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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
Both are fine. VOO allows for easier trading. If you don't need that, FXAIX *may* provide marginally greater returns.
Ask it why invest FXAIX over VOO and Vice Versa. Tell it to give it pros and cons… see how I’m doing this? Since you’re 18, continue to invest a little bit at a time and let it compound YoY for many many years.
Moving forward, use ChatGPT to answer your own questions (not trying to be rude). Investing in VOO (Vanguard S&P 500 ETF) is a popular choice for many long-term investors, and here’s why: 1. Broad Market Exposure VOO tracks the S&P 500, which includes 500 of the largest U.S. companies across various sectors. This gives you instant diversification in a single investment. 2. Strong Historical Returns The S&P 500 has averaged 7–10% annual returns after inflation over the long term. While past performance doesn’t guarantee future results, it has been one of the most reliable long-term wealth builders. 3. Low Fees VOO has an ultra-low expense ratio (0.03%), meaning you keep more of your returns compared to actively managed funds. 4. Passive Investing Advantage VOO follows a passive strategy, meaning it doesn’t try to beat the market—it is the market. This typically results in better performance over time compared to many actively managed funds. 5. Dividend Income VOO pays quarterly dividends, which can be reinvested to compound your returns or taken as passive income. 6. Liquidity and Accessibility As an ETF, VOO trades like a stock, so it’s easy to buy and sell on most brokerage platforms.
VOO but I would sit back and wait a bit longer. We are about to move lower in a few weeks/months as the market goes into a bigger correction.
VOO and FXAIX are very similar.. instead of looking at daily graph.. looke at 3 months to 5 year graph VOO is an ETF -- it's an index fund like FXAIX but you can buy and sell like a stock i day trade VOO pretty much.. since i don't like the risks of single stock and i don't like how i can only buy/sell at the end of the day with FXAIX
bears make 700 on puts, buls make 7 dollars on their 2 shares of VOO
gates wasn't "diversifying"; he was funding his foundation. it wasn't like he swapped his Microsoft stock for VOO. it also wasn't "the right call" for him considering he'd be a trillionaire.
Nope. We not talking about me. The largest is just auto weekly in VOO though, but I do lots of stuff. Some wise, most just fun. But this is my industry. And I never plan to retire. I will work until death. I love what I do. I help people save and grow wealth. It’s easy work, not demanding. I talk money all day in person or on the phone. I will be late to a meeting and hopefully two crying females realizing the morning wood will be a waste. Lol
I don't necessarily disagree with you. That just doesn't work for me. How old are you? Do you have everything (other than your annual spending) invested in VOO?
Meh. Buy VOO weekly with whatever budget you have. Sell when you have something urgent to pay for. If that is 30 years from now, you know you need 30k for expenses, sell at a set time of the year. Put in SGOV u til you actually spend. Do the same thing thing the next year
Go to your website. Search historical performance. Then click the compare to benchmark button, set to sp500. If your graph is way above the sp500, keep doing what you’re doing, listen to no one. If you’re way below the sp500 graph line, you should’ve just VOO’ed and chilled. Best of luck.
You're so right, lol. Yes, I am pretty much just VOO/VXUS with some Avantis funds. Okay honestly I am happy to get checked by you guys.
I got out on a few things and got back in briefly thereafter. I was too heavily invested in the S&P 500. I had a whole bunch of VIGAX index fund through Vanguard and I also had added right at the peak of maybe end of January a whole bunch of VOO and VOOG I sold the ladder for a little bit of loss once the heavy drops came in March and had been stocking up on some LNG and oil related stocks that are in good shape making me money fixing to pop ET and VG by year end, if not sooner, I will have easily recovered all of my losses with the two energy stocks, and the dividends will be nice as I am recently retired Oh, and I’ll almost forgot. I also purchased some SPYI at a really good price after it had to drop significantly. I think I bought in on it about a month or so ago. It pays a nice dividend also
I invest a set amount, like $500. It used to be $400 VOO and $100 VXUS. Now I still invest the same amount it's just $250 each.
Well boys, I think it's nearing time for 🌈 🐻 to start it's reign finally. It's been a painful few weeks for us bears, ngl. I had hoped these morons 🐂 would get us to 575 SPY but the couldn't even do that. Adding stop loss sales for 401k VOO shares to about 3pts below current, gonna liquidate it all.
I've heard of VOO and chill. But "VOO and keep my left testicle" is a new one.
Definitely agree about the tax loss harvesting, that’s why I’ve never done this but I found a platform that has this structure for free and doesn’t take an AUM fee or anything. I’m mostly just wanting to invest in companies based on size but I hate not being able to modify things in an ETF like VOO or QQQ even a little, so this version of “direct indexing” seems to let me self manage as much or as little as I like while still being exposed to like 70% or the market cap of the S&P 500 anyway. Thanks for the advice!
Most data illustrates that trying to outperform the market on a long-term basis ends up in loses more than 80% of the time. Something like VOO or VTI makes life very simple. The only thing I did tons of homework on was Bitcoin and it was the best financial decision I've ever made.
Probably would be better off just buying VOO and letting it sit than either of them.
You are trading for the sake of trading. Hopefully this is is your rock bottom, learn the fundamentals. Matter of fact - don't learn the fundamentals. Work your job and buy VOO. This loss isn't that big - but you had better odds getting your money back just gambling on pull tabs at a bodega.
Robin Hood might be unpopular, but I like that I can dollar cost average literally a dollar at a time. So let's say somebody has $200 a month to invest. They could just throw it into VOO or FXAIX, but if they want to buy individual stocks, they can DCA $10 a day spread out over their favorites
I think i explained my point very clearly; "You were all tricked into thinking that YieldMax is an amazing investment because MSTY paid a $4 dividend for two months because the underlying stock was up by like 400% in a year MSTY tracks MicroStrategy which has a market cap of $60 billion and only $120 million in revenue last quarter. Their market cap is entirely contingent upon the value of bitcoin MSTY's success is based upon synthetic covered calls on an unprofitable tech company who's market cap is entirely dependent on the value of bitcoin You could not possibly have a riskier long term investment, and you are currently seeing exactly what happens to YieldMax in a bear market. You lose 30% in a week and YieldMax management continues to collect 1% regardless AND you are still paying a 1% management fee and taxes on dividends that you are reinvesting into a continuously depreciating asset You should cut your losses and buy 50% VOO and 50% SCHD YIELDMAX IS A TERRIBLE INVESTMENT. I was telling everyone two weeks ago, until the MODs banned me"
SCHX is the top 750 companies. As it's market weighted it's very close to the S&P500 and I would consider it effectively interchangeable but it's not quite the same thing. Schwab doesn't have a S&P500 ETF. But if he's with Vanguard anyway he could just do VOO (or better, VTI which is the whole market, or better yet, VT which is world equities).
yep. all from options trading. I have made more than my stocks and ETFs have ever grown. and I started investing in 2017. blue chips and strong ETFs like VOO. but me trading options has made much more money
I actually came out ahead for the most part, but now the problem is getting back in. All of the conditions that led to my decision to get out still exist, the only difference is that prices are lower. So it's not really clear what the next move is. That's why I've just been buying VOO every week. I would have made more so far had I just lump summed back in when I decided to DCA, but I'm still very cautious.
yep. I continued my DCA practice of selling CSPs to bring in cash and potentially add to my existing positions. So yeah I made both cash and acquired more shares at lower than ATHs. Whether the dip continues or not doesn't really matter to me. I only care about if the companies themselves have completely changed their business models. And the answer to that is no. So what if AAPL shifts from china to India they are still doing what what they were and making the same products. MSFT is still creating software and applications and AMZN is still the biggest online market in the world even if the cost of goods increases because of tariffs. Those companies aren't going anywhere and to think they won't eventually have new highs in their stock price in the future is just naïve. So yeah I'm willing to hold onto their stock while using new cash as collateral to potential buy more of their stock. And if I end up with more cash than I need for collateral I either buy an etf like VOO or put some in treasuries to hold for volatile times like this.
Kinda? I sold a bunch of over exposed stock right before the bottom fell out. I've been DCA into VOO for the last several weeks. But idk where you're getting data that things are back to where they were. A quick look at a S&P 500 chart shows that things are still massively down.
Loaded topic… I personally spent years backtesting hundreds of strategies (writing Python code and using a variety of frameworks) on thousands of assets until I found various algos that are consistently profitable. If you don’t know how to code, stick with VOO and chill
Hey, 7% is still better than the -3% YTD currently for VOO. Nothing to sneeze at!
Fidelity. Robinhood. Even Cashapp. They allow auto investment and support fractionals. The broker and platform to a certain point don’t matter. It’s like gyms, they all have weights, treadmills, stuff. Brokers have stocks, bonds, mutual funds, etc. You’re probably better off with VOO or QQQM though. Dividends are not free money. Google that phrase. Best of luck.
I can almost guarantee you that Jim Cramer's past 5 year return is better than Ark Innovation ETF. I was right, on May 5 2020 to May 5 2025 Ark innovation has lost 0.92% over those five years. Considering you can get over 3% in a high yield savings account per year I consider anything less than 16% return over 5 years to be pure failure. If you put $100,000 into ARKK you would have lost $920, but if you kept your money safe in the bank you would have made at least $15,000 (these examples don't take fees and taxes into account). The VOO etf in that same timeframe of March 3 2020, to March 3, 2025 has made a gain of 100.41% as per comparison on Google Finance charts. To summarize the fastest growing stock market in decades and Cathie Wood could not turn a profit over 5 years! How embarrassing for a so-called professional. I consider myself the average investor, and even I have beat her return. If Jim Cramer had an etf it would most likely be doing better than ARKK is now.
Historical 30yr returns for VOO or SPY has been 10% so not sure why you use 7%. And if someone chooses to take your advice today and buy a house instead of renting where are they getting a 4% rate? Or is this only apply to people who currently rent/own their home? If someone did what you did and now has a 1.5M paid off house is it cheaper to stay in there or sell and rent? 1.5M invested conservatively let’s say at 4% is $60K so if rent is less than $5K a month could live without touching principal and your 1% maintenance fee for owning is now $15K annually. Renting or owning has many variables and if you feel a mortgage is financially a better choice that is great, but it isn’t necessarily a universal truth.
You want easy and diversified VOO or SPY (they are basically the same) are hard to beat. They only invest in US companies though, so for complete global diversification in a single investment consider VT. Good luck with sobriety - you are still young and have a lot of time to accumulate savings!
i think thats not enough diversification. I'd say 25% VOO 25% IVV 25% SPY and 25% SPLG. gotta be diversified man
An argument could be made how people who aren't able to save an emergency fund probably shouldn't be investing yet. And if they absolutely have to it better be VOO/VTI or some other boring, safe, ETF.
What on earth did you buy VOO/SPY alone is up 90% in that time frame
Ooof yeah I only just started VOO and chill, but yesterday when my numbers got back up to my initial investment I moved it all to money market.
What Ive done is set up long term portfolio and a swing trading portfolio. I only buy VOO, VTI, QQQ on huge red days and DCA when there’s huge pull backs towards my long term. I dedicated 3 years to watching and analyzing the markets so I can swing/daytrade. Last year I took my swing trading portfolio to +600%. I used my profits to add to my long term positions. I highly recommend that anyone looking to understand the markets, dedicate at least 3-4 years of watching price action and understanding major technical levels. The best investment is in yourself.
I sold a lot of my VOO at the bottom around 450 a share so lost almost a year of gains (only around 1k lost). I did this because most of my emergency fund was in the VOO and I needed peace of mind that I would have extra money for emergencies. Right now I moved it to SGOV and I'm ok with that. My 401k is 100% allocated to VOO and I'm just letting that ride for 30 years. Wish I didn't over react but at the same time it was peace of mind for me to get the emergency fund money into safer assets class. It's only about 20k USD but I didn't want to need it because there are times when the sp500 has been down for years. Which would have sucked.
What is VOO and why did I buy it 
If you can buy American stocks then put money into the VOO June-Aug and sit on it. Obviously no one can read the future but I think this market rally currently is a dead cat bounce and we will revisit the early April lows. If you are more versed in options, maybe buy some further dated LEAPS in the SPY. VOO shares are your safest bet though. Obviously there is greater risks at the moment with tariffs but the VOO is my favorite "bank" for my money. Congrats on the win and enjoy your hard work paying off!
lol I hear ya, but I got ~1 year of cash on hand, plus my spouse works (in a vastly different field). So we should be OK to handle a crazy market. And as of yesterday, VOO is only down 3% YTD! Barely a blimp!
VOO and VTI are basically identical. I started with VOO years ago so I just stuck with it. I cover probably 90+% of the investable market globally. I'm OK with that.
Lol this is a funny question. I know you aren't knowledgable on this but ya definitely better to go with VOO (a large sp500 investment etf) vs an individual game company stock.
Long term - VOO Short term - also VOO Nintendo stock price isn’t directly correlated to Switch 2. It has movies, toys, theme parks. Also you can bet any Switch 2 part is already priced in so the stock will only react to negative news.
Ive tried to time this drop. I sold some after it started and bought before it hit the low and now we're above where I bought back in and around where I initially sold. Some of what I initially sold im happy about (small cap index), some I kinda wish I didn't touch (VOO). But I'd say I did pretty well, but im close to a net zero. It seemed so easy but I was a few days off. I didn't anticipate the magnitude of liberation day drop, and got lucky so far with this rebound. I wanted to take a little stress off the table but the dip buying opportunity was too great and FOMO took over. Most of the gains werein tax sheltered. Some of the cash is still in tbill. So yeah it was messy. But im happy I did it. Real time lessons. And im rebalanced in a way Im happier with. It actually created more stress than letting it all ride unchanged, however.
I’m a proponent of VOO/VTI and chill, but the recent recovery feels like such an insane bull trap. Sourcing/supply chain/engineering is freaking out at my company. Front loaded inventory to avoid tariffs is depleting and some core components are about to double or more in price. Suppliers for our components are squeezed at both ends. Nearly everything is impacted by tariffs.
Buying $PLTR calls might be the new $VOO and chill method 
There is one option you dividend list. Invest in dividend stocks that will sit you ld in loud sighing ghd 5 to 7 years. For example Let say you invested money in SPYI quirk its 11% yield. According to the law of 72 the value of the fund will double in 6.5 year. While we won't know what the sales price of the fund will be in 7 years. But we know based on its predictable dividned is 2 times its original size ini about 6 years.. Some funds I have in my portfolio with a high enough yield to double in a reasonable 7 years or less are SPYYI, 11% yield, QQQI 13%, ARDC 12%. I also have PBDC with 9% yield A little outside the 7 year window. I know there are fund that pay 20% but I don't have them and am note sure of the ticker. Now some will say that if you invest VOO your money will double in 6 years or less, in bull market. With the taariff and other political issues We likely won't have any growth for probably 2 years, maybe longer.
Well I wish Mr. Altruistic would have let the rest of us schmoes know that it might be prudent to get out of the market for a bit and get into cash like he did. And I don't want to hear: buh..but...but...he telegraphed it - he got out of VOO! The guy's got more money than god. Nobody knows what he's up to half the time. If you're on your way out, it would have been nice to give the larger public a bit of a heads-up on your way out of you ask me.
The primary goal is to focus on specific market segments, and VOO to just cover any missing major companies. VB is small cap, then silver and gold.
All of them are ETFs which are basically collections of a bunch of different stocks and in this case VTI tracks the US market, VOO tracks the S&P500, and VXUS tracks international markets. That's kind of all you need to know. In my opinion VTI+VOO is indeed redundant. Also I'm pretty sure this guy is talking about buying individual stocks like going all in on Tesla or Google for example. Maxing the Roth before the next year is nice but they give you until April to contribute to the current year.
Okay so I initially invested $300 into VTI and then I was immediately seeing all kings of posts about VOO so I decided to go ahead and invest in it as well and then determine which I would make my main investment. I do notice that VOO is basically part of VTI making owning both a little redundant maybe? I’ve not research VXUS, I’ll have to look into it. I still really don’t even know what I’m looking at when looking at stocks and all the numbers with them lol
I would suggest VTI and VXUS instead of VOO. VTI is an ETF which tracks the entire US stock market, which also includes all of VOO giving you less diversity. VXUS covers international markets which lets you cover the rest of the world too.
I'd DCA into VOO and VXUS like I have been doing for 5 years
You just made money and probably think you can make more. You don't have to continually trade, you can just VOO and chill. You will make bad decisions if you feel forced to make a play.
I read “Intelligent Investor” by Benjamin Graham Read it three times and eventually ended up just putting money into ETFs like VOO, QQQM, MGK, BRK.B If you look to learn in little bits I like the podcast “best stocks now” by bill gunderson. Daily stock market show and he does a decent job teaching you the info in 40 minutes per day.
Most of what you're going to get when it comes to picking stocks is just fluff. The reality is this. Pick 10 companies, or 9 if you want to maintain a cash reserve for buying dips. Equally balance them to 10% each. Buy every paycheck equally. So if you buy $100 a week worth of stocks - you're buying $10 each of every stock per buy. A good place to pick already curated companies is from the sp500. Best to pick 2 companies from 5 different sectors. Or 3 companies from 3 different sectors using a 10% cash balance. Rebalance back to 10% each once a year. Everything else is nonsense - because no one knows the future. Knowing PE ratios, and comparing spreadsheets mean nothing in the long run, these are only short term things. If you believe in the company - during bear market, you're simply acquiring shares for cheap. Take something like SMCI - where the company didn't outperform the SP500 for 20 years... and then the last 5 years has a 4000% growth. This type of stuff happens all the time - Microsoft, apple, nvda, amd, amazon... etc People cal this risk. If you don't want risk - stick to buying VOO, SCHD, QQQ, or SPY and leave it at that.
Invest 1/3 in VOO and explain how s&p 500 has historically proven to go up over time. Invest another 1/3 in tech stocks like AVGO, MSFT, APPL, etc saying tech stocks are here to stay and time to buy them at a discount. Invest last 1/3 evenly across Autozone and Oreilleys saying as economy sinks, people will repair their cars instead if buying new. So autoparts stores stocks are good chance of going up next few years.
That reminds me of a related point I didn't include -- the rise of passive index funds over the last ~15-ish years. A pretty huge fraction of retail investors use (at least in part) Bogle-stle passive investing. In fact, despite the market turbulence, [VOO saw it's biggest ever inflows in April.](https://www.bloomberg.com/news/articles/2025-05-01/vanguard-s-voo-world-s-biggest-etf-nabs-record-flows-in-april) Given the set-and-forget style of investing has become *very* popular and how big it is, that could be another mitigating factor on any affect of a recession or other fundamentals may have on the market. They don't completely hide it, but huge sums in index funds can definitely serve to blunt the traditional "price discovery" mechanics of the market. It's essentially a source of constant demand that, in a sense, raises the baseline buying pressure of the wider market (not completely, since when there's a drop the funds have to sell to mimic their index even when there's inflows, but the ETF-driven demand does tend to have somewhat of a "buoying" effect overall on prices--and that effect grows as those ETF holdings/demand grows).
Don't sweat it man. Some people here are just fucking rude. IDK why they care so much what other people do with their money and want to shit all over them. It's your money and your life. Do what you want with it. I made one post here and will never do it again. Mine was actually about investing and not trading and a few people were still fucking cunts. We all know most traders lose but there are some out there who do it successfully, without insider trading, and make far more than anyone will ever make with VOO or VTI. Consistently. It's not impossible. This sub is a hive mind. Check out r/daytrading if you haven't already. They probably won't treat you as poorly as the people here will. Good luck!
Lol if you just put this into VOO and left it alone you’d have over $25k by 30 years old if not more. I stopped doing stupid get rich quick reading and put my money into index funds now I have a healthy 6 figures of investments in my 30s. Just invest in index funds and let it grow. Every now and then I might dabble with trading but only made an extra $1k profit net doing that last year. Gains and losses and time spent and only made $1k. Not worth the time or headache spent.
It had a minimal impact on my monthly payments for a 30 year mortgage. And the VOO isn't going to keep going up at a clip of 40%. I see that slowing down. It went up because of all the free money that was being given out by the government.
Yeah, do a google search for "VOO"
My VOO DCA never stopped so I got in low 
Which means its not. I inverse reddit. Works really well. Lump summed VOO at 450 when everyone said this is just the beginning lol. 15% discounts don't happen often and Trump is know for folding under pressure.
Here's a little thought experiment I use when I'm having a hard time with being in denial about a garbage holding. Let's say I'm down on GRBG by 80%. I now have $500 worth of GRBG. Would I sell my BRK.B or VOO to buy more GRBG? Probably not. Except taking no action is effectively doing that very thing. Sell your GRBG and buy something worthwhile.
No, and therein lies the issue because it seems like *nowhere* is safe, including the traditional safe haven of US bonds. Ironically, this may actually be a saving grace for the market because no one really has anything to flee too. Personally, I diversified a large part of my savings into foreign currency ETFs (and was already holding a small percentage of BTC and GLD anyway). Diversity is always good, but who knows how that will play out or if it's optimal. I pulled a bit out of VOO but not VXUS to leave in SPAXX for now, but obviously I didn't panic sell everything. Honestly, the best course of action is probably just DCA small amounts and keep it business as usual. It sucks and I don't like the blind contributions but what else can we really do? Again, I think the only *safe* bet is a high diversity of assets overall - meaning the things I had mentioned in addition to things like bonds, your mortgage/real estate, physical possessions/assets, etc. It's not sexy, it won't make you rich, and you won't have a ton of liquidity laying around to risk it on opportunities - but it's peace of mind that'll likely help you weather the worst of it.
I mean you essentially invested money at a 3% rate. I don't know if that's so amazing. You would have a 20-40% return if you just put that money in VOO at the time.
Put it in all VOO or VTI. Delete the app. Write the password down and forget about it.
>Not everybody is in it for the long term in every account. That’s why some of us come here and talk about market movements. Data also supports that large majority that try to time the markets underperform. I've witnessed so many posts the past couple of months of "oh I sold all my VOO at 465 and bought gold" - and now VOO up and gold down. Everyone is free to do what they want with their investments. But I think promoting what is essentially a 50/50 gamble to the wider community is bad advice. Large portion of these negative sentiments are from people who simply made poor/low probabilty choices. You can't argue against the long term chart.
I knew that my cousin selling 600k of VOO was the indicator that we had already reached bottom.
VOO was 452 just 3 weeks ago. I’m like if you had cash and you didn’t start buying something then you’re a deer in the headlights and you shouldn’t be fooling yourself that you’re holding some “dry powder”..
It's fine, that would have only been around 300k in 30 years if you'd thrown it in VOO based on their average return so don't feel too bad.
That's fine but there's a ton of overlap between SCHD, VOO and QQQ.
All you had to do was the VOO. Wtf did you do? Options? Leveraged? Degenerate gambler.
[VOO saw it's biggest ever inflows last month.](https://www.bloomberg.com/news/articles/2025-05-01/vanguard-s-voo-world-s-biggest-etf-nabs-record-flows-in-april) I wonder how much of "stocks only go up" is being driven these days by the huge number of passive investors. A pretty huge share of the overall money in the market these days is via passive index funds.
Good start! It is great you're starting so young, sure wish I had! I would recommend adding SCHD, and VOO when you can for long term holds if that is your idea.
I think the first thing you need to do is to step back and stop using the market like a casino. Are you looking to invest or are you looking to get rich quick? I’m not against having portion (small portion) of your portfolio dedicated to speculative plays, but you stepped past that line. There is nothing you can do in terms of saving some of the investments you’ve made without doubling down and trying to get your average price down to a point where it has a small possibility of bouncing back. However I think the smart move is to pull the plug and use whatever funds you can recover/muster and put them in stable, profit generating options that still have room for growth. Hell you’d be better to just stick it in VOO or something similar. Don’t fall victim to sunk cost fallacy to make additional bad investments.
The best time to start is always now not tomorrow. Start first with a single ETF and wait for it to grow for at least 5 years. Once you have additional capital, you can diversify with other ETFs. Invest now with VTI ( this is an ETF that invests in all listed companies in the US) or with VOO ( an ETF that invests in companies listed in S&P500 - the top 500 companies in the US). You can set to automate your deposit monthly, set and forget for a while. It may dip once in a while but the overall trajectory will always be up so do not panic
• Age & Location: 19 years old, currently serving National Service in Singapore (BMT phase). • Income: Earning ~$750/month from army allowance. • Objectives: Long-term wealth building – eventual big-ticket purchases like a house or car. • Time Horizon: 5-10years. No urgent need for the money in the short term. • Risk Tolerance: Comfortable with risk – willing to ride out market volatility for long-term gains. • Current Holdings: ~$2.6K in VOO (S&P 500 ETF), ~$3K in individual US tech stocks (NVIDIA, Microsoft). • Debts/Expenses: No major debts or financial commitments at the moment. • Plan: Considering dollar-cost averaging (DCA) into US markets with monthly savings, unsure if I should adjust my portfolio allocation. I’m looking for advice on how and where I should allocate my funds into. Now that US tariffs can create greater market volatility, should I shift my portfolio elsewhere instead of the US or should I remain optimistic for the future? what’s the strategy I should take with my current circumstances?
I moved the funds to my Cash account and added it to my VOO. Then took 10k out and bought gold. I may be stupid, but I'm not just going to yeet 70k into the next trade haha. Maybe a grand or two.
That’s what I think - I bought VOO each week during the choppy trading.. the dude literally invented the expression about scared money. VOO was at 452 just 3 weeks ago and this morning it’ll open at 515
If you think the bottom is in, I invite you to invest ever last dollar today in VOO. Come back in about 4 months and give us an update on how it's going.
Have you ever heard of the $VOO and chill method 
You could read a billion books about it. It doesn’t matter. Everyone who wrote a book or sells a course about trading did because they ran out of money. If they were so good at trading and knew all the secrets why don’t they have a trillion dollars? What you should read is books about INVESTING not trading. Now can you get lucky sure. How long can you stay lucky is the question. I was dumb and wasted money trading 5 years ago. If I just put it in VOO it would’ve doubled already.
That is actually good idea. I have been thinking about liquidating some of it since i read your comment. I might liquidate etherium and put DCA into VOO
Nope. I'm 80% VOO myself! And 20% VXUS.
Nothing to worry about with VOO, IMO. Cash can lose value when inflation hits.
VOO always goes back to ATH, why did you sell
How are y’all feeling about AAPL? Been buying for a long time now, seems like they’ve kinda maxed out. Thinking of selling some and just switching to VOO. What’s y’all opinions?
I have dipped my toes into stocks a little, even that is relatively new to me. I have some VOO, Costco, and Apple for shits and giggles when I first opened it. I know you can’t tell the future but if I put a nice chunk into VOO, would you advise against it?
VOO is okay, but you need global diversification too.
I may regret it but as of now I'm glad I sold all my shares in March, I've got enough exposure in VOO and Apple just doesn't excite me at this valuation
In general, yes. People severely overestimate their ability to convert headlines into winng market moves. Look at everyone who bet against TSLA before the earnings call this week. News was worse than expected: terrible. What happens? Price spiked UP, and has settled barely unchanged. Why? Who TF knows. You can't predict anything. Consider the famous case of Carl Icahn, a big shot investor, a sophisticated and knowledgeable expert. So convinced he was, just like you and many others, that the market was going to go down, he bet on it by shorting. That decision has so far cost him 9 billion dollars, and has since said: I’ve always told people there is nobody who can really pick the market on a short-term or an intermediate-term basis. Maybe I made the mistake of not adhering to my own advice in recent years. [https://www.marketwatch.com/story/carl-icahn-admits-he-was-wrong-to-take-a-huge-short-position-on-the-market-that-lost-9-billion-c5870883](https://www.marketwatch.com/story/carl-icahn-admits-he-was-wrong-to-take-a-huge-short-position-on-the-market-that-lost-9-billion-c5870883) My only advice would be: diversify, and if you are only in the US, say VOO or similar, you aren't diversified enough. Large caps in 1 country isn't diversified, even if it is the US. Then if you still aren't convinced, go and find a chart of the FTSE all world index and look at say a 10 or even 20 year view. it just keeps going up.