[majormajor]

What are the pros/cons of the various Vanguard options?

I'm in VTI (TOTAL STOCK MARKET ETF) and VXUS (TOTAL INTL STOCK INDEX FUND ETF) because I believe that's what it's suggestion thing said to me, what's the comparison to VTSMX? And what's the difference for VTSAX at 50K?

[gergles]

VTSMX is the same as VTI, just VTI is an ETF and VTSMX is a mutual fund. For most normal cases, it doesn't matter which you have.

Having some international exposure is fine too and diversifies a little, but historically, as long as you don't sell off during a lull in the market, the US total stock market has performed admirably as long as you can hold your shares at least a few years.

VTSAX is the "Admiral" version of VTSMX. Same index, but cheaper to own (they take a smaller amount out of it every year for management fees.)