[Jodi]

I have about $26k coming into an Ascensis simple IRA from a different brokerage that will be liquidated prior to transfer.

I read somewhere last week that due to the tax efficiencies of the ETF vs Index/mutual funds, that we should switch our mindset from “VTSAX and chill” to “VTI and chill”….thoughts?

We already hold VTSAX, VFIAX, VTI and VOO in other accounts from over the years….should I change all of our strategies to focus on ETFs from now on?

[Christ]

In an ira the tax benefits of ETFs doesn’t matter.
What _does_ matter is VTI’s lower expense ratio. Vti charges less than vtsax, so you’ll benefit from that.

And it’s more portable, if you need to move the account again in the future.

[Megan]

Portability and trades immediately vs once at end of day are the two big things.

[Bill]

The only real benefit of etf in a retirement account is portability. You can roll VTI to any brokerage in the future but vtsax is a vanguard product and other brokerages may charge fees to buy or sell it.

That isn’t an issue with vti

[Mark]

Every fund u named is the same long term. Pick one. Having multiple does not make u more diverse

[Kimberly]

Vanguard funds like VTSAX and VTI along with others have the same tax efficiency.

[Author]

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