IVV

Fuzzy_Strawberry4792

Yeah the main thing is FXAIX only trades at market close while IVV you can buy/sell anytime during market hours. For long term buy and hold that doesn't really matter though - just set up auto investing with FXAIX and forget about it

Ok-Constant6488

They’re basically the same bet (S&P 500). The ETF or mutual fund wrapper is a minor difference. FXAIX (mutual fund) \* Lower ER (0.015% vs IVV \~0.03%) \* Great for set-and-forget: automatic investing, exact dollar amounts \* Trades once/day at NAV (less “messing with it”) IVV (ETF) \* Often a bit more tax-efficient in a taxable account (ETF structure tends to avoid capital-gains distributions) \* Trades intraday, has bid/ask spread (tiny cost, but real) \* More portable if you switch brokerages If you want to have more details gave a look at this comparison , got my partial insights from there [https://pinklion.xyz/tools/etf-compare/FXAIX/IVV](https://pinklion.xyz/tools/etf-compare/FXAIX/IVV) **Rule of thumb** **\* IRA/401k/Roth:** pick **FXAIX** (cheaper + easy automation). **\* Taxable brokerage:** **IVV** can be slightly better for taxes/portability; difference is usually small if you just buy/hold. Either is totally fine long-term the bigger driver is staying invested.

rocknroller2000

One thing to consider is that mutual funds, especially brokerage house ones like fxaix, are not portable to other brokers. Should you ever need to , or desire to move those funds to a different brokerage, your only option is to sell them and deal with any tax implications as a result of that sale. With most s&p etfs like IVV or VOO (my personal preference), etc, they are completely transportable between firms.

SnS2500

IVV is better for taxes. ETFs are a growing phenomenon, mutual funds are a shrinking one. Besides that, this is this most trivial choice you will make in your entire life.

Machine8851

FXAIX is a little cheaper and the performance is updated after the bell. IVV is an ETF so you see everything in real time. I prefer FXAIX a little more.

Jajuyns

FXAIX: Lower expense ratio and very easy to automate, making it a strong choice for long-term, hands-off investing—especially in retirement accounts or if you plan to stay with Fidelity.IVV: Slightly more tax-efficient by structure, tradable intraday, and easier to move between brokerages—better suited for taxable accounts or investors who want flexibility.

airbud9

You are confusing a few terms. They are both index funds, and both following the same index (S&P 500). FXAIX is a mutual fund while IVV is an ETF. There are some differences with the ETF and mutual fund distinction but in a practical sense it makes very little difference. The two funds should perform extremely similar before expenses and FXAIX is .015 basis point cheaper of an expense ratio.

CHL9

I would do IVV/SPLM, QQQM, or SCHG. If there’s a crash in the timeframe you get it I’d scoop TQQQ. 

Gorgenapper

I don't know how people don't at least build up a large position in low cost ETFs like VOO or IVV **before** doing stupid plays. Get compound growth working for you as the slow and steady backup plan first, I mean, why does it have to be all or nothing? 95% into ETFs like a good boy, and 5% into absolutely stupid 0DTEs in the off chance you bet right.

AlfredoAllenPoe

Both are fine. The tiny margin is negligible as they track the same index. VOO is just bigger than IVV, so more people are going to recommend it. More people are familiar with VOO than IVV. Traditionally, SPY was the main S&P 500 fund, but they have higher fees. VOO was the first fund to undercut SPY, so they are the most popular. It's the lingering effects of their Blue Ocean advantage.

SharestepAI

Why specifically Vanguard's VOO, and not, for example, iShares IVV, which serves an identical purpose, has an identical expense ratio, and has even returned a tiny margin higher over 1y?

Lakeview121

VGT is a good fund. I’d leave it there and diversify funds going forward. Maybe go with an s@p500 index fund going forward, like VOO or IVV.

PalpitationSmooth992

holy after hours 17m VOO 15m IVV 5m SOXL 2m QQQ the rest is leveraged inverse etfs weed crypto and small cap stocks top is in for large cap tech especially semis 2026 the year of the RUSSELL

NegotiationWest6381

Honestly from everything I’ve looked into regular independent investors can’t buy into OpenAI directly. It’s not a public company, and the only people getting a piece are huge firms like Microsoft and SoftBank through private funding rounds. The closest way for us “normal people” to get in on it is just buying Microsoft (MSFT)since they’re the biggest investor and basically tied at the hip with OpenAI. If you want even easier exposure ETFs like VOO, IVV, QQQ, or VTI all hold Microsoft as one of their top positions so you get indirect OpenAI exposure that way. But yea there’s no legit way for retail investors to buy OpenAI shares directly right now. Anything claiming they can get you OpenAI stock is most likely a scam.

MarkT1065

SPY is 0.09% expense ratio. IVV is 0.03%. SPY is for options. You said "core holding", so go with the lower expense alternative.

MarkT1065

SPY is for options and IVV is for holding due to expense ratios. .009 vs .003

MarkT1065

You said "core", so not SPY because it's expense ratio is 0.009 whereas IVV is 0.003. SPY is for options trading.

CycleApprehensive539

>The SP500 index funds need to buy roughly 16 million shares (approx. $7B) by Dec 19. **They can't buy yet**, so arb desks will be buying Monday to warehousefor them. Does he mean these guys are buying by Dec 19th? * VOO * IVV * SPY * FXAIX * SWPPX * VFIAX But they can't buy it yet? Can someone or u/dowgy demystify this? Thanks

TheInkDon1

Good question: I'm in between. Let me explain. Over the past 20 years I've sworn off stocks for ETFs so many times I can't count. And always for the same reason: *single-issue risk.* What it that? Musk tweets something stupid, Tesla drops 10%. Oracle doesn't meet expected earnings, it drops 15%. Enron, "the smartest guys in the room", weren't: bankruptcy. **So since March I've only done ETFs.** If you ever catch me trading a single stock, I want you to shoot me. Please. And sure some ETFs have big drops, but they're ones I don't touch: crypto and cannabis. Other than that, ETFs just don't move that quickly. And why? Because they're baskets of stocks, right? (For the most part.) So if an ETF holds 100 stocks, and one goes to zero, how much should the ETF drop? Just 1%. (Aside from sector-sympathy that might drag some of the others down too.) Why don't I use SPY and QQQ and the like? 1 - because I'm not an indexer by nature, because: 2 - I like to find things *that are going up*, and trade those. But don't get me wrong, if SPY or QQQ were going up fast enough to screen-in to how I screen, then I'd trade them. I recently traded IWM, the Russell 2000, because of that. Now maybe let me expand your mind a bit: *Do you know how many ETFs there are in the US?* **4,300!** Four **THOUSAND** and three hundred. But you only hear about a dozen of them, don't you? VT, VTI, SCHD, VOO, IVV, VXUS, maybe ITOT, like that. *Did you know that* [momentum in equity prices persists](https://www.sciencedirect.com/science/article/abs/pii/S0927538X18303998?via%3Dihub#preview-section-references)*?* It does. For 1, 2, 3, even 6 months or more. Now, what if we put those 2 things together and looked for **ETFs with momentum**? And then instead of *buying* them, buy **LEAPS Calls** on them. Deep ITM LEAPS Calls act as *share substitutes* and give us **leverage**. Let me know if you're interested in hearing more.

AluminiumCaffeine

Feels good to crush IVV ofc, but it is a little grinding to have put so many hours of work and research into trading only to squeak by the MSCI ex-us this year, although to be fair I crushed them last 4 years so this is their rebound year lol... +30% ytd on ex-us who would have though

bizlososphy

Hey, congrats to your parents on the inheritance. Since they're comfortable with volatility and aiming for S&P 500-ish returns, dollar-cost averaging into a low-fee S&P 500 index fund (like IVV or SPY) within their Schwab account over the next year is probably the simplest, most cost-effective strategy. Paying an advisor for that seems unnecessary, tbh. One thought: if they're open to slightly more hands-on investing for potentially higher returns (and understand the illiquidity), some private equity or real estate syndications can be interesting for accredited investors. Just throwing it out there – it's kinda what I do. Good luck!

Ok-Lie-1582

I agree Fidelity of Schwab are better options and stick with Indexed ETFs, not individual stocks. Here’s a few of those that make up most of my Fidelity portfolio: IVV, IWY, FNCMX. It’s normal for them to ask for a social security number. As stated above, it’s needed for KYC (Know-Your-Customer which basically means the investment firm knows who you are). And a social security number is needed for Tax forms, since you are going to have to report your wins/losses to the IRS when you sell anything. So that’s another fun thing to look forward to. Best of luck getting started!

Prestigious-War3630

# What are the best stocks/ETFs should I focus on starting from next year? For some context, I'm a 16 year old Australian that's looking to invest some money into the ASX, but I'm very new to investing and have only done some research on what the stock market is like, all the different types of things I can buy, how buying and selling works etc. I have also looked into some ETFs that I think are quite good (VAS, VGS, SEMI, IVV, VHY), but now I have more money to deposit into my account, I want to begin to buy some stocks. I currently have a casual job that earns me around 300 per month, and my main goal is long term investing, and making the money growth over a long time, like 20-30 years, or maybe even 'till retirement. I have a low-moderate risk tolerance, which is why I have only chosen ETFs so far. I'm not sure where to start though, and what type of research to do. Should I look into bigger companies like NBA, BHP, Wesfarmers etc., or pick out some different types of investments like commodities for example. I'm still looking towards ETFs cause I know they're lower risk and generally grow over time, but I also want to expose my money to something higher risk with long term growth potential. The past year gold has been flying, and I've seen some people say that it will continue to have a bullish trend, so I'm also considering that as well. ASX: GOLD ETF is the primary one. Overall, I just want some help on what to buy for steady, but also occasional risked growth, especially stocks and which sector is best to buy. I'm currently still doing research, but it would also be great if anyone could help me on what type of research to do, like analyzing historical performances, or deeper statistics something like that. Thanks

throwawayainteasy

Please, tell me if ITOT is down 10%, and I sell it and immediately use the proceeds to buy IVV, how have I done anything but reduced my taxes for the year? ITOT and IVV perform nearly the same since they track very similar indices. It sounds right now like you don't understand how tax loss harvesting with index funds works.

throwawayainteasy

That is moronic advice. I sell ITOT or IVV and immediately buy the other. That locks in the losses for tax purposes while not impating my overall gains to any significant degree.

SirGlass

All the other popular ETFs are open ended funds , VOO, VTI , VUG , SCHD , IVV, ITOT, SCHB, SCHX this really just brings QQQ inline with the other most popular ETFs I really see no reason to vote no on it especially if you hold one of the above funds you already own open ended fund what QQQ wants to convert too. It cuts the expense ratio 10% ; its seems weird to complain they should have cut it more then vote no and pay a higher expense ratio

Ok_Cartoonist6749

IVV SP=0.13 Easy =13 to 20 with Float 3M n Rev=14M Fundamentals NOV 12 ER: REV increase 7% to 4.3n net loss down 27%. From non compliance to 2.5M equity compliance. Forward Guidance :On-LINE Pharmacy Q1 2026 with substantial Rev increase. Technical MC =450K EV=14.65 Rev 3.5M Annual=15.5M Cash = 3M O/S=3M Float=3M DEBT=14M. IF U N YOUR FAMILY LOVE PETS THAN CONTRIBUTE $1OO IN IVP.

GringottsWizardBank

Go with the max risk profile. It’s still quite a conservative portfolio with a roughly 5% bond allocation. The holdings in these accounts are actually quite good. Good companies with healthy balance sheets that should compound over time and a nice 30% anchor in IVV and some international exposure. People will nitpick but you can do much much worse with your money. I’ve even backtested the current portfolio makeup and it would have outperformed the market over the last 5 years.

aaron-roger

5% gold 10% cash 25% bonds 30% IVV 30% some dogshit mutual funds my parent company gets a cut for putting you into, that'll be 1% of AUM thank you

Flatrock

Yeah when I say my US holdings I mean the ETF XUU, which is simply a US index fund in Canadian dollars (it mostly holds ITOT and IVV)

sooner-1125

You are 25… just buy QQQM and IVV and let it ride bruh. Dollar cost average into your 401k. This is 40 year money. Relax

Rich-Contribution-84

When I (and most people say “VOO” casually in this context, we typically mean “The S&P 500” generally. VOO or SPY or IVV or a mutual fund like VFIAX, it really doesn’t matter - if you’re wanting to own the S&P. If you have a Vanguard account you can just set your bank to auto deposit $100 or $1,000 or $5,000 or whatever each paycheck into your account and set it to auto purchase whatever you like. If you want it to buy a specific dollar amount every paycheck, you’ll be buying fractional shares so you’ll want to do mutual funds or do an automatic investment plan. If you’re having trouble setting this up, call your broker. If you have a Fidelity account you’ll want to do FXAIX or whatever depending on what broker you use. Even better, do this in your 401(k) as a starting point for matching funds if that’s an option through work. Your 401(k) may or may not have a direct version of VOO but you can find other broad market index funds, almost certainly, in your plan.

Obvious-Hair-6778

Buy S&P ETF like IVV. The whole markets down.

Any-Log-6706

Not about it being dumb or not, you took a profit. But hopefully it’s not based on things such as rumors, headlines, “news”, etc. Saying this because imagine in 1997 when told some of us to sell AAPL (at a cost basis now of about 20 cents) because it wasn’t worth anything. I know some who did and regretted. Some did jump back in later at a higher cost basis. This isn’t the .com bubble. These companies are not the sock puppet Pets.com companies, but instead solid ones that have been around. Back during the .com days a solid company known as Corning invested heavily in infrastructure. They were called dumb, but who’s laughing now? Michael Burry today, back in the 1990s there were guys like Henry Blodget. They had a one-hit wonder and the media companies have ad space/time to sell, so they need those headlines. Ordinary capital gains at 12% since April for these companies, cool. That’ll be a net of maybe what, 9% perhaps. Maybe you’ll boost your tax bracket overall with this sale, there’s that potential consequence. But next time maybe try index ETFs instead. You could’ve made 35% since April with IVV.

rafaelrc7

Sorry, guys. I bought IVV

LickMyToesUntilIRun

Yeah absolutely not. S&P 500 like SCHX or IVV.

LessAd8017

VOO and SPY are the same thing so just VOO. QQQ is "inside" of SPY thus inside of VOO so don't do that either. IVV is just SPY therefore just VOO so don't do that either. Actually, just go back to the drawing board and try again.

Sticking_to_Decaf

=STOCKHISTORY("IVV", Settings!$D$2-7, Settings!$D$2) This returns a table of the closing prices of IVV between the dates in cells Settings!$D$2-7 and Settings!$D$2. Output is two columns and looks roughly like this: Date Close 10/23/2025 $          674.97 10/24/2025  $          680.52 10/27/2025 $          688.60 10/28/2025 $          690.34 10/29/2025 $          690.71 10/30/2025 $          683.23 I use =LOOKUP(Settings!$D$2+1, STOCKHISTORY(B2, Settings!$D$2-7, Settings!$D$2+1)) Cell B2 contains the stock ticker (like IVV). Settings!$D$2-7 and Settings!$D$2+1 give the last week or so of closing prices available. The LOOKUP function pulls just the numerical close price out of the table so that cell has only the last price. So for IVV in cell B2 the output is just $683.23. And =IFERROR(AVERAGE(STOCKHISTORY(B2, EDATE(Settings!$D$2, -9), Settings!$D$2, 0, 0, 1)), "Invalid Ticker or No Data") returns the 9-month moving average for the ticker in cell B2 with the 9-month lookback period starting with the date in Settings!$D$2, -9. For IVV the output shows 612.209.

Sticking_to_Decaf

=STOCKHISTORY("IVV", Settings!$D$2-7, Settings!$D$2) This returns a table of the closing prices of IVV between the dates in cells Settings!$D$2-7 and Settings!$D$2. Output looks like this: || || |Date|Close| |10/23/2025| $          674.97| |10/24/2025| $          680.52| |10/27/2025| $          688.60| |10/28/2025| $          690.34| |10/29/2025| $          690.71| |10/30/2025| $          683.23| I use =LOOKUP(Settings!$D$2+1, STOCKHISTORY(B2, Settings!$D$2-7, Settings!$D$2+1)) Cell B2 contains the stock ticker (like IVV). Settings!$D$2-7 and Settings!$D$2+1 give the last week or so of closing prices available. The LOOKUP function pulls just the numerical close price out of the table so that cell has only the last price. So for IVV in cell B2 the output is just $683.23. And =IFERROR(AVERAGE(STOCKHISTORY(B2, EDATE(Settings!$D$2, -9), Settings!$D$2, 0, 0, 1)), "Invalid Ticker or No Data") returns the 9-month moving average for the ticker in cell B2 with the 9-month lookback period starting with the date in Settings!$D$2, -9. For IVV the output shows 612.209.

tyler_jewell

If you don't mind capping your upside, consider buying a deep ITM covered call. Using IVV as an example, you can buy a covered call expiring in 14 months at a $335 strike for about $322. You would earn about $9 in dividends over the coming year as qualified dividends. So $13 in profit, $9 in dividends would be just under a 7% rate of return. And, you would have about 50% downside protection from a stock market drop. If the market crashed in the next year you would own IVV at half its value and your capital would still be preserved. The only challenge that you have to manage is the dividend distributions. If the upcoming dividend is larger than the remaining intrinsic call value remaining then your shares will be called away before you get the dividend. This is easily managed by rolling the call value out further in time.

throwawayainteasy

People keep talking about perpetual bubbles and the market being irrational and all but... Is this just normal and expected given the rise of passive index investing? IVV and VOO and the like are some of the biggest funds now. And because of it, normal market mechanics like "price discovery" aren't as impactful as they used to be because so many people "buy the whole index" no matter what. Sure, there might be big short term movements like on Liberation Day.or during COVID, but both were relatively short and neither were catastrophic. Extended duration down markets might not be feasible anymore. What I'm saying is Bears might be going extinct. Jack Bogle killed them.

dbasea

Given your limited time and long runway, I’d simplify by capping any single stock to <5% and gradually moving those into broad, low-cost funds (either a target-date fund in the plan or a 2–3 ETF core: total US, total international, and bonds), cut overlap (IVV/VOO, QQQ/QQQM), watch the heavy tech/SMH tilt, and set auto-rebalancing; you can find more info at mr-profit com.

Awkward_Basis7533

People own stocks as part of a portfolio right? So what’s the difference between $100K in IVV/QQQ and $100K spread around as you choose w $6K in PLTR? Voting rights.

Awkward_Basis7533

Got it. So if it’s in a fund you’re absolved of responsibility? You know that the SPY500 is the 6th largest institutional holder of PLTR holding 27M shares right? You’re ok being complicit in little bites (say unknowingly) but it’s wrong if you do it willfully? But let’s say now you know - are you going to get out? It’s even heavier in VTSAX, QQQ, IVV, etc. Broad market funds are trying to make $$ we’re just our own fund managers. Anyone claiming any moral high ground is either A. Correct or B. Not making anything. It’s just too muddy.

PantsMicGee

Congrats! You have 500k to park in VTI/VOO/IVV and chill.  You also have free tax on gains for life or 3MM, whichever is the lesser.  Enjoy!

Str8truth

Many investors have started to rotate out of large cap funds and into small and mid cap funds, because the large caps have gotten so highly valued. Also, the prospect of lower interest rates is brightening the outlook for smaller companies that rely more on debt financing than equity financing. FMDE is a solid mid cap fund. I recently bought its small cap sister fund, FESM. I like that these funds are actively managed, not just tracking an index, because I think you need to be choosy when investing in smaller companies. IVV and SPY track the S&P 500, which is an index of large cap stocks. So many people buy shares in those stocks that their share prices have gotten expensive relative to the companies' profitability and growth. Many investors are broadening their portfolios to smaller companies and non-US stocks.

SnS2500

\> What’s appealing about FMDE vs IVV or SPY? It's a different group of stocks, midcaps versus large caps. If the advisor thinks midcaps will outperform going forward, that is their job, to decide stuff for you. However, while picking midcaps for some of your holdings is a reasonable idea, you could ask why FMDE versus FRTY. FRTY has done +27% the past year to FMDE's +9%. XMMO is another option.

Open-Fieldbook

# Portfolio Considerations[](http://localhost:8501/chat#portfolio-considerations) **Given your concern about position count, consider consolidating around your highest-conviction ideas.** $RIG (offshore drilling) faces structural headwinds from energy transition policies and volatile oil prices—this position appears speculative rather than strategic. **Selling $RIG could fund additional $IVV accumulation**, restoring your core allocation while maintaining exposure to energy through the S&P 500's diversified holdings. **Your planned $XPEL position deserves scrutiny before initiation.** At a P/E near 37 and P/S around 5.8, you're paying a significant premium for a company with 11% net margins in a specialized but competitive automotive aftermarket. While $XPEL demonstrates strong fundamentals (ROE of 21%, minimal debt), the valuation leaves little room for execution missteps. Consider whether this capital might better serve you in $FOA or $ABL—existing positions where you've already done the diligence. **Rebuilding $IVV should be your priority.** Your admission of feeling "bad" about the sale signals psychological discomfort with your current risk profile. Dollar-cost averaging back into the S&P 500 over 60-90 days provides downside protection while maintaining exposure to any year-end rally. \- Open Fieldbook Intelligence Team

MintTrappe

Buy S&P 500 ETFs and forget about them. Seriously at least half of your money should go there and \~$7k (max it out) going into a Roth IRA, if you don't have one, open one now. Don't chase the high you will not achieve this again, keep gambling to 15% of your position at most. Uranium ETFs probably aren't going to pay as well/consistently as IVV, VOO, SPY so you should limit your position. Keep stacking, don't rush, don't get greedy or overconfident.

PM_YOUR_LADY_BOOB

In 15 years. That's just barely higher than high yield savings. Still a pretty bad ETF. Over that same time period, SPY, VTI, VT, IVV, & QQQ have significantly outperformed VXUS.

therealjerseytom

"S&P 500" isn't a stock; it's a collection of 500 different companies. Rather than you investing in each of them individually, there are companies out there that bundle them together for you. SPY, VOO, IVV, FXAIX, etc all track that index of companies. There are also variations on the theme, but SPMO and SPYI are not tracking the index itself.

MaximinusRats

I don't know what an "equity curve" is, but you can reduce volatility to almost nothing by combining a broad ETF like IVV with a t-bill fund - try 10% IVV and 90% t-bills. Its long-term CAGR will be more than 1%.

VastUnlikely9591

Hold and $695 IVV call(Highly Unlikely.)

GayPerry_86

Chat disagrees Short answer: the S&P 500 has outperformed the rest of the world over the last 5 years. • S&P 500 (IVV) 5-yr average annual total return: ~16.6% (USD, dividends reinvested, to Aug 31, 2025).  • Rest of world (ACWI ex-U.S., ACWX) 5-yr average annual total return: ~10.1% (USD, dividends reinvested, to Aug 31, 2025).  • Cumulatively, that’s roughly ~111% for the S&P 500 vs ~62% for ACWI ex-U.S. over 5 years. 

Yo_Biff

I'm a few years older than you. Started saving for retirement around 42. I'll start by saying anything you put away is better than nothing, and it doesn't have to be complicated. I would suggest reading, ***"The Psychology of Money"***, by Morgan Housel. Not an investing book perse, but a good primer on how to be a rational investor. I believe you should absolutely start with an IRA. Whether you go Traditional or Roth would depend entirely on your marginal tax rate. You can open an IRA account with Schwab, Fidelity, etc fairly quickly. As of 2025, you can contribute up to $7,000 per year. **Important** - self managing an IRA is pretty simple, but you have to transfer the money into the account and *invest the money*. You may wish to explore a a Self-Employed 401K plan too. However, the IRA is the simplest starting point, in my opinion. Low-cost, broad index funds/ETFs have been demonstrated over time to be the easiest way to invest. This involves buying funds that track things like the S&P 500, the total US market, international markets, etc. Examples of tickers for the S&P 500 are VOO, IVV, or SWPPX. I would suggest reading, ***"The Little Book of Common Sense Investing"***, by John Bogle. Whole Life Insurance is not a way I would personally go. High cost/fees. Traditionally, lower returns on investment. Really more suitable for very high income earners, in my opinion. Cryptocurrency is not a way I would go personally with retirement savings. Extremely speculative. Highly volatile. Difficult to understand. Basically, how many people do you know who gamble at casinos and get rich? That is investing in crypto for novice investors. You do need to get some idea of how much money you *need* in retirement, then how much money you *want* in retirement. You can set up a log in with the SSA to find out what your estimated Social Security benefits would be at retirement. There are calculators online that will help you estimate your needs. I personally like this one: [Financial Mentor - Retirement Calc](https://www.financialmentor.com/calculator/best-retirement-calculator). Fair warning, it can be a little titchy on a smart phone browser.

Superb_Advisor7885

IVV

svj1021

My understanding is that the S&P500 is denominated in dollars, while IVVB11 is in reais (BRL). IVVB11 specifically buys and holds IVV Blackrock's equivalent of VOO in the NYSE). This means that IVVB11 will follow the S&P500's movements, but also follow the changes in the dollar-BRL exchange rate. In this case, the S&P500 climbed 14.5% YTD, but the dollar also fell in value by close to that amount (vs the BRL) at the same time.  So the end result of those opposing effects is that IVVB11 is near 0% YTD in BRL.

JoeJimba

I posted this previously [Imgur: The magic of the Internet](https://imgur.com/a/UaPMVAo) Only changes since then are I got small positions in JXN, ROOT, RIG, and DLO and bought more FOA, CAAP, HTLD. Also sold a bunch of my IVV (S&P 500) which I feel bad about but gambling on more short term gains on more exciting stocks. May be starting a position in XPEL soon, stocks I am open to buying more of are FOA, ABL, CAAP, DLO, HTLD and ROOT, and I want to build back up my IVV.

lordturdhead

More annoying they won’t offer more options for ETFs in retirement and automated investing accounts. No VOO, no IVV, limited factor options, basically no momentum ETFs etc… extremely limited.

McKoijion

Someone doublecheck this for me: 1. Monthly and quarterly options contracts expire today. https://www.investopedia.com/terms/t/triplewitchinghour.asp https://cdn.cboe.com/resources/options/Cboe2025OPTIONSCalendar.pdf 2. Robinhood and AppLovin will be in the S&P 500 before trading starts on Monday. https://www.investopedia.com/robinhood-applovin-and-emcor-stocks-trade-higher-on-news-of-s-and-p-500-inclusion-11805185 3. Vanguard, BlackRock, and StateStreet need to make massive institutional purchases of HOOD and APP for VOO, IVV, and SPY after options contracts expire this afternoon, regardless of price.

BobtheChemist

RSP is the simplest equal weighted ETF, it would have much less of ther tech stocks compared to the IVV or such.

SirGlass

>but others say "Holding too much of your portfolio in one investment, even a diversified one, can leave you overexposed to risk. This does not really make sense , most target date funds do not hold "One investment" they hold usually some mix of USA stocks , foreign stocks , bonds This is not "One investment" it may be one mutual fund but it holds all sorts of different investments Its perfectly fine to invest in one fund as long as the fund is diversified like a target date fund is. Fore example take two portfolios 1 . VT 2. Split between VTI , VOO, QQQ, SCHG, SCHD , SPLG, IVV, VYM what one is more diversified , 1 2. holds a bunch of overlapping funds that concentrate on USA large cap stocks, just holding a bunch of funds is not diversification , you have to look at what the underlying funds hold VT is a world index fund that holds almost every public company on earth, 2 is a bunch of funds that only hold USA companies and concentrated on large cap companies. 2 is actually less diversified despite holding a bunch of funds

dvegas2000

When I started investing in the late 90's I made some poor choices as well. Fortunately I didn't have much money to lose. Started working and did pretty well in the early 2000's till the 2009 crash where my portfolio crashed as well and was down 60-70%. I think the market hit its low in March 2009. I was working ridiculous hours and wasn't devoting enough time to research the individual stocks that I was investing in. Had an "Oh shit!" moment and buckled down. Found some winners in the dustpan and brought my portfolio back to its high within a few months (there was definitely some luck involved there). I was still working 80+ hours a week and set a bunch of stop losses because the market was still frothy and I was scared something was going to happen and I wouldn't be able to attend to it. Then the flash crash in 2010 hurt me again. Everything in my portfolio sold when I was at work and I was instantly 10-15% down. I realized I didn't have the time nor energy to work and play stock picker and watcher and I was a bit disgruntled. I also had some other non stock investments go south during that time as well. I picked a few stocks- Starbucks, Apple, and Bank of America and some IVV S&P500 etf with what was left in my portfolio, but also left a whole bunch of cash on the table. I just let cash grow at some low percentage rate and slaved away at work. I was a bad and apathetic investor at that point. I basically avoided my trading platforms for a few years. Luckily I had picked an S&P 500 etf and APL. Around 2013-14 I started investing that cash back into the S&P. I realized trying to hit a home run with every stock pick was foolish. I hadn't heard of John Bogle at that time, but realized for myself that S&P ETFs were a great resource for the self-investor and they didn't have the fees of mutual funds. I put maybe 10% into a few tech companies and haven't looked back. Now I have a core of 70% S&P ETF and 30% individual stocks. I now have a lot more time for stock and investing research. The internet is such a great resource to meet other like minded people and discuss experiences, thoughts and issues around investing. It doesn't hurt that the market keeps chugging along. I try to invest with purpose and not emotion. It's hard to do, but I make much better decisions if I have a plan.

dvegas2000

IVV. S&P 500 ETF low risk average 10% return. QQQ higher risk. Individual stocks - pick your poison. What might still be doing well in 5 years and will like have a great return without changing your position - maybe GOOGL or AMZN. If you think AI train will still be chugging along TSM, AVGO, maybe NVDA.

Stephen_1984

I’m planning on buying SPTM, IDEV and FRDM for my IRA, but the market hasn’t dropped enough to buy much. My only substantial funds are IVV and CSXAX in taxable accounts. SPTM: S&P 1500. IDEV: Developed Markets ex USA. FRDM: Emerging markets ex China-like countries. IVV: S&P 500. CSXAX: S&P 500 ESG.

WhatIThink79

Buy FTEC and IVV Hedge? GLD

SnS2500

\> In my ideal world the US taxcode would allow ETFs to issue zero dividends and just reinvest any dividends I haven't really looked into it (buying and selling VOO for SPY for IVV before ex-div days?), but this ETF launched yesterday: [https://lionsharesetf.com/tot](https://lionsharesetf.com/tot) "The LionShares U.S. Equity Total Return ETF seeks to track the total return of the broad U.S. equity market. The fund is actively managed and aims to pay no dividends." "Where TOT looks to stand out from the competition is through the fund’s approach to dividends and taxes.... TOT’s portfolio philosophy focuses on not paying dividends in order to minimize overall tax drag. By doing so, the fund can mitigate the long-term tax impact that investors often see from dividend-paying equity strategies. "

BobtheChemist

They can do it, but the entire value of the S&P stocks in the US is way more than any one company can afford to buy, so no one company could buy enough to make a big difference. Even Bershire only has about 300 Billion in "cash" equivalents available, that would not even buy 1% of the entire S&P. Even IVV (one of many S & P 500 ETfs) contains over 600 Billion in assets. So companies can and some do buy stocks as part of their assets, but most only buy small amounts of ETFs, as they are harder to manage than indivual stocks (voting rights, taxes, etc).

Horror-Appeal-190

Take 80% of whatever your discretionary and throw it into something like VOO, IVV, SPY... Take the rest and bet it on black.

rzonk2

Yeah, I totally agree in general. BRK just doesn’t look fair for the specific constraints, where you can’t have things like IVV.

UnderstandingSea4745

Doesn’t it get ownership every-time in DCA into IVV?

IronyElSupremo

Yr looking for what’s called an ESG screen ETF. Besides weapons, “ESG” will include no to low fossil fuels, tobacco, and likely nuclear activity too. SPDR has a version called EFIV which is a total ESG screened version of their S&P 500 ETFs (their SPLG having a 0.02% er), .. along with iShares XVV which is an ESG version (at 0.08% er) of their IVV S&P 500 etf at 0.03% er. What remain tends to have more tech, healthcare, etc..

Heyhayheigh

Lol. Again. Diversifying is for safety and prudence. As an advisor I can tell you: we diversify to cover our asses. When a client wants to sue us for mismanaging their money, we will tell the judge: we used modern portfolio theory to cover our bases and have diversified portfolio with exposure to large mid small international bonds yada yada yada. Tried and true investing strategies and portfolio management techniques. Rebalancing on XYZ schedule, and here are the timestamps proving we did exactly what was promised. Does any of that sound like it will make you more money? Because it sounds like added effort and cost to me. It is for stability and predictability. The reality is you could achieve all of this with VOO and chill. Buy weekly. Tax loss harvest with the ITOT IVV SPLG, emergency cash with SGOV. It would just be indefensible in court for not being diversified enough. And clients won’t have the stones in a downturn to not panic sell as the sheer quantity gets huge.

Due-Sea4841

Oh dear...!!! **From Google Finance: Expense ratio 1.14%, Front load 5.75%, YTD return 7.35%, 5 yr returns 11.88%, Yield 2.46%** They took a big chunk of your money from the beginning with that Front load fee, then the high ER, and low yields created low returns over a 5 year period vs. 85-90% for the S&P 500 Index fund such as: SPLG, IVV, VOO. I would sell your Russell fund so it's cash in the account, then I would open the Fidelity Roth IRA account and work with Fidelity reps to have them get Russell to xfer the cash over to the new Fidelity Roth. Then invest in a basic broad based ETF like: SPLG, SPYG, IVV, VOO, SCHG, VUG, VOOG, VONG, etc...or VTI for all US total market. Good Luck........;+)

Difficult_Physics704

I'm running 2 UNH , 5 NVO, and a handful of a couple of others such as CGTX, NLSP, ELTP, and IXHL Along with IVV and SCHD for ETFs

Due-Sea4841

Keep cash in a HYSA to cover 6-12 months of expense, then invest what you can inside a Roth IRA for growth. Most can add $7k per year to $8k for those 50 and over. Growth ETFs: SPLG, SPYG, IVV, TCHP, VUG, VOOG, VONG, SCHG, (VOO for Boogleheads).

Respectful_Word7036

Correct. And you can repeat with ETFs. There’s only one AMZN that any investor can buy. But there’s VOO, SPY, IVV. Hell, Invesco offers QQQ and QQQM identical funds where the only difference is liquidity and 5 basis points between expense ratios

InvisibleEar

They are officially partnered with Blackrock, which has many ETFs. IVV is identical to VOO but there's no particular reason to prefer it.

Due-Sea4841

Geez, I keep hearing peeps complaining about not being able to buy fractional shares on Schwab. so why not just use another brokerage? It's so easy to setup and you can request of your assets "In Kind' to be transferred to the new account. SWPPX is fine, FXAIX. You want something more aggressive, you'll need to look at a large cap growth fund. There's actually more ETF options than mutual funds I think. SPLG, IVV, VOO, SPY, SPYG, SCHG, TCHP to name a few large cap growth. VOT for mid cap growth, etc.

Due-Sea4841

if you're younger under 50, invest in an ETF such as SPLG, IVV or SPYG, VONG for growth. 12%-15% annualized over the long term.

Due-Sea4841

In 5-6 years, if you have an Index fund like SPLG, IVV, VOO, you'll double your money. Keep plugging a way and put money in it. 5-10 is mid-long term. Short term would be a year or less.

Cruian

I actually wouldn't use either, as I personally believe better exists in the form of US total market style funds (which of be sure to pair with international as well). Sticking with S&P 500 though: for long term buy and hold, yes, VOO or IVV are better than SPY (lower expense ratio mostly). For now hands on or advanced stuff, SPY would be better.

Due-Sea4841

What are your goals? Short, medium, or long term investing? If you are employed and have earned income, you can open a Roth IRA account and contribute the maximum amount to it and invest in SYPG, SCHG, or TCHP for growth. Then also open a general brokerage account and invest in SPLG or IVV that tracks the S&P 500. This last two payout a small amount of dividends. You may also want to save 3-6 months of cash in a HYSA for emergencies. Good luck.

Due-Sea4841

Is this for your retirement, then open a Roth IRA and invest in an ETF like SPYG or SCHG for growth, 70-80%, or S&P 500 Index fund like SPLG or IVV which pay 1.2% yield. At 37 dividends aren't going to help unless it pays out 7-12% yields. Go crazy with some spec stocks like (BULL, NBIS, PLTR, RKLB, PONY, RZLV, HIMS), all related to Fintech, AI, Aerospace, and Healthcare. Good Luck.

OddDescription4523

In terms of where to put money, I agree with others that you should start with index funds, generally ones that track the S&P 500 (e.g. VOO or IVV). If you don't mind some swinging but still want the relative safety of a broad index fund, you could put some in QQQ, which tracks the Nasdaq (more tech heavy, generally faster gains but MUCH more ups and downs).In terms of how MUCH money to put in, no one can answer that without knowing how much you have saved, but in general, I'd suggest a relatively large purchase of a broad index fund to create a base of growth, and then just add regularly. Like, say you had $50k saved up. You might buy $10k of VOO, and then do $1k a month (or $500, or $2k, this depends more on how much money you have coming in than how much you have saved). You want to keep enough back that you are safe if a catastrophe struck - a lot of people recommend building up enough savings to keep yourself afloat for 6 months before you start putting money into the stock market. Even in terms of the money you end up intending to put to work, it's good to hold some back in case there's a major pullback in prices. If something happens and the market drops 15-20%, you'll be glad you have $X held back to pick things up on the cheap. So, lump sum up front, steady additions over time, keep some in your back pocket so you have the means to strike when there's a sharp downturn.

t4liff

XSP option pricing (midpoints) I'm surprised by how the options that are further out for the same strike (say 680) have a higher price per period (month/day). I would have expected the opposite, I also found this to be true on IVV options. Am I missing something? On a stock or even another index ETF (VUG), the opposite is true. The further out you go, for the same strike, you get less per period.

SirGlass

>100@ FXAIX 15 @ FSSNX 10 @ FSPSX Its fine. Also holding overlapping funds is not bad , as long as you realize they are overlapping. Some people think diversifying is just holding lots of funds so they sort of just start buying random tickers thinking they are diversifying But buying IVV, SPY, SPLG, VOO does not diversify you as they all hold the same underlying basket , its not going to really hurt you in any way though

Difficult_Physics704

What are our thoughts on Tilray as they expand their business as well as the possibility of the reclassification of marijuana? I have a few stocks of Tilray with hopes for growth. I currently only have about $1000 in my account that I have spread out over a few different stocks to stay diversified. I have been thinking that making larger, smart penny trades that I could build my portfolio. It seems that this sort of stuff "clicks" for me in my brain so I'm seeing the patterns and understanding the lingo. I also have long term investments such as Google, Intel (I think they will make a comeback), Waste Management, and ETFs: IVV and QQQM. I've also noticed that carnival just started it's uptick so I bought into them to hold for a while before selling at the next drop. I've only really been getting into this for the last month so any advice for a noob would be nice.

gamers542

SPMO isn't the complete S&P and is highly concentrated in the Mag 7. It's not that great. VOO and IVV are better.

xVeranex

Can someone help me out and let me know if I'm on the right track? VOO - 200 USD so far IVV - 500 USD so far (I plan to max out VOO instead, I was stupid and didn't realise I shouldn't invest in 2 S&P 500 indexes - I will keep this and do not plan on selling it) SCHD - USD 50 Bitcoin - USD 40 Solana - USD 15 Let me know what you think I can improve and what I should continue to do? I plan to add QQQ and VYMI next month. This has been 2 months of investing so far, and I'm 26

MsJenAniston_Yahoo

S&P 500 ETF like IVV or VOO, or growth with SPYG, TCHP. Then if you want to take more risk, tech stocks llike (INOD, NBIS, PLTR, RKLB) Good luck.

xVeranex

I just started investing at the age of 26 as well. I'm a bit late, but I put some funds into IVV, VOO, and SCHD. I'm considering adding QQQ and VTI to the portfolio soon. I've also put some funds into crypto like Bitcoin and XRP.

SirGlass

It depends what you mean by low risk tolerance In general broad basted index funds like Total USA market or Total World market are risky in the short term but low risk in the very long term , by long term I mean 30 years "Safer" investments like short term bonds are safe short term, but long term have inflation risk, meaning you could keep $100 in a bank and get what ever the rate is, you won't lose money in a crash but over 30 years that money may not keep up with inflatoin Were some broad market index fund may crash 30-40-50% in the short term, but long term will most likely have the best returns out pacing inflatoin SPY is an S&P500 index fund, if you want to do that I would choose another fund like IVV or VOO as it has a slightly lower expense ratio Personally I do this [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) As you are young you can skip bonds or only hold a small amount is the general consensus

InvisibleEar

When is poor Blackrock gonna catch a break and IVV catch up to VOO 😭

jpb1111

IVV has a 46% return in my IRA. METC 32% return SPMO 67% SMFG 65% My whole IRA is earning 22% lately.

Lakeview121

You on the right track. Max out the tax advantaged accounts then open a brokerage. You don’t have to know that much, just buy a broad based etf like VOO, VTI, SCHB, SPY or IVV. Dollar cost average what you can every month.

MoonBoy2DaMoon

“All my money” it’s hardly 5% of my portfolio? I never said they were set and forget either lmao weird assumptions to make when they conveniently prove your bias. My largest positions are IVV and VGT. What basic concepts am i not understanding? You haven’t mentioned one, besides your no free lunch comment you said twice. LOL like you’re so confused and making things up that I’ve never said. ETFs like ULTY and MSTY are for income genius, that’s why i called them income funds.. they’re for income! 🤣

Kris_Mettew

IVV and A200 already give you strong US and Australian exposure, but adding an international ETF covering Europe and Asia would diversify your portfolio and reduce home bias. Broad global ETFs smooth out volatility compared to relying heavily on single stocks like NVDA or PLTR. Focus on building a long-term structure, mostly global ETFs with a smaller slice in individual stocks you believe in and keep adding consistently.

ServerTechie

This is hypothetical I assume? I guess IVV and Apple, Microsoft, or Nvidia.

SirGlass

Some people mistakenly think diversification is buying different ETFs, however if those ETFs holds all the same things, it does not add diversification So for example buying IVV, VOO, SPLG does not add any diversification at all as they all follow the same index. Holding all three adds nothing , and there is no benefit, there is no real downside besides it just being confusing and overly complicated