Investing General Discussion

Sanrith Descartes · 2025-09-17T15:33:23-0400

Gravel said:
Yeah, thinking I'll move over to an S&P index instead of total market. It does the same thing (self cleansing), but eliminates all the small caps that don't do shit anyway.

Initiated the transfer just now, although I thought I could do the traditional and Roth same day, but looks like I can only have one pending action.

So now I've got a large sum that should get sold off tomorrow, and then sit in limbo for 10-14 days.

I love the idea of the total market (I used ITOT). Sadly though it just perennially underperforms the SPY. Like in nearly every time frame I examined. I ended up kicking it the curb.

Gravel · 2025-09-17T15:47:04-0400

Sanrith Descartes said:
I love the idea of the total market (I used ITOT). Sadly though it just perennially underperforms the SPY. Like in nearly every time frame I examined. I ended up kicking it the curb.

Huh, that's interesting. I figured in some years mid and small caps would do better and then the total market would win out, but I guess since the index also carries the large caps, you're not only getting the winners. Which would mean in the years where large caps are the winners, it's significantly higher than the small to mids, and so total market just never is the better option.

Which is what I've seen the last decade or so. The ones at the top are carrying the weight of it, and as they go, so does the rest of the market. I'm not ballsy enough to just go QQQ, but I think SPY might be sufficient.

Sanrith Descartes · 2025-09-17T15:52:37-0400

Gravel said:
Huh, that's interesting. I figured in some years mid and small caps would do better and then the total market would win out, but I guess since the index also carries the large caps, you're not only getting the winners. Which would mean in the years where large caps are the winners, it's significantly higher than the small to mids, and so total market just never is the better option.

Which is what I've seen the last decade or so. The ones at the top are carrying the weight of it, and as they go, so does the rest of the market. I'm not ballsy enough to just go QQQ, but I think SPY might be sufficient.

Total market isnt a dog, nowhere near. It just barely underperforms, but its an underperformance if you are min/maxxing. !0-year chart.

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