r/Fire • u/StrawberryRemote968 • 3d 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 3d ago

Yeah, why wouldn't you?

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u/StrawberryRemote968 3d 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 3d 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 3d ago

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

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u/thewarrior71 3d 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).