Starting investing with IB

Short answer: no. Warren Buffet’s inherited money by his family will go to VTI by his recommendation.

Long answer: it depends on your taste. Some people (e.g. Burton Malkiel) will sat that it’s better to diversify globally and they would recommend few funds to replicate world market capitalization or just one that already reflects it (VT ETF). I’m on this side and many on this forum are also choosing this option.

It is usually better to go all in, but if the psychological cost is too big, then fragment it to feel comfortable. Remember that if you go all in and the next day there will recession you will lose -50% of the value. You’ll wait few years to regain the value and you’ll lose most likely the best opportunity to invest (that’s why I prefer to invest in regular intervals). If you can live with this, then go all in. If you can’t, fragment it.