IVV

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.

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.

LuolaLogarius

IVV

UpDown

I’ve never had much tech exposure. I’ve been all in on small cap value since I earned my first dollar. What I find fascinating is that I have not underperformed IVV through this whole ai bubble, and in fact I’ve outperformed slightly. To outperform an ai bubble without ai is pretty cool.

buckeye25osu

As others have said, VOO, or SPY, or IVV. They are all going to be the same if you're going the SP500 ETF route. Park your 20K there and then automatically add 1K each month for the next 25 years and it would be worth $1million at 8%, about 1.3 million at 10%.

Andrew_Higginbottom

Low volatility and high yield is a bit of an oxymoron. High volatility going skyward brings high yield. No volatility is stagnation (sort of). Put it all in IVV and walk away..

Senior_Power_7040

Agree, for income it is decent. I've been running a very similar strat on IVV for years (i.e. sell puts to accumulate, the sell calls and/or straddles on longs and cash). My experience is I end up getting called away early in cycles and end up just selling puts for extended periods of time that expire OTM. It's nice income but mostly underperforms buy and hold. Also with the index ETFs there is very little premium OTM so I tend to sell ATM which leads to the call assignments frequently. I don't like rolling out time/strikes because doing so is usually much lower margins and locks up capital so I tend to just take assignments and move on.

DuckSmash

I would allocate some away from VOO and into SPY. You should also make room to put 5% in IVV

_caraaaward

for smaller amounts SPY-tracking etfs like VOO or IVV have the same exposure but slightly different option chains. mini SPY options (XSP) are cash-settled and 1/10th the size which helps alot. if you're open to perps instead of leaps, markets.xyz runs 24/7 with index multipliers up to 50x.

polymanAI

VOO is the same exposure with tighter spreads on some strikes. RSP (equal-weight S&P) gives you cheap leaps with less top-heavy tech concentration. IVV if you want the lowest premiums.

SirGlass

Currently however the IRS does not consider them the same You can exchange IVV for VOO or something and the IRS will not treat it as a wash sale Could the IRS tomorrow decide it really is sure but in the past they have not

tired_ani

No, I don’t play around with my Roth and 401k which is fully in VT + 10% AVUV and a target date fund respectively. I only buy individual stocks in my Taxable and HSA. My Taxable is 25% IVV too, so I am referring to selling some of that 25% to fund my above direct picks.

Fickle_Radish2418

I have a question. to work out TWR would I essentially look at what both would have done in the past 12 months if I put the same amount in them? eg if I put $1000 in RIO on the 8th April 2025 it would have increased 40% where if I put $1000 in on IVV on the 8th April 2025 it would have only increased 12% am I looking at this correctly?

Jealous_Bookkeeper20

Understood. DCA is a solid execution strategy for smoothing out entry points, but it's important to distinguish between execution and evaluation. TWR is the standard for measuring the 'skill' of your underlying selection (like Rio vs. DHHF) because it removes the noise of when you added fresh cash. Even if you're DRP-focused, knowing if your concentrated picks are organically outperforming a broad index like BGBL/IVV is key to justifying that concentration risk over the long term.

Jealous_Bookkeeper20

If you are moving towards growth, BGBL or IVV are both solid for diversifying away from the ASX concentration. Since RIO/TLS are already \~47% of your portfolio, adding more tickers like QAU might just clutter the portfolio without providing significant risk-adjusted benefit. Focusing your $1000 on DHHF or BGBL to smooth out that idiosyncratic risk seems more robust. On the TWR point -- it is less about dollar gains and more about understanding if your active picks (RIO/TLS) are actually generating alpha over a simple total market index after accounting for the timing of your DRPs.

Fickle_Radish2418

I have * **RIO:** 25.56% * **TLS:** 21.74% * **IOZ:** 15.51% * **NDQ:** 13.49% * **DHHF:** 11.39% * **GHHF:** 10.70% Looking at adding QAU unless someone has another recommendations and trying to decide between IVV and BGBL I won't sell RIO, TLS, GHHF but could be convinced. Im looking at putting another $1000 in and wondering where? Thank you

MONGSTRADAMUS

I have been looking at dfus as a good cheap option , that should be close to vti with out the ipos and filters for profitability . I don't even know what I should do with my vti in my brokerage accounts, just start buying dfus going forward. Also isn't SP500 supposed to not allow ipos for 6-12 months, so VOO/IVV/SPYM should be somewhat safe to keep holding some of this stuff I am still trying to wrap my head around.

ServerTechie

Well my 401K is a boring target fund, not a lot of choices there. But it's been DCA'd for a long time with ups and downs before, no sense in flipping the script now. Depending how long you've been putting money in S&P that's probably the way to go, just stay the course on a reoccurring schedule. For my personal Roth though, I've been debating selling IVV in favor of FNDX. FNDX can outperform in a bear market, it uses RAFI Fundamentals to select its stocks. I've had excellent performance with RAFI for international equity: FNDF and FNDE. I'm also annoyed that Nasdaq changed the rules for the SpaceX IPO, so if S&P changes their rules too that might be the incentive I need to switch to FNDX.

Uniquename34556

Looks like you’re investing in a lot of individual stocks. Standard advise is invest in an index fund in a Roth IRA. You can open one up on vanguard or fidelity and just put it in VOO, IVV, or SPY. These are called ETFs and follow the S&P 500 which are the top 500 companies in the US. It’s self managed (think way smarter than us in general) and they only take $3 for every $10,000 you invest (expense ratio) per year. It’s ridiculously cheap. Historically the S&P grows 10% a year (some years are lower some are higher). This is your low risk option. Mid risk option include other ETFs that focus on growth, tech stocks, etc. High risk is you learn about and play around with options (puts and calls basically betting that a stock will go down or up within a certain amount of time). It’s a glorified roulette table. This is gambling and many of lives and loved ones have been ruined by this. I’m simplifying things but I hope you get the idea.

myrrhsea

If permanent life insurance is that thing where you put money into it, *more* as you get older, and then you can pull it out as a cash benefit, I'd say run to the hills. These grow more slowly than the market average and get progressively more expensive as you age. The main selling point is that it's cheap now when you're young and healthy (and naive). If the best selling point is a sense of urgency, is it a great idea? If they're selling you relief from potential FOMO, is that the same as relief because you made good choices managing your money? Guess what is equally cheap, doesn't get more expensive to contribute to as you age, and historically yields higher returns? Furthermore, you can manage it yourself and avoid fees for managed or guided investing. SCHB, VTI, ITOT, or VOO, SCHX, IVV, SPYM, etc. aka. the total U.S. market or the S&P 500. And you don't need all of those, you can just pick one. Or pick VT for the whole world market and chill.

meandjarvis

If this is money you won't need for 10+ years, VOO is a massive upgrade over USFR's declining yield. Don't overthink it, people who "continue researching better options" often end up sitting in cash for years while the market runs away from them, or end up worse off than simply putting money in VOO. Keep 6-12 months expenses in something safe like USFR as an emergency fund, move the rest into VOO, and stop looking at it. I spent years cherry-picking stocks thinking I could find something better than the index. Eventually quit all that and just started DCA'ing into IVV (same thing as VOO basically). It's been about 2 years now, market went up and down, and my return is on track for the historical \~10% annual average. But the best part isn't the return, it's the peace of mind. I don't check tickers anymore, I don't stress about earnings calls, I just let it run. That mental bandwidth alone was worth the switch.

D_Pablo67

It is important that you invest. Start by building up a base with an S&P 500 ETF like VOO, SPY and IVV. Get that to $20,000 and use it as a solid portfolio foundation. Just let it grow. Then, look at some higher growth stock ETFs and individual stocks with long term earnings power. For ETF, I like Wedbush Dan Ives AI Revolution (IVES). My largest individual stock holdings are NVIDIA, Comfort Systems, Crowdstrike, Broadcom, and Goldman Sacks. I periodically buy on pull backs, but mostly let them grow. If you want to gamble after doing this, try deep in the money call options timed around an event like an earnings report or election.

D_Pablo67

Exchange Traded Funds were developed after mutual funds. Index funds are ETFs based on an index. S&P 500 ETFs are VOO, SPY and IVV. NASDAQ 100 ETF is QQQ. S&P 600 ETF (profitable small caps) is IJR. Russell 2000 ETF (small caps) is IWM.

da6id

GameStop was removed from SP500 VOO back in 2016 and never made it in since then during the short squeeze. VOO requires 4 quarters or GAAP positive earnings so it's possible SpaceX doesn't get there for many years unless they manage to get VOO/IVV rules changed

meandjarvis

Yes, start now. At 18 with even $50/month into an S&P 500 index fund, you'll have more at 40 than most people who started at 30 with triple your income. Time is the one advantage you have that money can't buy. If I were you, I wouldn’t pick individual stocks, buy SPY, IVV or VOO, set up auto-deposit, and forget about it. The app matters way less than the habit.

blueberrybasil1

I bought more IVV too along with some AMZN.

prattbatt

Bought more IVV, Apple and Nvidia

Gimme_All_The_Foods

You can definitely do that. I personally use ETFs since they have a lot more options. Here's a nice table to bookmark: [https://www.bogleheads.org/wiki/Tax\_loss\_harvesting#Substitute\_funds](https://www.bogleheads.org/wiki/Tax_loss_harvesting#Substitute_funds) While the IRS has yet to formally state what they consider substantial identical, I personally try to avoid switching from a fund like VOO to IVV since they follow the same index. Luckily there's a lot of very similar funds that track different indexes, so I TLH to those first. You don't need to wait any days either. For example, if you purchase 10K of VTI and it drops 3K, you can immediately sell it and buy something like VOO and reap the harvest with no issues.

meandjarvis

QQQM = betting that tech dominance continues forever. VOO/VTI = betting that the US market broadly continues. For 20+ years, QQQM's concentration in tech is both its strength and its risk. If AI delivers, you win big. If it's the next dot-com, you eat a lost decade. I go with IVV (S&P 500) rather than QQQ. Even though I am very optimistic and believe in tech dominance, but still I'd like to have some balance to make me sleep better. IVV has enough tech exposure already. Diversification isn't about maximum returns. It's about surviving whatever comes.