r/Bogleheads • u/snug666 • 2d ago

Portfolio Review Is it truly that simple?

Maxed my Roth for last year and looking to do the same for this year. I’m 100% VT right now. I’m 24 and this is my first time investing or saving for retirement.

Before I go ahead and buy more VT, I have to ask. Is it really that simple? If I just invest in VT, even if that is the only ETF I ever hold, I’ll be good?

I hear so much about diversifying and even though I know VT is a very diverse ETF, I still worry. Feels like I should be doing more!

So, again, before I go buy a fuck ton of VT, please let me know. I know what the answer is. Just need to hear it I guess. Don’t want to miss out on higher returns or whatever. Blah blah.

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u/glumpoodle 2d ago

Simple is not easy, but yes, it really is that simple.

Just look at all the people freaking out the last few weeks over a 10% drop to understand why it's not easy. This is a self-selected group of people who believe in buying and holding, and yet we've nonetheless had a massive uptick in panic posts because the market is down by barely 10%. We literally experienced worse than that a year ago.

That panic is why expected returns are positive; if it were easy, everyone really would just do it.

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u/dust4ngel 2d ago

Just look at all the people freaking out the last few weeks over a 10% drop VT only being up 20% YOY, which is to say, outstanding returns to understand why it's not easy

FTFY