▲ 3 r/Bogleheads
21, probably my last year of low income (hopefully lol), do I sell VOO and switch to VTI now?
My portfolio is a Roth IRA and Taxable account with about 80/20 US/International with about 30% of that in VOO (The rest VTI/VXUS). I started investing when I was 18 and didn't have that much boglehead knowledge so I just started with VOO. Is it smart to switch it to VTI now while I'm in my last year of university?
It's a large enough position that there are meaningful gains involved, so I don't want to create an unnecessary tax bill by doing this wrong(also am in no tax state).
I'm graduating at the end of 2026 and I'm not very knowledgeable about tax optimization, so if anyone has advice or good resources on how to approach this I'd really appreciate it.
u/Direct-Ambassador986 — 1 day ago