INVEST IT
Create a one-and-done portfolio.
The slogan âVTI and Chillâ has reached meme status on Reddit, YouTube and other websites. It suggests that all you need to do is stash money in Vanguardâs Total Stock Market exchange-traded fund (symbol VTI) and then leave it untouched. Variations substitute Vanguardâs S&P 500 ETF (VOO) or its Total World Stock ETF (VT). The index funds make fine core stock holdings, though the meme arguably takes a simple, buy-andhold philosophy to an extreme.
Jon Luskin, a San Diegoâbased certified financial planner, says to truly âchillâ over a long investment horizon, choose a target-date fund, which adds bonds and cash to the mix and automatically becomes more conservative over time. He likes iShares LifePath ETFs. The series of 10 funds charge an average 0.1% in annual expenses; returns for six of the 10 rank in the top 40% of their categories for the year to date through September.
Take a moonshot.
Consider a âmoonshotâ on a high-risk but potentially rewarding investment on the bleeding edge of technology. Limiting your investment to $1,000 is a good idea with these more-speculative offerings.
One literal moonshot stock is Rocket Lab USA (RKLB, $10), which launches satellites into space. As a pioneer in the nascent commercialization of space, Rocket Lab is not yet profitable. But CFRA Research analyst Keith Snyder notes the company has a $1 billion order backlog. He projects revenue growth of 73% in 2024 and 38% in 2025. On average, analysts who follow the company expect it to reach profitability by 2027.
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