VTSMX is the same as VTI, just VTI is an ETF and VTSMX is a mutual fund. For most normal cases, it doesn't matter which you have. Having some international exp

VTSMX is the same as VTI, just VTI is an ETF and VTSMX is a mutual fund. For most normal cases, it doesn't matter which you have. Having some international exposure is fine too and diversifies a little, but historically, as long as you don't sell off during a lull in the market, the US total stock market has performed admirably as long as you can hold your shares at least a few years. VTSAX is the "Admiral" version of VTSMX. Same index, but cheaper to own (they take a smaller amount out of it every year for management fees.)