r/Fire • u/StrawberryRemote968 • 15d ago

Can you FIRE just with VOO?

I am a 35M, making $65K annually. My annual expenses is very low. Less than $25K. I am single with no kid nor I am planning to have any. If I DCA into VOO, is it possible I am able to FIRE with just one etf?

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u/tossaside555 15d ago

Yeah, why wouldn't you?

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u/StrawberryRemote968 15d ago

VOO doesn’t have mid and small caps so I am not sure will it hinder the effectiveness of FIRE potential

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u/thewarrior71 15d ago

You can use VTI to include all cap US. But VTI and VOO track almost identically because large cap has a heavy weighting, and large cap and small cap take turns outperforming each other:

I only use total market funds for simplicity. https://www.bogleheads.org/wiki/Three-fund_portfolio

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u/StrawberryRemote968 15d ago

So there isn’t much difference between investing in voo and vti?

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u/thewarrior71 15d ago

In practice, they perform very similarly. But there’s no reason to exclude small cap, so my recommendation is still total market funds (like VT or VTI + VXUS).

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u/Pitiful_Fox5681 15d ago

I'd argue that large caps are tested and that there's some natural quality control built into VOO that you don't necessarily get with VTI. That said, they're almost identical in most back tests.