MSFT

weas71

Don't get me wrong, most of my money is in index funds and long holds on safe stocks (GOOG, AMZN, MSFT, etc) but when I am maxing out my yearly contributions, a little gambling on growth stocks is fun. Am I leaving some money on the table? Maybe. If maxing out a Roth means having some fun money to play with, perhaps OP is like me, it's better to max out and play than to not max out at all. Value investing in the traditional sense is not outpacing the market these days. Cheap stocks get cheaper and its seen as a better value. While a lot of stocks are seen as overpriced, yet continue to go up.

Michigan-Magic

The continued rise of winner take all dynamics in software markets allowing for the creation of monopoly / oligopoly market dynamics that aren't easy to enforce from an antitrust perspective. Monopolies and oligopolies are very profitable. As an example, one of the big things in the MSFT antitrust case was the market share dominance of Internet explorer. The European case started in 2009. All this did was cause Chrome to become the dominant browser of choice: wikipedia.org/wiki/Usage_share_of_web_browsers America just happens to be the home of such tech companies, which partially helps explain the outperformance globally.

GreedyTexas

I was up 2,000 on my MSFT position now it’s a lost

doc_trades

I watch SPY nearly every day and it always follows MSFT NVIDIA and Apple and today it's just like nah. Nah I don't want to

doc_trades

SPY hasn't even caught up to how much MSFT and Google are dumping

CMDR_Shepard96

MSFT always dragging my port down

CMDR_Shepard96

Looks like everything is getting dumped today. Ofc I'm invested in MSFT & Gold

kal14144

Meta gonna run out of boomers eventually and Google gonna eat MSFT’s lunch. Already kicked their ass on AI and cloud will be over once Gemini finishes destroying OpenAI and they’re coming out with a desktop OS soon.

CMDR_Shepard96

MSFT & META to zero apparently

CMDR_Shepard96

MSFT back to being useless

african_cheetah

Microsoft fumbled the devices (phones) market. They had windows mobile for a long time, worked with blackberry, and a bunch of devices. They bought Nokia, but they fumbled it. It was Ballmer’s biggest mistake as CEO. He was making fun of iPhone not having a keyboard. This mistake by MSFT, cost them 100s of billions of potential revenue. Ballmer sat on the fat stack of revenue. Didn’t invest in future. Now they did get the hyperscaler chunk of market thanks to Satya going aggressive in Azure. Ballmer MSFT would have missed on Azure. Apple has a similar story, if they fumble on AI, Google will eat their lunch. Google has both Android and Chrome. They’re a hyperscaler with their custom chips, they have the DeepMind + Google brain talent. They have Waymo and can probably get into robotics too. Apple only has iPhone doing more than half its revenue. They aren’t gaining more market share. They could get into AI by partnering with OpenAI or another lab, but then they don’t get to capture the value. Someone else does.

Turbulent_Ice4138

Hey, sounds like you’re in a solid position overall — great income, a stable job, and you’re investing early with a long-term mindset. That’s already a huge win 👏 As for VOO vs VOOG — here’s how I’d think about it: **VOO** is the full S&P 500, so you’re getting a broad mix of everything — growth, value, tech, industrials, financials, etc. It’s kind of the "set it and forget it" option, and historically it’s been super reliable. Super low fees too. **VOOG** zooms in on the growth side of the S&P 500 — so more exposure to big tech and companies expected to grow faster. It’ll likely outperform in bull markets when growth is hot (like during the 2020 rally), but it can also underperform or get hit harder when growth stocks fall out of favor. Since you’ve got **time on your side**, VOOG could make sense if you're comfortable with more volatility and believe in long-term tech/growth trends (especially with AI, cloud, etc.). But yeah — it’s definitely a bit more concentrated, and you’ll feel the swings more. **On the AI front** — you’re right that a lot of the gains right now are concentrated in a few mega-cap names (Nvidia, MSFT, etc.). That can be a double-edged sword: great when those stocks are ripping, but painful if they pull back hard. **Tax-wise**, in tax-advantaged accounts (like Roth or TSP), there’s not a big difference — you don’t pay capital gains or dividends taxes there. In a **taxable brokerage**, they’re both ETFs so they’re generally tax-efficient, but VOOG might kick out slightly higher capital gains/dividends depending on rebalancing, since it’s more concentrated. Nothing crazy, though. **Mixing both?** Totally reasonable. Some people go like 70/30 VOO/VOOG, or the other way around, depending on their growth conviction. Or you could just pick one and stick to it — honestly, **the most important part is staying consistent over time.** Hope that helps — curious to hear what you end up going with!

SolomonKings7

Every dump will be re-pumped thanks to the Meme5 (MemeVDA, Google, MSFT, Meta, Amazon) + small MemeGang(PLTR and semis)

Todderoni-1

I’ll tell you what I bought, in order, starting Feb 2025: CSU UNH MSFT SHOP BLK PLTR AMD TSLA BABA VISA CEGS (And this week MU which shot ip over 10% the next day, weeeee!) The losers so far have been CSU, UNH and CEGS (to be fair, this one has upside and was the last one bought) Net gain in 2025 11.9%. Keep in mind, half of the picks haven’t been held half a year even, and they are rockin.

Technical_Cry_5878

You’re not wrong to question it. VGT’s returns have been great, but the concentration risk (NVDA/AAPL/MSFT) is real. QQQM still gives you strong growth exposure, just with broader sector diversification and less dependence on a few names. Swapping VGT for QQQM is more about reducing volatility than giving up upside. You’ll still benefit if AI keeps winning, just without all the risk sitting in one sector. Personally, I prefer keeping the core diversified (VTI/VXUS/QQQM) and saving true speculation for small side bets...things I’m also considering, like Ian King next gen coin rather than concentrating that risk inside the core portfolio.

PowerLion786

Dead money. Not enough innovation. Mind you, MSFT went through this, and they brought in an engineer to run the company. AAPL can come back, look at the history bringing back Steve Jobst.

IDrinkSulfuricAcid

Microsoft is the weakest Mag 7 right now. I'd genuinely rather buy TSLA at its current price than MSFT at its current price

Massive_Plantain3949

Rotten $AAPL will be surpassed by $MSFT very soon. Apple is not innovating.

teamyg

Covered MSFT short at 483.7 (from 489.6) and took profit.

Massive_Plantain3949

I told you: Rotten $AAPL. $AAPL will be surpassed by $MSFT sooner or later.

Cautious-Spend-2156

"Nope. If I were playing that game, I would have mentioned my portfolio. I didn't." Have to call this BS. You didn't mention it because you were trying to put him on the spot and there was no need to. Like a snake waiting to strike and rattling their tale. You know it I know it. Why not own it. If you really were curious you would have said what did you see that led you to that? "Because those individuals clearly understood why I asked the question and didn't need me to explain why it matters." No cause they puffed up your ego and justification for asking that question. They affirmed you in the way you needed. And I would say on the betting thing someone living pay check to pay check puts all their money down (like the OP said he did) has way more conviction than someone who doesn't live paycheck to paycheck and puts it all down but has a great job and a spouse to support them and isn't living pay check to pay check. The person who has less that risks more, has more to loose. You don't see that? BTW, and something you really really really don't get. Is Risk Reward. People leaving their money in right now are the riskier bet. The people pulling it out like myself are the strategic betters. We risk lack of profits. You risk bottoming out your portfolio. Our risk is lack of profits which really isn't a risk. We still have our money. You risk your portfolio. Being in the tech industry myself for over 30 years and actually living through the dotcom bubble and working in it. I have seen the circular investing that is going on first hand. I worked for a startup company that didn't make a dime and sold for 30.5 million dollars (alot back then). The company that bought them sold to webmd within a few years. Gobble Gobble Gobble. So the SP500 being driven by tech industry the way it is and its circular investing is a pattern I am familiar with. During that time I was investing 150K doing day trading making 20K a month. Unfortunately, I am older and can no longer risk that type of money. If I Could I would be day trading on MSFT that keeps bouncing between 470-490 over the past weeks. I could afford to do that and I would make a shit load of money. Perhaps I should. After all not the worst thing to have 1 Mill in MSFT stock and waiting it out if it didn't pan out. They generally beat the SP500 a lot of times. And they are not going anywhere. Had I done that today I would have cleared 20K.

Dizzy_Juggernaut_912

|Symbol|Company|Industry / Sector|Amount Invested ($)| |:-|:-|:-|:-| || |ADSK|Autodesk|Software – Design & Engineering|**$1,762.62**| |AMZN|Amazon|Consumer Discretionary / Cloud Computing|**$2,923.56**| |CCJ|Cameco|Energy – Uranium / Nuclear Fuel|**$2,059.31**| |COST|Costco Wholesale|Consumer Staples – Retail|**$1,766.52**| |MSFT|Microsoft|Technology – Software & Cloud|**$3,403.96**| |ORCL|Oracle|Technology – Enterprise Software|**$1,934.56**| |PSTG|Pure Storage|Technology – Data Storage|**$2,058.00**| |VOO|Vanguard S&P 500 ETF|Broad Market ETF (U.S. Large Cap)|**$5,727.60**| **I just invested about 21k into these equities. I have about 10% left in cash. I have about 5-6k on top of that to DCA. I'm very bullish on Pure Storage and Cameco. Wondering though if I need to diversify more out of Tech as this portfolio is pretty aggressive and I could see a scenario in which tech gets hammered this year. Although, I have a strong conviction in all of these companies and will DCA. ORCL kind of scares me a bit, but given the recent selloff I think its at a reasonable price. Thoughts?**

HaveTwoBananas

probably going to have to wait until earnings for MSFT and META to rip, they're still printing money

Potential_Vehicle535

I moved from $MSFT to $GOOG after the disastrous Sam Altman interview a month or so ago.

african_cheetah

3rd will be MSFT. Apple slowly going down.

Potential_Vehicle535

I moved from $MSFT to $GOOG after the disastrous Sam Altman interview a month or so ago.

draw2discard2

Almost 50 percent Amazon, Google, Microsoft. Not really intentional but when I have money to invest I normally put some amount into these and they have outperformed. It get especially tilted as last year I was generally piling into Google because it seemed undervalued...and then it caught up--going into the year I had more MSFT than anything else and now its Google by a wide margin.

PooPooPointBoiz

Seems like every MAG7 stock except META and MSFT have hot streaks. META and MSFT just go fucking down and up repeatedly. Making no progress. GOOGL was on a tear. TSLA had a hot streak the other month. AMZN has 3% gainer days regularly. AAPL kind of sucks actually lol, although it's been on a heater recently too. SMDH dude.

bearhunter429

#I can't believe my eyes, Microsoft is actually green. I thought MSFT didn't even know the color green. LMAO🤌

hermeskino715

So glad I got the fuck out of my MSFT puts lol

greytoc

Most people here are probably too young to remember or realize. But one of the biggest stock market crashes occurred in October 1987. Your question is interesting - but most people would have panicked - as I did following the Black Monday crash. The stock market back in 1987 is very different than it is today. Liquidity and microstructure entirely different. And friction to access the market by retail investors was much higher. Typical investments in 1987 would have been in companies that may no longer exist or have gone bankrupt. If you look at the Dow Jones constituents - stalwarts at the time like Kodak and Sears are bankrupt. In 1987 - many investors relied on mutual funds - and if I had to pick a fund in 1987 - it would have been the Fidelity Magellan Fund and/or the Janus Twenty fund. But even these funds became lackluster after the dotcom and gfc crashes. There is no such thing as simply buying and holding forever. It's a mistake that many investors make who think that stocks only go up if it's a "value" stock. People here saying things like MSFT are too young to understand that MSFT back in the mid '80's was considered speculative. There were other companies like Borland, CA, Paradox, Aston-Tate, Digital Research, Sun Microsystems, Apollo, Digital, IBM, etc. that was vying and competing to what Microsoft is today. And people suggesting Apple don't remember that Apple almost went bankrupt in the early '90s and was a struggling company in the late '80's.

teamyg

Shorted some MSFT at 489.6; it is a bait.

ItCouldBeSpam

Sold my MSFT calls too early this morning like a bitch. 🫠

Money_Term8366

MSFT reportedly planning January layoffs. Cheap labor is almost always immediately requested after and this time prolly won’t be different. Bullish af

The_Albertino

MSFT is the most confusing Mag7 currently

bb1180

MSFT is kind of obvious. As for a sector fund...FSELX. Altria would have been an excellent pick outside of the tech sector.

CMDR_Shepard96

MSFT finally stopped being a piece of shit? My April calls were -40% Now they're only -10% at least

The_Albertino

MSFT doing crazy things, I sold my calls (which were dead) at 484

GreedyTexas

MSFT is a 600% on the 480c

therossboss

MSFT you sneaky gyal

Gandalftron

Long AMZN, MSFT, NVDA, MU. About 1 million total position.  

Powerful-Plum-6473

Fun question! 58% between BTC PLTR and MSFT

VegasBjorne1

My brilliant Indian engineering friend told me to invest $1,000 in MSFT in 1987, but as a recent collage grad, I barely had $100 to my name. That $1,000 would be worth $2.3 million today! (Side note: my step-father would instead buy me one share of IBM around my birthday for few years, which really hadn’t done much but I still own the shares in physical certificates.)

The_Albertino

Bought MSFT calls Friday, watched them go -90% and cut today for -10%. That’s a fucking win

steve_b

1987 - 2005: MSFT (165x) 2005 - 3/1/2020 (Covid crash): AAPL (12.5x) 3/1/2020 - present: NVDA (14x) 28,500x $1000 => $28M

steve_b

AAPL was available in 1987, and didn't do much for about 17 years until 2004. Holding it during that period would have gained you an awesome 4.7% CAGR. OTOH, 1987 was exactly when you wanted to get into MSFT, with a CAGR of over 17% during the same period.

penguinjuice

MSFT

Original-Fish-6861

I think MSFT would give you the best return. Another good one not mentioned would be WMT.

d33p7r0ubl3

This sort of thing always happen with MSFT. People say it's a horrible stock only for it to rally 50% after a blowout earnings

lucidum-intervallum

MSFT could turn off the entire world if they liked. They will bounce back this year to new highs. Im saying at least $600 eoy.

BaronOfIce

Why does MSFT always cuck me

Oh_he_steal

BRK.A is the obvious choice. Off the top of my head after that: MSFT, MCD, XOM, GE, KO

intelligentx5

MSFT. Parlay that to NVDA

GlokzDNB

So there's this theory that there are only 2 ways to invest. Been listening to Howard marks recently where he explained this. You're after winners or avoiding losers. If you're after winners you'll buy losers too. But if you're good you'll win more than lose. If you're after avoiding losers you need low growth defensive stocks. And I think if you understand this you can think of your own goals better and adjust your strategy accordingly. If you're avoiding losers, concentration won't be a great idea. If you seek winners and you have high conviction, maybe concentrating your portfolio around fewer tickers is great. Not every strategy is for everyone. Myself I'm highly concentrated on ai and polish company CD projekt who own Witcher and Cyberpunk IP. I think of my positions like GOOG, asml, MSFT, CDR like I'm the owner of those companies. I don't hold tickers, not price. I'm just partial owner and those are my companies which I selected to own and be with them for good and for the bad. Concentration is risky but I have high conviction of their success. There's no gain without risk.

Cozyteammate

Growth is too slow to justify their valuation as attractive. Paying 37 P/E for 17% revenue growth is not cheap. It's expensive. Let's say using analyst estimates for earning growth throughout 2028: Looking forward at 2028, buying at current price: NFLX will have 24 P/E While other Mag 7 names in 2028: MSFT will have 19 P/E NVDA will have 18.5 P/E AMZN will have 20 P/E GOOG will have 21 P/E META will have 13.5 P/E You can't argue that NFLX moat is sticky Because moat of those 5 Mag7 names is as sticky as NFLX is, with much cheaper valuation compared to growth. You can use other metrics like P/FCF, EV/EBITDA, you would still get the same picture.

UltraSolip

MSFT became monopolistic. It traded more like a commodity due to it becoming essential. Their revenue was incredibly steady, and they scaled predictably. While most companies ride a roller coaster, Microsoft’s Price over Earnings was stable with slight reductions (meaning that it was attractive to buy as you can buy more shares over time). People make it sound like these tech giants had a hard time… Not everything in Wall Street has to be a casino with majority stake bag holders.

Legal_Key_5819

UNH, MSFT, alb

Sir_Richard_Dangler

My dark horse picks are META, GOOGL, TSLA, MSFT, AAPL, NVDA, AMZN

_rockthemike

I got assigned on a put credit spread on MSFT. Woke up with a “potential reg T Call”, 100 shares and using like 30k of margin, which I never do. 17 days left until expiration, too.

Life_is_too_short_

MSFT took 14 years to break even

Abject-Shopping-4492

If I did stocks I would pick MSFT, AMZN, NVDA and PLTR but I like VOO and QQQ. For 20 years I would go VOO but keep in mind IGV should do well and also AI energy companies should move in 2026.

Wowmuchrya

Repositioning out of big tech into healthcare and beat down stocks. Retail keeps stabelizing big tech and the other flow is slowly pumping up spy. Look at how Nvidia/Broadcom/Apple/MSFT sell everyday just to end flat, yet 490 other stocks are going up. Eventually there's gona be a day when the retail buy pressure on the mag7 dies down and we actually get a -2 or -3%.

MasterpieceLiving738

My thing with NBIS is that everything they do is at a loss. As soon as those contracts with META or MSFT are over, they can do all that stuff themselves for cheaper. Don’t really see anything that sets this company apart, they’re just a middleman to GPUs. Maybe I’m missing something about the business though.

No_Mission_1775

Sold 33 shares of MSFT for AMZN yesterday. Let’s see how it plays this year!

GreedyTexas

I sold them, I had 4 AVGO 1 meta and 3 MSFT. I’m going in on APP and Cat next

Derpy_Mc_Burpy

Imagine caring about PE in this clown market. NBIS lives because of AI hype. Given how much investment NVDA, OPENAI, AAPL, MSFT and basically any known tech company is dumping into AI, nbis will have a good run

taplar

A total market fund, unless stated otherwise in their prospectus, is most likely market cap weighted; just like an S&P 500 fund. So it's going to already have a larger weighting given to the large cap companies. [https://www.morningstar.com/funds/xnas/fzrox/portfolio](https://www.morningstar.com/funds/xnas/fzrox/portfolio) NVIDIA and APPL are around 6%. MSFT is 5%. Amazon 3%. So not as much of an outlier as I thought it would be. The number of holdings must be forcing them down. [https://www.morningstar.com/funds/xnas/fnilx/portfolio](https://www.morningstar.com/funds/xnas/fnilx/portfolio) NVIDIA 7%. APPL 7%. MSFT 6%. Then it starts trailing off. So the top holdings of those funds are fairly similar. Can you elaborate on what you mean by "well rounded"? That could be interpreted in different ways, such as maybe your saying you want more funds, or you could be meaning you want to have a more balanced value share between large cap and non-large cap stocks. If you mean the later, then finding a fund (or funds) that focus on medium and small, or a medium and a small, would allow you to potentially give your self more spread with your value.

JefeDiez

The only one I'm likely to keep that long is JNJ...potentially MSFT but good question

29PiecesOfSilver

In just one year SILVER has passed Berkshire Hathaway, Saudi Aramco, TSMC, TSLA, AVGO, META, BTC, AMZN, MSFT, GOOG, & AAPL and now NVIDIA to make it to #2 on the world’s largest assets by market cap list passing the $5T mark for the first time in history - Hi Ho SILVER awayyyy!

H6UEF4WU8X

ETF’s… I’d do 70% VOO, and 10% each QQQM, SHLD, and QTUM. If I had to do sticks I’d do too big to fails: MSFT, META, APPL, GOOG, NVDA. 

DarthWaq

I’m still in June MSFT calls it keeps dipping

The_Albertino

What happened at noon that MSFT decided to rip?

M15CH13F

You should Google "Opportunity Cost". It's not "winning" to sit on dead money for 15 years. Even at a modest 7% annual return that's almost 300% in lost gains, and you still would have had the chance to rip MSFT from 2016-now.

BaronOfIce

Hey my MSFT 610c 2/20 exp calls now have a greater than .5% chance of profit than before! Woohoo! Gambling win!

Ozqi

Just need MSFT and UNH to go up 15% to be in profit, surely any day now!

BaronOfIce

Thank you MSFT. Please have the same day 30 days in a row so I can break even on my 610c 2/20 exp

ev01ution

I’m all in MSFT. Don’t you dare lie to me.

alderson710

imagine NBIS being acquired by MSFT at 200$/share

Venice_LA

MSFT and NVDA look good here. just boring AF

GreedyTexas

MSFT $480c next week and META $660c this week

GreedyTexas

MSFT and META calls was so obvious

COBRA_DROGO

Has there been any updates on MSFT deal with AVGO?

LeBhikariLe

look at that MSFT spike. Lovin it

GreedyTexas

MSFT calls are about to print

Cav829

After GOOGL bols were laughed at for months only to be proven right and had everyone jump on that bandwagon leading to AMZN bols being laughed at for months only to be proven right and had everyone jump on that bandwagon, I can't wait for MSFT bols to take their turn next.

PooPooPointBoiz

Yeesh, why's MSFT shitting the bed like that. STILL a long ways down from its ATH.

therossboss

could be worse - you could always own MSFT for a long time too 💀

M15CH13F

It took those companies years to climb out of their dot-com holes. * MSFT Dot-com high was $59.97 which it didn't cross again until Q3 of **2016** * AMZN Dot-com high was $5.53 which it didn't cross again until Q3 **2008**

Expert-Dot-2646

MSFT is not doing great now, but since the current CEO took over the company has been doing very well. They’ll come up with something new to raise their value. They’re too agile and too aggressive not too.

joe4942

Unfortunately, I think MSFT is at the point where there's no alpha left and it will routinely underperform the index. Law of large numbers impacting growth, but also missing the opportunity of AI and prioritizing things like Windows 11. Google has outmatched MSFT on AI development, integration, and usability.

The_Albertino

At least NVDA had a catalyst, MSFT and AAPL are absolutely dead. We’ll see

cjorgensen

I bought AMD at $5 and sold at $12 and felt like a genius since I had over 100% return on my money. I sold MSFT a couple years back as well.

CMDR_Shepard96

Will MSFT just go to zero?

Prudent-Corgi3793

NVDA, GOOG, MSFT, AMZN, and META collectively make several billion per day and they obviously do count.

CMDR_Shepard96

MSFT. what the fuck is wrong with you

ev01ution

MSFT what are you doing

Pizza_n_Tendies

MSFT is being a turd

Krizzoo1996

MSFT rebound someday?? 😮‍💨

CMDR_Shepard96

Bought some April MSFT 500C in early December and they've done nothing but dump since. Fuck me. Just bled all the way to -30% and now idk, do I just cut my losses and go long SPY?

joe4942

MSFT red again lol.