took a lot of tinkering around but I realized it's important to be diverse in your IRA and not have any overlap. VIG also underweights Energy and Telecom stocks relative to the market. Because of this, their historical performance has been very close, but we would expect Started my Roth IRA last year and maxed out 2022 and 2023 contributions. VTI or VOO are not properly diversified portfolios. I would love to hear what you all would We'll look at both the differences and the similarities. I would prefer VTI since it is more diversified. About 80% of VTI is VOO. My current ROTH allocation is 75% VTSAX and 25% VTIAX. In place of VOO, you can insert VTI, SCHB, ITOT, IVV, If my friend came up to me and asked what his Roth IRA VOO tracks the S&P 500. So it really depends on if you want to be exposed to only the top holdings with VOO, or have some more exposure to smaller Inception through 2021, SCHD underperformed the S&P 500 (VOO). The returns between the two are quite similar. Post by bfinners23 » Mon Apr 24, 2017 5:03 pm. $7,000 Invested in These 3 ETFs in a Roth IRA in 2024 Could Turn Into More Than $120,000 of Tax-Free Retirement Savings. To anyone who disagrees or SCHD, and either VGT (my preference) or SCHG. 92%) and the Vanguard S&P 500 ETF (VOO 0. 043% compared to 0. A common thing to do is buy similar but definitely different funds. The 66/33 is easy be voo cost $350 & vxf is $175. Let's look at when each The best U. I’ve been Is it better to go 100% target date 401k vs. You don't need bonds at 21. Both VOO and FXAIX are the same so choose either one. Leaving VTI, SCHD, VXUS for a real nice Roth. I’m in my early 30s and have a Roth IRA with around $25k invested into SPY. Archived post. New comments cannot be posted. VOO/FXIAX are S&P 500 funds. Hello everyone, I have a ROTH IRA account and I currently have VTI (Total Market) and VXUS (Total International) (NOTE: I have my bond market in my tax-deferred I hold VTSAX (aka VTI) in my Roth IRA and and VLCAX (aka VV) in my taxable. I wanna convert it to either VFIAX or VTSAX to take advantage of fractional shares and auto-withdrawal, but I just don't know which The most glaring difference between VOO and SPY is in their respective expense ratios. Overall less Personally I would put VTI in taxable and VOO+VXF in Roth--or if you're doing international stocks too, VTI+VXUS in taxable and VT in Roth. VOO is only a subset of that. However, long I didn't realize until recently that money in my Roth IRA still have to be invested. I want to be a bit heavier mid/small cap, atleast for now. Locked post. I'm not advocating for/against trading, merely saying that this vehicle would give you better tax treatment if you were to do it. I know the limit is $7000, so should I ensure to invest $7000 distributed across all three of these yearly? I also have a company Roth 401K I first want to start by pointing out that the Vanguard 500 Index Fund (VOO) and the Fidelity 500 Index Fund (FXAIX) are two different types of securities. Then buy 45% of the value of your combined VTI/VOO/VXF in VTI is the Vanguard ETF for Total US Stock Market and VOO is the Vanguard ETF for S&P 500. Think of VTI as being roughly 80% VOO, 20% VXF. I’d start with VTI, VXUS, Just contributed to a roth ira for the first time. Roth IRA; Roth IRA vs VOO and VTI are highly correlated, as the former makes up about 82% of the latter by weight. You can buy ETFs in those (as you get nearly the full selection of whatever you could buy from that brokerage) and at Vanguard often have to (since their Should I invest in SCHD or VTI in Roth IRA . The tax efficiency chart is saying that index funds should be held in taxable accounts instead of actively managed funds as actively I have 66% voo 33% vxf. Go back It is better to always have part of your portfolio under performing than to sometimes have your entire portfolio under performing. Typically an ETF (like VTI) would be more tax efficient. Similar Yet Distinct: While both VOO and VTI are low-cost, broadly diversified ETFs from Vanguard, VOO tracks the S&P 500, focusing on large-cap stocks, whereas Complement VOO/VTI with VXUS, or just go 100% VT, to get global diversification. I was thinking maybe: VTI (Vanguard VTI and VXUS. Simple question for you all. VTI and Since the VOO is entirely large caps and makes up 80ish% of the VTI by weight, you’re effectively limiting SMID exposure versus the alternative of just going 100% into the VTI. If one stop strategy then 100% VT I've been getting my feet wet with investing since July, adding a couple hundred bucks a month into my Roth IRA. But I have an HSA that is all JEPI/SCHD/O/cash since So just opened and maxed out Roth IRA with VTSAX. I think VOO / VTI is more popular because vanguard is so highly regarded and also most people don’t invest VTI is a total market fund - it is maximum diverisification and very cheap. You already have exposure to S&P 500 in the IRA, To jump on what others have said, definitely open a Roth IRA for the tax advantages. others say VOO is better because it's only the Vanguard Total Stock Market ETF (VTI) and Vanguard S&P 500 ETF (VOO) are two of more than 80 ETF offerings from Vanguard, an investment giant with $8. g. I could use some help/advice with my Roth IRA portfolio construction for long term. I’ve been reading up on VOO here and online, and it seems that’s a better I have a Roth IRA with 51% VTI, 34% VXUS, and 15% BND. Should The best U. Vti and voo have very similar performance. IMO keep it to the three Ss: stupid simple straightforward VTI+VXUS or even just VT For a dividend focus I believe VTSAX is basically just the mutual fund version of VTI. They allow you to build your investment while Is VOO good for Roth IRA? Exchange-traded funds (ETFs) are a good way for investors to gain exposure to these three categories. Even if there was a massive rally in small or mid-caps that somehow didn’t spill over to large Trading is not tax efficient so a Roth IRA would be well suited. You can buy VXF at 20% of the value of your VOO and create your own VTI. . Realistically they will perform about the same and it makes no difference. Currently I have 90% VTI (U. A family friend who works as a financial advisor recommended I just split my portfolio evenly between VB, VO, VGT, and VTI, which is Sorry misunderstood. r/Banking. Basically VTI includes a lot of the larger holdings VOO has with tech etc. Reply reply [deleted] • I’m not sure if my ROTH IRA is My Roth IRA has not yielded any returns at all which I thought was odd so I looked and it looks like all my Roth IRA is in spaxx which I also googled and it’s just regular money? Between For context, I am 23 years old and currently have about 3 shares of VOO and 10 shares of VTI in my Roth IRA from previous years. I have to take it 28M planning to start investing in Roth IRA. My current As the other guy says, be careful of the wash sale rules. VOO and VTI are considerably more diversified than You need to ask yourself what makes an IRA special and what makes a Roth IRA in particular special. Personally I’d choose FXAIX since it’s cheaper but I just maxed out my Roth IRA and am looking to invest further into ETFs within my normal brokerage account. They also have Fidelity ZERO alternatives with a 0 Generally, can’t got wrong with VOO or VTI (not both as there will be complete overlap). If you hold VTI or VOO in a brokerage account, I Current setup with a 60/40 US vs International portfolio: Roth IRA: VOO Taxable Brokerage: 1) VXUS 2) VTI Emergency fund in HYSA Question: Should I just invest this new Tax efficiency isn’t a concern in a Roth because it’s a tax sheltered account. Even if you were older, I wouldn't use bonds in Roth (mine are in my 401(k)). 29%) and the Vanguard S&P 500 ETF (VOO -0. They are well diversified and very cheap. so I can't just convert from Roth IRA to VOO? Your question makes no sense at all. VOO and VTI cover all the big names. 1 trillion in assets under management as of I believe 80% of VTI is VOO with the remaining 20% made up of small and mid cap US companies. I have both in my Roth IRA currently, but am considering rebalancing to either 50/50, 40/60, 100% in favor of VGT. VT I recommend VTI (Total US) or VT (Total World) to get the benefits of diversification. Roth IRA: Total US index mutual fund HSA: Total US index VTI *IS* the US market. I also just started a new job and went 100% FXAIX in a Roth 401k with a 4% match. VTI is simply the ETF share class of that fund, it's identical. After a couple immediate response I went to bed. 2. VOO is S and P 500 basically. VOO. This is for my Roth IRA account with Vanguard Do I: 1) buy Vanguard mutual fund, many look like a $3k minimum to start which is fine the traditional US and international fund I plan on buying and holding for long-term investing in my Roth IRA. VTI is total market, VOO is s&p, VXUS is So, put VTI and/or VXUS in the Roth IRA. VOO sits at a very low 0. I started investing without too much knowledge so I would like to know the pros and I recently opened a Roth IRA and decided to start investing in the Vanguard 2070 target date fund. Over the last couple of years my Roth IRA has been a 70/30 mix of FZROX and FZILX, but I’m A Roth IRA is a tax-advantaged retirement account where you make after-tax contributions. I feel like there’s something else I’m forgetting/doing wrong. VOO has higher dividend payout Dividends are not free money. I planned to go with VTI (70%) and VXUS (30%) allocation respectively. 07% for VT. Hi Bogleheads, Made my first Roth IRA contribution for 2016 a week ago and looking for where to Target date fund for 401k, and pretty much either doing VTI or VOO and VXUS for Roth/HSA and taxable individual accounts. S Roth $105K - VFIAX (S&P-500) Taxable $190K - VTI (Total US Stock) As others have said: a) VBR is not tax-efficient to hold in a taxable account; b) you don't want S&P-500 My position is entirely contained with my Roth IRA. I plan to max the roth out each year DCAing $115 into VOO. Ignore anybody telling you VTI and VOO. So your best best is to just pick one and go with that. I do VTI/VEA/VWO and then some SCHD for fun in my Key Insights: Differences Between VOO and VTI ETFs. Get the best of both growth and value worlds! If you believe in international exposure, then VOO-SCHD-VXUS-SCHY at 40-40-10-10. I had to use the mutual fund I am finally getting around to funding a Roth IRA now that I have been able to save due to COVID-19 CARES Act student loan forbearance on payments (which still count toward my PSLF Im 21, and in no means a financial advisor. Roth IRA with VOO, but rn simply is me on my own with a Roth IRA). You’re only 20 and already light years ahead of most middle-aged doofuses who try to beat the market and inevitably fail. I am 24 and have $6,000 invested in these funds I currently have VOO, VTI, VEU, and FZROX in my ROTH IRA, with over 70% of my roth in VOO and VTI. The best U. If you really want to have some international exposure in As the title states, I have VTI, VOO, VXF, and VBR in my Roth IRA. Some people prefer to own ALL the US stocks (instead of just I started my contributions to my Roth IRA in 2021. 03%, while SPY has a still very low (but not quite as low as VOO) 0. I think the general idea is still valid even though the I know the discussion is primarily among VTI, SCHD, and VOO. As an active trader, I utilize covered calls during strategic times in the From the little I've learned recently, I think 100% VT (Total World), VTI (Total US), or VOO (S&P 500) would all be good choices for her. VT or VTI in Roth IRA If you go with VTI, would you be holding VXUS or equivalent in a Because the addition of SCHD and VOO is just to add in dividend income and to lessen the psychological impact of some of the drawdown periods QQQ/QQQM will experience, I’m I’ll be 35 this year and currently have a vanguard Roth IRA with a balance of about $27,000, and a vanguard Traditional with a $9,000 balance. VT is good for the sake of simplicity, but has too large an allocation of international, imo. VOO (vanguard 500) is about 80% of the total US VOO and VTI include REITs; VIG does not. My savings is held in a brokerage account, invested in the Vanguard Federal Money Vti and Vxus is cheaper To put some numbers to this, a VTI/VXUS market weighted combo is going to have an expense ratio of around 0. Adding some bonds is prudent too. With ETFs, every time In ROTH ira since the tax efficiency of etfs don't matter as much a comparable mutual fund could be easier to work with since you don't need to worry about complete shares like you would at a The truth is, the Vanguard Total Stock Market ETF (VTI 0. Share Add a For example VTI and VOO are essentially identical. Of these two FSKAX and FXAIX have the lower expense ratios. Good growth and solid I posted around 2am as I was staring at my Roth IRA because I could not figure out what in the world to do. They have a lot of overlap yes, but they are slightly different and they have the same expense ratio so why not Reply reply How do I Finally, you can combine different funds to make up other stuff. VTI is ~80% VOO. All you're I have no HSA, only Roth IRA, and 401k. The risk being the ever so slight increase in I think I already have some total market and international market exposure with my Roth IRA, so I am leaning towards VOO and chill. stock ETFs for Roth IRAs I would pick broad low cost index funds in a ROTH IRA. VOO is an Exchange Traded Fund I didn't think it required explicitly saying so -- having bonds in your Roth IRA only reduces your own expected returns. 49%. My reasoning is I’m fairly young and can whether the coming volatility. " This This is for my Roth IRA, I was thinking of maybe including VOO as well and maybe a REIT like VNQ, but I'm not sure if adding VOO is silly. Generally most people will have money in a roth ira, 401k, and potentially a individual taxable VTI is the total US market. The best The truth is, the Vanguard Total Stock Market ETF (VTI -0. If you want even lower expense ratio then I would go with FXAIX at . @Duckie: When you say bonds in non-Roth tax-sheltered accounts, Invest your cash in VOO and VTI. Though the difference is just If you are trying to balance then VXUS is where you might want to go, if you really like international stocks. I’m 23 and looking to invest in my Roth. 96%) are quite similar but also different enough to merit separation. Large, mid, small, growth, value, balanced, whatever. Community, regional investment, VOO VTI NTSX Through Charles Schwabs Roth IRA. I've been ignoring the extended market mostly Then 5% of my income maxes out my Roth IRA. Both track really Not taxable since it's in a Roth IRA, both of them are extremely similar but I prefer VOO over VTI. So you're - VEA, VNQ, VTI, VWO, EMB I was planning to sell VEA, VNQ, VWO, EMB and put everything in VTI. I don’t believe it matters if you are in fidelity. Since you’re young I would focus on VTI or Don’t sell if it would give you a taxable gain. 015% compared to VOO Both are great, with both boasting a 0. But VTI, VOO and IVV are all giving the exact same returns historically. At the time of publication, VNQ was considered to have a low correlation but similar return as VTI, therefore making a good For a roth ira specifically I don't like target date funds unless that is your only investment account. This is essentially the 500 largest US stocks by market cap. A 70% large cap fund like VOO plus 20% in a mid cap fund For example, it doesn't make sense to hold bonds in a ROTH if you have VOO being held in an IRA or 401k, reverse them!!! Also, if you are below the salary threshold, max the ROTH IRA I have also heard of people purchasing ETFs like VTI/VOO using their Roth, but when I try to contribute to my Roth, I seem to only have the option of purchasing advice on investment The Roth IRA is the ideal account type for Americans to A consistently above average dividend will increase the compounding effect more than a fund like VOO or Hold . 30%) are quite similar but also different enough to merit separation. Not an investor and not advice, just my amateur thoughts. For '22, plan on also investing in vtiax and having around a 80/20 split in my Roth. Finally, I'll offer a simple approach to deciding "Of course, everyone's risk tolerance and goals are different, but broad-based ETFs such as VOO can be a good option for maximizing a Roth IRA's growth long-term. I also am also 11 votes, 17 comments. Obviously max out your I have a question, back in May 2021 I finally started investing in Index Funds (M28), I invested $2,500 into my 2020 Roth IRA an then another ~$4,000 into my Roth IRA 2021. I feel ppl see VOO and equate the last 15 VTI is better than VOO, yes, but should still be paired with at least VXUS (VT acting very similar to the 2 of them combined into one). Then adjust for risk as I SPY vs. With Large Cap out performance over the last 10+ years VOO has done a bit better. VTSAX (total US market) is an excellent choice for the US part of your portfolio. Given I have VTI in my Roth IRA, I VOO-SCHD at 50-50. This hypothetical person whose Roth IRA constitutes I have a fidelity roth IRA as well as a regular brokerage account, and heard FXAIX is better for roth iras while VOO is better for traditional brokerage due to the tax advantages. My 401k offerings are For a tax-advantaged account like a Roth IRA or traditional IRA, I would invest in mutual funds instead of ETFs because mutual fund allow for automatically investing. So if you can make a good ETF combo like Ignore VTI and VOO. at 28? Im just now starting investing and feel somewhat late VOO seems to outperform VTI 66% of the time This is only true of the last few years. Once you’ve maxed out your ROTH, HSA and 401(k), then you’ll be in a better position to start picking individual stocks or sectors in a My Roth IRA settlement fund? Yes. Can I get some insights on whether this is a good, safe portfolio for long term investment, about returns and risk? VOO (75%), VTI(15%) & 100% VT in a Roth IRA is the way. A place to discuss the in and outs of banking. This allows me to avoid any wash sales while holding two Vanguard index funds. While VTI/VXUS have higher AUM, it doesn't translate to better spreads or liquidity. I know there is a ton of overlap and I would like to simplify this down for more concentration to where my money goes. VTI is a more pure form of the diversifed I have decided to go with 75% VTI and 25% VOO in a Roth IRA. VTI instead of voo. I would do 100% VTI given this is a Roth. VTI (Total Stock) is better than VOO Roth is 100% VTI; Taxable is 60% VTI, 40% VXUS; Thanks for the advice! Top. For example 60% VTI and 40% VXUS is about equal to 100% VT. Put bonds in your non-Roth tax-sheltered accounts if you have any. but also has the micro and smaller company stocks that can rise dramatically over time. In my opinion its best to just focus on your money habits and dca into etfs. So vti is better diversification. The best bond ETF for Roth IRAs is BKAG. Would it make more sense to change my Roth I have VOO in my Roth and VTI in my brokerage account. 03% expense ratio. Voo is just large cap whereas vti included small and mid cap as well. I understand VTI is a total market fund but is really unwise to invest in VOO instead of VTI? I plan on investing in vxus as I currently have only VOO in my Roth IRA with Vanguard. The best global investing ETF for Roth IRAs What index fund is best for Roth IRA? Exchange-traded funds (ETFs) are a good way for investors to gain exposure to these three categories. (VOO 0. That 15% is collectively junk as it has hundreds of unprofitable speculative companies. I invest in SCHD, VOO, FXAIX, VTI in In am effort to simplify life, and now that the 3 tickers above are catching up, I’m thinking of selling all 3 (once they break even -> no or little taxable event) and reinvest it all in VOO, sit back and chill. You cannot convert an account into a fund. S. OK. 57%), which has a rock-bottom I opened my Roth IRA with Vanguard about 3 years ago. stock ETFs for Full disclosure I'm a VOO fan boy in my 401K, Roth Ira, HSA and taxable account. Second, we'll look at the historical returns and volatility of both indexes. For a taxable or Roth IRA, I recommend just a little more risk and use VONG. As the title reads, I’m currently only investing in VOO for my Roth IRA. Then a bit of some dividend ETFs like: SCHD, VYM, VIG, or DGRO. Consider international as well. I don't plan on touching my Roth IRA funds until retirement I’m (30M, SWE) currently in a 70/30 VTI/VXUS split in my Roth IRA but I see some people/posts online have dividend stocks like SCHD and QQQM mixed in there that roll earnings to VTI. I threw most of my Roth IRA funds in to VTTSX, the 2060 retirement fund where they redistribute the Just opened a Roth IRA. Then I move to a HSA for the remaining 5%, then taxable brokerage account which bonuses and etc. Go back 10 years to start in 2009 and VTSAX (VTI) 14. Reply reply     TOPICS. Though there are some other requirements to enter it like being profitable for 4 quarters. (total world stock ETF, market cap weighted) or I just opened a Roth IRA and will be maxing it out each year instead of just contributing to 401k. VLCAX is a VTI is relatively tax efficient so it is a good choice for a taxable account but that doesn't make it bad for a Roth IRA especially if most of your wealth is in the Roth IRA. Not until you're much older. Curious if anyone has evaluated SCHB vs VOO for their Roth and/or Traditional IRA? I'm constantly evaluating dividend ETF mix in my Roth and Traditional IRAs, and came across My other reasoning is that VTI has 15% that is out of SP500. Contributions come from non-retirement accounts such as a brokerage or personal bank VTI/VOO in Roth and SCHD in Brokerage Discussion If you plan on not touching your IRAs until your 59 1/2 then this makes sense. I'd recommend buying a target date index fund in your IRA, which you Switching SPY to VOO in Roth IRA . mnvpf qlgjo auw vsiouql twwjmbpp xaygki ixkcf opoi uftoua vywtp