IVV

techart786

Sell all 30000. Save that 962K while you can. Buy SPY, VOO, IVV, XLK, QQQ, SMH. Don't open your portfolio next one year. Thank me after 1 year.

GEOdude2027

If this represents a majority of your investments over the years bro pls just start buying index funds like IVV or QQQ

4thshift

I'm not great at investing, but had I simply put my money into an S&P 500 index fund (SPY, VOO, IVV or similar) and reinvested the dividends, I would probably have a lot more money today than I do from chasing 3x leveraged funds or trying to guess which healthcare or technology companies are going to be the winners. Those winners certainly exist, but they can fall just as dramatically. Nobody can tell you whether today is the best day to invest. There will be dips, crashes and periods where the market goes nowhere. But an S&P 500 index fund gives you ownership in 500 large U.S. companies rather than requiring you to guess which individual company is going to succeed. Dollar-cost averaging is one way to deal with the "is the market too high right now?" problem. Instead of trying to time the market, you invest a set amount at regular intervals. Sometimes you'll buy high and sometimes low, but you're not relying on yourself to predict the next dip. Most people aren't very good at doing that consistently. I'd also keep an emergency fund in a HYSA rather than putting every dollar into investments. An ETF is an investment, not cash. You can sell it during market hours, but the sale has to settle before the money is available to withdraw, and the market could also be down substantially at the exact moment you need the money. A HYSA is much more appropriate for money you may need in the short term. If you're in the U.S., I'd also look at retirement accounts before putting everything into a regular brokerage account. A Roth IRA lets you contribute after-tax money, and qualified withdrawals in retirement can be tax-free, including the investment growth. Traditional retirement accounts generally give you a tax deduction up front and you pay income tax when you withdraw the money later. There are contribution limits and rules for both, and retirement accounts aren't quite as flexible as a regular brokerage account. So if you're building money that you may need before retirement, a regular brokerage account can make sense too. And don't overlook taxes. In a regular brokerage account, selling investments can create taxable capital gains. How long you held the investment can make a substantial difference to the tax treatment, so constantly buying and selling is not necessarily your friend. In a regular brokerage account, holding an investment for more than one year can substantially change how the profit is taxed. And you need to keep track of your activities for tax reporting, which is a pain. I am not going to tell you what company to use, and there are many, but an well-known example like Schwab, offers retirement and simple brokerage accounts. You open it like any other internet bank account, basically. Send in the funds and then it just sits there, until you go in and select a Ticker symbol, hit the \[Buy\] button and decide how many shares and how you'd like it to go through ... LIMIT to a certain value, or just accept the MARKET of that moment, for example. Someone accepts your offer, mostly within a couple of seconds and then you are a stock/ETF owner. When you want to sell, you go back in and hit the SELL button and say how many shares you want to sell. If you want to get into the more high-stakes stuff like OPTIONS, that's beyond me. Do your homework. Consult with a professional at some point: Internet opinions are not very believable.

rumpler117

Open a brokerage account with Fidelity, Vanguard, or Schwab. Deposit money. Buy stuff. IVV, VOO, etc.

moSNAP

Brother, totally, specifically for this year 3/27, 3/30, 3/31 was the test. U literally are done trading for the year if u slammed it like a double down on the blackjack tables. A second day is July 28-31 which I call the Leopold day aka deleveraging event. Wall street ganged up and knew his port was levered in certain ways so the AI traded rotated out to AAPL, JPM, etc and he got margin called (but up 80% at least!) Cheers to the patient ones here waiting to pounce. Let's effing go! S&P and chill. FWIW: SPYM, IVV, VOO all have cheaper fees than SPY.

Slabbed1738

Damn someone sold $2.8B of SPY and IVV

PatientAd9394

Just in. $2.8 billion dark pool BUY side transactions just entered on SPY and IVV

PatientAd9394

Just in. $2.8 billion dark pool BUY side transactions just entered on SPY and IVV

PatientAd9394

A record of over 20 billion dark pool inflows was registered on SPY, IVV and QQQ on close today. Whales are not buying if the market dumps

PatientAd9394

We will be so green tomorrow. All the dark pools on Friday close were huge buys on indices etfs: SPY, IVV, SPYM, QQQ and DDM.

EvangelineRain

I’ve been living off of selling options for 5 years, so it’s definitely possible to repeat. I focus on income, not percentage returns. The money that secures my margin is there if I get into a bad spot and need it, but I try not to touch it or invest it in anything riskier than IVV. That way I don’t have to worry about whether I’m beating the market, I know my savings are making market returns. I try to sell enough premiums to cover my expenses, and ideally a little extra to add to my savings. In percentage terms, I make maybe around 20% from trading? Maybe a little more? The percentage number goes down as my savings grow. At this point I’m more interested in using my greater buying power to decrease risk rather than increase income. And then my savings makes market returns, so that’s another 20%.

D_Pablo67

Absolutely move into the home and live there if it is a place you want to be. This is an investment and tax question. If you are gifted an asset and sell, you have a “carryover basis”, which means dad’s basis at the time of the gift. In contrast, inherited would step up basis to FMV at date of death. I believe you are receiving a gift so carryover basis. You will pay capital gains tax (short term if you own under a year, which is ordinary income rates) in the sale, gross proceeds less carryover basis, less closing costs, likely 6% between broker fees and real estate transfer taxes. You probably lose at least 40% between federal taxes, state taxes and closing costs. The better option is to move in for at least two years in order to qualify for $500,000 capital gain exclusion for a home you owned and lived in for two of the past five years. Take the $2,800 a month you pay in rent and invest that each month in an S&P 500 index EFT like VOO, SPY or IVV. You can regroup on this decision after two years.

PatientAd9394

Just after close, over 10 billion dollars worth of dark pool activity happened on IVV and SPY. Next week will be spicy.

blorg

It's not AI, I compared Schwab vs Vanguard ETFs for my own investments. The list of top ETFs is just going down through that ETFdb list and picking the top fund for each category; that's how I got that. Crude but not AI. Look, I don't think we disagree on anything substantive. If you had just been clearer in the start that you were only talking about outflows from Vanguard's brokerage business, this whole thread would not have happened. When you said "4x the outflows that they do inflows in the retail channel, their retirement business has stemmed enough of that bleeding" almost everyone interpreted "retail" as retail fund AUM, not ACAT transfers out of the brokerage. I acknowledged early on your clarification. I wouldn't be talking about the brokerage business in my replies if I hadn't accepted that was what you meant. My point then wasn't that your stat was false, it was that it was secondary to their fund business. I have never used Vanguard's brokerage but I regularly hear it's difficult to use. I agree with you it should be better and it's a *theoretical* negative to their future funds business if they have someone move to another broker, it just gives that broker more leverage, sending you stuff to encourage you to use their products. It gives them an in from a marketing perspective. But that's all it is. If anything, the shift to Vanguard has actually accelerated since everyone went zero commission. Vanguard overwhelmingly has cultural mindshare on this. Reddit threads, YouTube, podcasts, it's always VOO, VTI, VXUS, VT, BND. No one is saying IVV, ITOT, IXUS, SCHX, SCHF. The reality is that Vanguard's core fund business is growing and money is flowing *in* to Vanguard.

greenpride32

I did a search on "zero dividend ETF" because after reading your post I was curious if such a productc existed. I found XDIV from Roundhill. It has only been around for about a year. What it does is buys the SP500 index, currently through IVV, and then sells the shares the day prior to ex-dividend and then just buys them back. Effectively that avoids dividend distributions. The prospectus says it might buy SP500 through any of VOO SPY IVV (and maybe others I'm forgetting). But current allocation I saw was IVV. I only know of SPYM that would be cheaper expense ratio.

MontanaXVI

It's totally fine for your use case. You seem like you've got your shit together and are aware of the potential "gambling" aspect of the app. I have a bi-weekly deposit from my credit union when I get paid which then is dumped into a monthly purchase of IVV in my brokerage account. I set up a Roth with them a few years ago and max that out and gladly take their 3% match on due to me having gold. I dumped a little sum into the brokerage account which I leave uninvested and earns enough interest to pay the yearly $50 gold membership fee. All told I'm getting hundreds from them a year in Roth match and interest. They're paying me to use them. I also just rolled over an old IRA I had sitting from an old job. Match on that and they paid my transfer fee from E-Trade. You're doing it right, just stick with it. I'm eligible for the banking and gold card but don't have a need to leave my credit union just yet.

Electronic_Bee3134

Why do you have VOO, IVV, SPY, and FXIAX?

Fuzzy_Blood

Why keep basically anything? Put it in the market, IVV or QQQ, and if you ever need any money, sell!

D_Pablo67

The S&P 500 ETFs VOO, SPY and IVV are an easy way to invest on a schedule (dollar cost average) and make excellent long term returns. But you miss out on great stocks. Building a base of first $25k in VOO then looking at some great individual stocks is fine. I have mostly individual stocks, but still some VOO, QQQ, IJR, JEPQ and JEPI.

EvangelineRain

Just through trial and error. 🤣 I was aware conceptually about options from school, but it was on Reddit that I read comments recommending selling puts, which is what got me looking into it. If I recall correctly, it was in the mess of 2022 that I started selling put options, and at that time I was scared of individual stocks — you can be confident that the market will recover, but you can never be sure an individual stock will recover. In 2021, I had lost a lot of money attempting to day trade (gamble) on PayPal. The problem with covered puts is the opportunity cost — with my strategy, I don’t have to worry about whether I’m beating the market, because I’m not giving up market returns for the strategy. I keep my two strategies separate in my head. The money that secures my margin is in IVV (well, some is in TQQQ right now, but that’s a long story), so I can be confident that my savings are invested and making market returns. Then I focus on monthly income for my margin trading, and that’s the money I live off of.

Crazunny79

IVV is better tan VOO for long term gain

Inviction_

Technically you have IVV sitting in your Roth.

eladmir

At age 25 I'd say skip the bonds and go 100% stocks. I have my Roth IRA sitting in IVV. Much better 40 years return then bonds.

moSNAP

Buy SPYM / IVV / VOO / SWPPX / FXAIX / SPY on bad pullback days and keep it easy. Now pay me $ for this advice. Is what I feel all of the investment groups are. They are and added expense ratio with zero guarantee. Have them print out CPA verified gains and then consider joining

throwawayainteasy

For someone in your shoes, it's hard to do better than something like and S&P index fund. There's lots of options (SPY, IVV, FXAIX, VFIAX), just decide whether you want a mutual fund version or an ETF version, and get the one that trades with no commissions/fees through your broker. Then it's set and forget. Zero learning or thought required. You're not guaranteed 5% every year, but the market average over long time periods has been at least or better than that (even accounting for inflation). It's about as good a set-and-forget approach as there is for the basic investor. There's been mountains of research showing that approach will very likely outperform anything any money manager can do for you.

danceswithsteers

Until you *know* you know better, just chunk it all into a broad-market ETF (VOO, IVV, VTI, etc.) set it up to reinvest dividends and forget about it for a while.

HoneyBadger552

fuck sphq. where is the downside buffer?? IVV and FMTM. go big or go home

lavender812

IVV (S&P 500) is trading at 29.82x PE [https://www.ishares.com/us/products/239726/ishares-core-sp-500-etf](https://www.ishares.com/us/products/239726/ishares-core-sp-500-etf)

stuff_happens_again

Not sure what you really asked for, because my brain wandered off after about the second paragraph. Most of my holdings are in IVV or ONEQ. Basically, 2/3 in S&P and 1/3 in Nasdaq. Small amounts for gambling, just enough to reassure myself that the set and forget method works. Used to be 50/50, but am slowly reducing the amount of Nasdaq. What do you normally put on your pancakes? I like pancakes, but over time the syrup tastes too sweet. Would love to discuss more, but shift at wendys starts soon.

Informal-Lime6396

I think, as a non-US resident, you won't need to pay taxes when selling US stocks for a profit, but dividends are. VOO/SPYM/IVV dividends are on average 1% per year. The performance on A200 doesn't look very attractive. I believe young investors can afford to take more risk as you'll have decades to ride out volatility. As you age, you'd dial back the risk.

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

toyz4me

If it’s my first $19k going into the market, I wouldn’t be trying to pick a single stock to try an hit it big I would get into o r or two of the ETFs that gives broader access to/ exposure to the markets. Such as: VOO IVV SPY VTI ITOT FXAIX

SetRestart

IVV hardly moving

Cloaked42m

>Ahead of the July 4 launch, the US Treasury announced that the default investment for all accounts will be the State Street SPDR Portfolio S&P 500 ETF (SPYM), which tracks the performance of the S&P 500. It has an expense ratio of 0.02%. >Treasury also noted that “in the coming months,” parents and guardians will have a choice of four other funds into which they may allocate contributions. Those funds are the iShares Core S&P 500 ETF (IVV); Vanguard Total Stock Market ETF (VTI); State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM) and iShares Core S&P Total US Stock Market ETF (ITOT And Robinhood is managing it.

turbulentaquifer

Yep same. I have my floor of cash savings I need per fortnight to reach my home deposit goals. Then a little into ETFs. But it helps me to small, undisciplined purchases: 5 here or there for a coffee. Instead I will transfer that into DHHF or IVV.

user4443337

and IVV is +1.92% for some reason, VOO, SPY, SPYM are 1.6-1.66% ES1! is only 0.15% higher than SPX but they’re still only 1.18-1.33% I don’t understand

IronyElSupremo

The index ETFs copy their underlying indexes but it’ll never be perfect .. hence the tracking error %. Iirc it is State Street’s SPY etf that really tracks well which is why traders use it, but it’s “expensive” with a 0.09% expense ratio (er) that many passive investors try to avoid as it accumulates over time. Long term investors can use their SPYM (also S&P 500) at 0.02% er or Vanguard’s VOO, iShares IVV at 0.03% er for longer term “buy and forget” long term investing.

SnS2500

Scroll down to "Premium/Discount". The VOO NAV ended Friday at a .46% discount. [https://investor.vanguard.com/investment-products/etfs/profile/voo](https://investor.vanguard.com/investment-products/etfs/profile/voo) IVV was at a .79% discount. [https://www.ishares.com/us/products/239726/ishares-core-sp-500-etf#keyFundFacts](https://www.ishares.com/us/products/239726/ishares-core-sp-500-etf#keyFundFacts) The ETFs are just catching up today with the NAV.

spilledonwhite

Anybody notice that SPY, VOO, SPYM, IVV are all showing +0.50% higher than the actual S&P500 all morning?? Is the market broken? What gives?

McBeers

That's not what OP asked for though. He said specifically SPCX or AI IPOs not "any overvalued corporations". There are plenty of funds that don't have what he's asking about (at least for now) but certainly wouldn't be active investing. For instance, S&P500 tracking funds (SPY,VOO,IVV) won't have it until seasoning and profitability requirements are met in a year. If he dumped things like QQQ that enabled Elon's BS and switched to SPY, he'd actually be more broadly invested and less active.

1dirtbiker

I've been investing for 20 years, and am usually on my game. We all make mistakes. My position in QQQM and QQQ is very small compared to my total net worth, so I'm not as up on it as I clearly should be. I'm mostly invested in IVV, SCHD, and BND.

EvangelineRain

Yep, I made the switch after 10 years. I couldn’t easily track if I beat the market or not, I think I did fine, but I just got tired of the game. I realized I cared more about not lagging the market materially than I did about beating the market, and that there was a way to guarantee that. So I switched everything to IVV.

1dirtbiker

I rarely do trade. I buy and hold, and dollar cost average. My QQQM holdings are small, like under $50K. The vast majority of my investments are in IVV, BND, and SCHD.

fozzy71

I am mid-50's and try to avoid sector ETFs, so I would probably stick with what you already have, but increase your VXUS. I currently hold about 22 or 23% but am in the process of rebalancing and trying to push it up to 25% for exUS. I am also not a fan of VXF. I hold a core in IVV and a similar weight in AVUV for small caps, and actually decided just today to start DCAing into an XMMO position for mid-cap exposure.

Rare-Fox9834

Tech is up, S&P500 is down. Why are people still investing in this boomer bullshit? SMH gonna be worth more then VOO by the end of the year and these dipshits will tell you, "VOO and chill" like if the market crashed VOO wouldn't take a hit too. At least when the market crashes SMH, or SOXX, or SOXQ or whatever tech ETF you invested is will given you massive returns. SPY, VOO and IVV are gonna give you tiny baby dick returns and fuck you in the ass just as hard when the market crashes.

Jamestown123456789

Just throw everything in IVV or SPY with a 10% lower stop market and adjust the stop market up to be 90% of the price at the end of each month. Won’t be the best performing but it’s kind of idiot proof and a lot better than sitting on cash waiting for a dip.

Spinax_52

I would just stay away. Investing is fundamentally different from trading. IVV and chill

One_Opportunity9167

SPY, VOO and IVV are all SP500 Index ETFs. There are also many mutual funds. If you don't want to own SpaceX stock, don't buy funds that own it. That sounds flippant, I guess. But the two managed funds I listed (plus MANY more) own stocks based on fundamentals that SpaceX won't meet, at least for a while. Some index funds will be obligated to buy a stock because that stock is part of the index they follow, but the SP500 Index won't include SpaceX for a while. Same for other IPOs, questionable or not. I put a little more detail here: [https://www.reddit.com/r/investingforbeginners/comments/1u34pqx/comment/or3qorj/?context=3](https://www.reddit.com/r/investingforbeginners/comments/1u34pqx/comment/or3qorj/?context=3)

NoThalamus

The first 10 years I invested, I was really into individual stocks. I would research extensively. Some picks made gains, some lost, some stayed flat for years. Then I realized if I just had my money in an ETF, like IVV or QQQ the returns always performed better than my mix of hand picked stocks. I haven’t bought an individual stock in 15 years.. just ETF it.

Spinax_52

I lost a lot of money today “trading”. I’m just going back to IVV and chill. Expensive lesson. Cya

InvestingNerd2020

I've been telling newbies to use SPYM in a taxable brokerage account since the S&P 500 index switch and lowered expense ratio. Long-term holders of VOO, IVV, or SPY should continue investing into them. No point in losing your great positions for a slightly less expense ratio.

EPPAnalyze

Tranquillo, è un problema super comune che capita a un sacco di gente. Il motivo per cui sei bloccato è che FXAIX è un fondo comune d'investimento proprietario di Fidelity e non un classico ETF, quindi la tua nuova piattaforma non ha proprio gli strumenti tecnici per ospitarlo nel suo catalogo. La buona notizia è che, trattandosi di un Roth IRA, hai un enorme vantaggio fiscale che puoi sfruttare a tuo favore. Dentro questo tipo di conto puoi vendere e comprare tutti gli asset che vuoi senza attivare nessuna penale e senza dover pagare tasse sulle plusvalenze. Il modo più semplice per aggirare il blocco è fare una mossa in tre passaggi direttamente dall'app o dal sito. Per prima cosa, vendi le tue quote di FXAIX rimanendo sempre dentro Fidelity, in modo da convertire tutto il valore in liquidità sul tuo saldo. Subito dopo, vai sulla tua nuova piattaforma e avvia la richiesta di trasferimento specificando che sposterai il conto sotto forma di contanti e non come titoli. Una volta che i soldi sono arrivati sani e salvi sul nuovo broker, ti basterà usarli per ricomprare un ETF equivalente che traccia lo S&P 500, come ad esempio VOO di Vanguard o IVV di iShares. Gli ETF si comportano esattamente come il fondo che avevi prima, hanno costi di gestione ridicoli e, soprattutto, sono scambiati universalmente, quindi se in futuro vorrai cambiare di nuovo piattaforma non avrai mai più questo problema. Ci vorrà qualche giorno per completare i passaggi, ma è l'unico modo pulito e a costo zero per uscirne.

EPPAnalyze

Ciao! Tranquillo, è un problema super comune. Il motivo è che **FXAIX** è un fondo comune d'investimento proprietario di Fidelity, non un ETF, quindi la nuova piattaforma non può "ospitarlo" così com'è. Visto che ti trovi all'interno di un **Roth IRA**, hai un enorme vantaggio: puoi vendere e comprare asset dentro il conto senza pagare tasse sulle plusvalenze e senza alcuna penale. Per aggirare il blocco, fai così: 1. **Vendi FXAIX direttamente dentro Fidelity:** Converti le tue quote di FXAIX in liquidità (Cash/Core Position). Ripeto, trattandosi di un Roth IRA, questa operazione non genera eventi fiscali (no tasse). 2. **Avvia il trasferimento (ACATS) come "Cash":** Chiedi al tuo nuovo broker di avviare il trasferimento del Roth IRA specificando che trasferirai il saldo in contanti. 3. **Ricompra sul nuovo broker:** Una volta che i soldi arrivano sulla nuova piattaforma, usali per comprare un ETF equivalente sullo S&P 500 (ad esempio **VOO** di Vanguard o **IVV** di iShares). Gli ETF si muovono esattamente come FXAIX, hanno costi di gestione bassissimi e te li accettano ovunque se in futuro vorrai cambiare ancora broker. Ci vorrà qualche giorno per liquidare il fondo e completare il trasferimento, ma è l'unico modo pulito e a costo zero per farlo!

doesntpicknose

I don't know where the idea came from that this is what "timing the market" refers to. If Buffet is invested in 10 companies, A-J, he's in the market. If he thinks that company A is overvalued™, he sells shares of company A, and he's still 90% in the market, because he's not trying to time the market. This gives him the opportunity to buy shares of company K if he thinks it's undervalued™ based on fundamentals. Cycling his portfolio according to his tastes of what it means to be over or undervalued, and according to his tastes of makes a valuation risky or not, so that he can prioritize companies with greater perceived potential relative to their risk and their price, is not "timing the market." That is "balancing a portfolio", which is a basic skill that everyone needs if their strategy is anything other than 1) buy VOO/IVV/VTI, 2) profit.

zerothehero0

The lazy and smart way to go about things is to find alow fee diversified mutual fund or etf, either US market or World market, and just plow money into it. VT has a cult and is classic for a world total market fund. And any of the S&P 500 funds like IVV, VOO, or SPY are the classic American ones.

BobtheChemist

If you use Fidelity or Schwab, they can provide a simple advisor to you, and if you create a simple ETF portfolio, you can invest your savings in a manner that will be reasonable with about 2-10 ETFs, and then as you get more experience, you can add some other things if you wish. A mix of S&P500 (VOO, IVV, etc) along with some international, small cap, mid cap, bonds, REITS, and others can do just fine. Some of my accounts are based on that, and they are doing great, and I have paid almosy nothing in fees for 20 years now. It just take a mentality of saving, diversity and low fees.

Electronic_Bee3134

Why SPMO? It's not exactly the same as VO (or IVV). Agreed about VTI, though I do SPTM (even though the correlation is so high they they're basically interchangable).

InvestingNerd2020

SapceX will still be in target date funds. Since most people just blindly accept the company 401k/403b plans, Elon will still get his money. Just not S&P 500 funds, small cap, nor international. It's a great time to invest into a S&P 500 fund. FXAIX, SWPPX, VFIAX, VOO, IVV, SPY, or SPYM.

Consistent-Depth-703

If you can, open up a Roth IRA and deposit any post tax income you have earned in the last year. Invest in VTI, IVV, VOO any cheap index and you will thank yourself in the future.

booobReviewer

"Throw your phone in the river" is the most important part and the hardest to follow. The behavior gap — the difference between what the average investor earns and what the average fund earns — is something like 3-4% per year because people tinker. Automating removes the ability to make emotional decisions. VOO or IVV on automatic investment, dividends reinvested, check the balance once a quarter. Everything else is noise.

biglebowskidude

SPY - Bull vs Bear Currently $737.55, down 2.58% today. Not a company, but here's the index breakdown: Bull case: US corporate margins near historic highs, Al infrastructure adding $1-2T in enterprise spending, S&P 500 has recovered from every major crash in history. Every 20%+ correction has been a buying opportunity on a 3-5 year horizon. Bear case: Forward P/E at 21x is 90th percentile historically. Magnificent 7 = 30% of the index \- if tech multiples compress, the whole index feels it. Real rates still restrictive. Fun fact: VOO and IVV do the same thing as SPY for 0.03% vs SPY's 0.0945%. Long term holders should consider switching. Verdict: Best long-term wealth builder for most people. Short term - choppy until rate picture clears. Full analysis at norrisaius — code REDDIT-FREE-TRIAL

Future_Purchase7098

You're best off throwing 70k into IVV and IXUS.  I lost 14k on ODTE which was my life savings. I literally have 160 in a robo growth account and Gambling with my other 150. 

SirGlass

You can literally see the returns , just pull up the return of VOO/IVV and see what the returns are People investing in those funds will have similar returns .

crazybutthole

I am actually just switching future purchases away from QQQ and VTI Sp500 (VOO and IVV and DFUS) they are all supposed to not buy SpaceX until approx 12 months after ipo. We will see - news media and social media have both gone back and forth on if sp500 will or won't buy it before the 12 month rule - but that still keeps going back and forth as of today.

PERSONA916

I mean I have IVV and QQQ as my 2 core positions and the Nasdaq has almost double the returns so that seems like a pretty good reason to have invested in it. I have put roughly the same amount of into these ETFs since I started investing

Holiday-Plantain-296

QQQ and SPY (or IVV/VOO/etc) do not exist in corporate 401(k)s. And even if they were they're in retirement accounts... These can be adjusted at any time with no taxable event 🤦‍♂️

Fourteen_Werewolves

It'll be in the top 10 of the SP500, no index i know of will skip it. You'd have to rebuild the index in aggregate by selling all your $IVV or whatever and buying all 499 stocks individually.

Machine8851

VT performs worse than an sp500 index fund such as IVV and VOO

fozzy71

Yeah, you are likely right, but I didn't need the extra noise and volatility for a new holding that was still <1% of my portfolio at this point. I am focused on consolidating and reducing tickers. My new goal is 50% IVV, 25% AVNM, and 25% for 3-4 factor ETFs and 1 or 2 sector ETFs.

bosch1817

I know what IVV is and how they work the picture was just an example reference. It seems like a stretch to me that this can all just be inflation driven. It very well could be but this trend has been going on for some time now since the GFC. I’m sure it’s a big part of it I guess. Just seems strange that it could be the only reason for equities in general to just keep going up. Not even really sideways. Just persistent YoY growth.

Emergency-Ticket5859

You need to learn what IVV is to start with before investing in it It tracks the S&P500 - the top 500 companies in the US. The top 500 are continually refreshed so the best/most profitable companies are represented. Top companies earn profit, and don't pay it all out as dividends. This gets reinvested and grows the asset base (ie: increases value) Inflation nominally increases the price of everything, this flows through to companies, products and share price. Investors in equities demand a risk premium to ride out volatility and risk of loss. This is typically a few percent above the risk free rate. All this combined --> equities are structurally biased upwards. Since all the above (apart from inflation) doesn't really apply to commodities, stonks only go up, generally, if they're good.

fozzy71

I am in the process of going 100% AVNM for my exUS core to let them figure out the weights, but my largest core is IVV instead of VT. I was previously doing 1/3 each of VXUS, IDMO, and DFIV for my exUS sleeve.

SufficientSorbet9844

The only dividend timing I would try is moving IVV to VOO to SPY in Jun, because they're the exact same thing.  You're just getting 3x the dividends for passive index investing

notapersonaltrainer

>It's not about the 4% float. It's about the valuation. How it works is that once SPCX is added into QQQ, it will use it's market cap (everyone valuing it at 1.8T) ~ 4.5% of the total QQQ. Let me test your understanding. Imagine if SpaceX just released 10 shares (or 0.0...01% of their float). In your view, the managers of QQQ, SPY, VOO, IVV, etf would all have to fight to make it ~3-4% of their fund (roughly the size of Amazon), regardless of the tiny float, simply because theoretical valuation of the other shares is $1.8T? Are you stupid? If it worked how you think it works every company would IPO with an itsy bitsy float and get valued at quadrillions of dollars, lol.

notapersonaltrainer

>It's not about the 4% float. It's about the valuation. How it works is that once SPCX is added into QQQ, it will use it's market cap (everyone valuing it at 1.8T) ~ 4.5% of the total QQQ. Let me test your understanding. Imagine if SpaceX just released 1 share. In your view, the managers of QQQ, SPY, VOO, IVV, etf would all have to fight for that one share to make it ~3-4% of their fund (roughly the size of Amazon) simply because the non-available shares are valued at $1.8T? Are you stupid?

shortvol_trader

The logic is directionally right but the execution risk is real. CSPX and VOO track the same index but they're different instruments with different prices, different option multipliers, and different liquidity profiles. The hedge isn't perfect — basis risk exists between them. The bigger problem is practical: if your VOO call gets assigned, you need to deliver VOO shares you don't own. Your CSPX doesn't cover that obligation directly. You'd have to sell CSPX, convert currency if needed, buy VOO, and deliver — all while the market is moving against you. If liquidity on CSPX options is the problem the cleaner solution is SPY or IVV which track the same index, have deep liquid options markets, and you can use them as your covered call vehicle directly instead of cross-instrument hedging. What's your reason for holding CSPX specifically — is it tax treatment or account restrictions?

SetRestart

Did I make a mistake going IVV and not SPY

GuidetoRealGrilling

95% IVV, 5% DRAM moving forward

Thiccjuicymilfz

Hi, New to this investing business. Cliffs: Investing in ETFs and will hold for 20+ years. Please rate… NDQ, VAS, DHHF and IVV Thinking of replacing IVV with VGS? Thoughts? Much appreciated.

Andrew_Higginbottom

$7k into an ETF like IVV then split the $600 into 3 different stocks (find an extra $100) The ETF is to park most of your money into something making slow and (relatively) safe money until you are more skilled/more confident into making faster money. Treat the $600 as training money that you are willing to lose on your skills improvement education. The best thing you can do for your long term investing is to lose some of that $600 at the start, as there is no better fire up your butt way to learn than to be losing money 😄 (it's what worked for me) ..and January 2024-2025 my portfolio made 107% ..not saying that's a regular, just an example of how losing money made me better ..at not losing money 😄 ..and making money ..and that if I just parked it all in an ETF it would have been up only 15% in that period. If you think losing 80% of the $600 on your learning curve is difficult to handle, think about how much an education course would cost you to sign up to. In comparison, 80% loss on that $600 to get you skills to eventually make way more is money well spent ...and quite frankly, its a bargain.

ElonMuskTheNarsisist

Why not add IVV while you’re at it lol

SufficientSorbet9844

maybe diversification outside the U.S. atleast for now. I'm holding 70% IVV, 30% SCHF to access Japanese, Canadian, European, etc equity that is relatively cheap and actually outperformed the SP500 last year. But this is probably not a longterm strategy.

Pragmatic_synic

I had a historic year in 2025. +400k in my IRA aggressive stock trades on HOOD RDDT CRWV VRTV big gains on my brokerage S&P IVV account. I’m a seasoned investor, trader and speculator. It’s plausible but do you think you are lucky or smart? I was lucky in 2025. Lucky seasons are not common. Check your ‘self’ egomaniac

Azurik81

It doesn't you a lot to get you triggered, huh? And that was ne being nice. Yet, you're so "knowledgeable" that you make rookie statements like "it doesn't hold its value when it drops" and "doesn't have the share price like SPY and IVV". This isn't assumptions. It came out of your mouth. What makes rookies worse if when rookies are ignorant enough that they don't even see they're rookies.

prattbatt

We’re talking about pennies. I’m not gonna trip over pennies. I’ll rather have BlackRock instead of vanguard. That simple for me. You repeating yourself about tracking the s&p500 is redundant. I’m not your buddy, me saying I’d rather own IVV instead of VOO doesn’t mean I’m new to investing. I’d rather own institutional than retail. Keep making assumptions “buddy”

prattbatt

I’d rather have IVV than VOO. Some people prefer great value and that’s okay

prattbatt

Exactly, tracks the same index but can’t hold its value when it drops and doesn’t have the same price of SPY OR IVV. Fees? I believe IVV has the same fees as VOO. You’re not paying crazy amount of fees for a bland ETF nor are you paying management fees. So that doesn’t cross my mind but maybe it does for great value shoppers.

prattbatt

Even then, it’s minimal bps. VOO doesn’t hold it value well compared to SPY or IVV. Might be a Reddit cult

prattbatt

Why don’t yall just buy SPY or IVV? Genuinely curious why people flock this

dudeatwork77

I think I’ll hedge the risk by diversifying into IVV, VOO and a bit of SPLG

bobdevnul

The term the IRS uses is substantially identical, not same type. Brokers will not flag wash sales to the IRS for different tickers. For example, VOO and IVV have different managers, different tracking errors of the index, different expense ratios, etc. They won't be considered a wash sale.

InvestingNerd2020

No tax issues in a Roth IRA. Sell it and buy into the ETF VT. For the "wash sale" to exist, you need the same type of funds and the fund being replaced needs to be at a loss in a taxable account within 30 days. FXAIX ≠ VT. Example of a wash sale in a taxable brokerage account would be VOO having a bad year for a first year investor, and getting replaced with IVV under 30 days.

D_Pablo67

Investing is best done as a steady, patient habit. Come up with an amount you can invest every week or every month, and stick to it. Open a Roth IRA, and put the steady investment into an S&P 500 ETF. Your three choices are VOO, SPY and IVV. Keep it simple. Focus on consistency.

Charming_Squirrel_13

not financial advice, but I rely on IVV, QQQM and IXUS to provide the ballast for my portfolio. but my largest individual holdings are AMD, NVDA, PANW and CRWD. I work with data scientists and they clued me in pretty early about what was going on. going forward, I'm interested in seeing how biotechnology, nanotechnology and robotics play out, especially with any potential AI tailwinds, so I'm keep an eye on those.

D_Pablo67

Investing is best done as a steady, patient habit. Invest $1,000 per week into an S&P 500 ETF like VOO, SPY or IVV. Pick one, I like VOO. Investing on a schedule protects you from being hurt by wild market swings and builds the habit of saving and investing. You want at least your first $20k in a S&P 500 ETF. Once you reach that goal, you can explore individual stocks or just keep going on VOO or QQQ, which is the NASDAQ 100.

FairMongoose5583

when someone says “VOO and chill”, they mean to buy into the broad market and let it sit for a while. this of course is assuming they have decades to chill. also, VOO here is interchangeable with any broad market ETF. for some people it’s the S&P 500 (SPY, VOO, SPYM, IVV, SWPPX, among others). some people it’s the broad US market like VTI, some people it’s the broad world market like VT. the catchphrase is more investing advice than anything

guiltypleasure33139

There is a running joke that actually very true: Time in market beats timing the market. You have 20k to invest, then schedule 5 investments of VOO or IVV, each investment for $4000, do this 1 time per month over the next 5 months. This will get you in the habit of savings. Set your account to dividends re-invested. this helps with the compounding. I have been doing this since the 80's ( mutual funds ) and in the 90's SPY came out and I was doing it weekly, I've seen massive ups and thumping downs. My S&P 500 cost basis is still less than $200 per share. I get a ton load of new stock every dividend.

Andrew_Higginbottom

I wold put it all on IVV, but that's me.