[Spooky23]

The problem is it will create a broader economic problem in the markets.

The top 10 holdings for VTI, the "easy button" investment option. Are: NVIDIA, Microsoft, Apple, Amazon, Facebook, Broadcom, Google, Tesla, Berkshire Hathaway. They represent a third of US market value, and 60% of them are heavily hooked into AI. A panic will be a decimation for NVIDIA, and that splash zone will be broad.

[CGMthrowaway]

$RSP (equal weighted) solves that

[Spooky23]

Totally! You can also use something like VIG or VDADX if you're restricted in terms of offerings.

I personally account for that in my planning. But many folks have their money in 401k funds in generic broad market securities -- often with high fees on top of it!

[thunky]

> You can also use something like VIG or VDADX if you're restricted in terms of offerings.

How is that? RSP and VIG look very different.

[Spooky23]

VIG omits some of the high flier growth stocks that pay no dividend.

[thunky]

Ok so they sort of have something in common...but I'm not sure it's good advice to say one can be used to replace the other due to their very different overall strategies.

[Spooky23]

Fair. I should have qualified more clearly that I meant for retirement accounts where you have limited options.

RSP definitely performs better and doesn’t shut you out of the growth stocks.