SPYG
SPDR® Portfolio S&P 500 Growth ETF
Mentions (24Hr)
-100.00% Today
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6 months of full port trades & Roth back to even
Started a Roth IRA and have no idea what I'm doing
Roth Picks? Starting a Roth IRA at 51 yrs (already 401 and other passive inc investments), target in 5-10 years.
PLTR & RKLB Before August ER?
Few thousand in cash saved up. Invest it all at once or spread it out?
Hi all, was wondering if I could get some advice regarding my portfolio.
DCA strategy - SCHD SPYG combined vs AMZN, AAPL, MSFT, TSLA
DCA strategy - SCHD SPYG combined vs AMZN, AAPL, MSFT, TSLA
I am putting $1000 a month into this portfolio is it good?
How I'm capitalizing on the Fed's struggle against inflation.
23 years old looking for advice on an aggressive Roth IRA allocation for retirement!
HOPE IS UP 11.37% TODAY, HAVE WE FOUND A NEW DARLING?
If you think we're in a bubble, you should short SPYG and NOT SPY.
Opinions on Building Retirement Portfolio
Letting Children Pick Stocks: Week 16 Update
Letting Children Pick Stocks: Week 16 Update
S&P 500 Growth ETFs hit record highs and have beaten SPY over 10 years
Letting children pick stocks: Week 6 update
SPYG when you already have stocks in half of their top holdings?
Seems kind of fool proof only playing this with 20% of portfolio.
What are some of your favorite etf that pay dividends?
What’s the similarity in SPY and VOO, in layman’s terms?
Questions about my Roth IRA options, reposted from /r/personalfinance.
SPYG vs VTI (etf funds onlys or any other recommendations)
Mentions
If you're invested in ETFs that track the NASDAQ 100 (example: QQQ) the seasoning rule got changed and SpaceX will be in those funds in 15 days after launch. S&P is fine because that requires I think 4 quarters of profitability which SpaceX is far from. I was in QQQ in one place and I decided to rotate out for SPYG instead.
It's all bullshit. But at the same time, SpaceX will account for like 0.1% of VOO at float adjusted market cap at expected listing in 6 months so it can't have a real of an impact. It's dumb but I wouldn't change ETF investment strategy over it. I ditched QQQM for SPYG to delay 6 months at least but with SpaceX insiders unlocking tradeable shares over a year I'm not sure the 15 day vs 6 months really makes that big of a difference.
Mostly gambling, if you want a real suggestion SPYG is the SNP growth index has a very solid track record.
You’re probably 22-ish now? I would start buying index funds like VOO, SPY, IMCG, SPYG. You’re young enough that you can build a really strong foundation and then start branching out your investments in to riskier things. Just my thoughts. The important thing is that you start investing now while your still in your 20s so that your money has time to grow and compound
Could just continuously buy SPYG to set and forget and enjoy 12-17% average return. Only downside is it doesn't give you that sweet edge of your seat thrill watching it so there's no way I'm doing that!!
That’s the mental aspect of it, and it’s very hard not to think that way… “market is making new ATHs, it can only go down from here right?” Or the inverse “Market has been bearish, but it will probably continue to go lower” I wouldn’t worry too much about ATHs unless you have concentration risk, like majority of your portfolio is in SPYG/QQQM or heavily weighted towards a certain sector. If you have a well diversified portfolio, you’ll be better off investing regularly.
NVDA PLTR RKLB OKLO NVTS SPY SPYG and a whole bunch of other stuff
SPYM or SPYG are much cheaper but also much less liquid. IWM is very liquid and about 1/3 the cost of SPY. It also outperformed SPY last year.
Just by a spread or a calendar spread. Nothing beats SPY. You can get those etfs like SPYG or XLK or something that mirrors SPY. Maybe SPYL? But this one is a leveraged etf which is only good for very short term trades.
You’re actually on a very good track — the mindset shift from stock picking → structured allocation is the big win. A few quick thoughts: • Your allocation is a bit overcomplicated. VOO + SPYG already overlap a lot (both US growth), so you’re more tech-heavy than you think • 40% individual stocks is quite high at your stage — that’s where most hidden risk comes from • VXUS addition is good — that’s real diversification If I were simplifying: → Core: VOO + VXUS (70–90%) → Satellite: individual stocks (10–30%) On lump sum vs DCA: Statistically lump sum wins, but DCA is totally fine if it helps you stay consistent (which matters more at your level). Defensive stocks (JNJ, PMI) are fine, but don’t overestimate them — they still drop in market crashes. True diversification = different asset classes, not just “less volatile stocks”. Honestly your biggest risk isn’t timing — it’s hidden overlap and complexity. I’ve been using this to sanity check allocations and see real diversification vs perceived: [https://portfoliomemo.com](https://portfoliomemo.com)
Growth funds like SCHG, SPYG, VUG, VONG, and even QQQ have a % in tech .. and tech was hit by a couple reports earlier this week, on top of other concerns. Also growth is primarily US and is helped immensely by low[ering] rates = easier financing the next big idea. Rate cuts seem on pause until maybe later this year. That said, there’s other stocks in growth funds like biotech/big pharma, communications, and, except for QQQ (and its siblings), usually banks.
>"growth-style" funds were lagging behind the market – SPYG, SCHG and the like. 'growth stocks' means 'the companies have revenue and profits growing faster than similar companies'. 'growth stock' does not always mean 'stock price grows faster than other stocks'. sometimes yes, other times no. nobody knows for certain what will be the best investment over the long-term, which is why all the professionals say to be well diversified and avoid assuming yesterday's winners will continue winning into the future. >I have 10% of my assets in SMH, and it has been performing pretty nicely, and I believe it will continue to, because there's enough demand for semiconductor products even outside of the AI bubble. that doesn't necessarily mean SMH is a good investment. look up the long-term year-by-year history and SMH has had some major crashes. https://finance.yahoo.com/quote/SMH/performance/
" "growth-style" funds were lagging behind the market – SPYG," Because it's so much mega cap tech which hasn't done as well for a bit now. People have had the "just buy mega cap tech" playbook for years now and when you look at Mag 7 over the last few years it's more Mag 2, maybe 3. Over the last 5 years you'd have been better off in McDonald's and Walmart than Amazon. "Anyone who's been looking for growth, what funds would you buy? " There's some actively managed mutual funds that focus more on small/mid growth and international that have done very well and have been helped by focusing on the beneficiaries of mega cap spending. https://www.morningstar.com/funds/xnas/hriix/quote https://www.morningstar.com/funds/xnas/obsox/quote I know people absolutely lecture any time an actively managed fund is mentioned and if someone can find a small/mid growth index ETF or international growth ETF that has done similarly then great.
I swear, most of the stuff has to be paper trading. I try not to step on anyone’s toes and I try to be polite, but come on now. Just stick to index funds. QQQ SPYG.
from what I see SPYG and VIoo are very similar They both use the same index but SPYG use only stock in the index with the highest growth. SPYG is going to be harder in a downturn. I would go with VOO and VXUS. individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? For defensive I would invest in dividned funds. That way when the market crashes and you have no cash your dividend funds would provide some income to invest when the market is down. I would invest in fund that invest in companes that pay a higher dividend because the Law requires them to. PBDC and EMO are my choices and both have yields of 9%. If you don't have money these found would provide you with income you could use for yourself or you could invest the funds into VOO and VXUS. I would with Fidelity. Been using them for years with no problem.
> Does an allocation like 40% VOO/ SPYG, 20% VXUS, and 40% individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? That seems OK to me, although I wouldn't go more than 40% individual stocks. If you're in uni, it's maybe a little early to get too defensive. I wouldn't worry too much about an index fund like VOO or SPY being overweight tech right now because that just takes care of itself over time. Money that comes out of tech has to go somewhere. The rest of your questions are just more detailed than I want to think about. No slam on you, it's just a little overly-planned for someone so young. You're at a stage where you can just chuck most of your money in a few broad-based index ETFs and the rest into a few aggressive or defensive sector ETFs.
SPYG, a sister company with more growth than VOO and lower research costs, investigates.
have you checked ETFs like ishares MSCI EM or SPYG for socially responsible options?
No it doesn't. QQQ and SPYG has their own composition rules. QQQ compositions yearly. S&P500 has a committee to determine what's included.
question does this affect ETFs like QQQ and SPYG
$VOO, $VTI, $SPYG, $FXAIX Only investing advice you’ll ever need. You can have your play around stocks, but a vast majority of your investments should be in ETFs/S&P500 funds that track the market as a whole
It's simple, no reason to overcomplicate it. Sit in growth like SCHG. When market corrects/tanks, sell off lots with losses and buy VONG. Carry forward losses, and possibly realize gains to, this adjusting cost basis. Can also rotate in SPMO, QQQM, SPYG, etc for rotation to avoid 30 day wash sale. Trick is to always have 1 of the non correlated broad market available to rotate into.
You need to get out of trading and just INVEST! EFT's would have been better FFS IYY, SPY, SPYG. Individual stocks - NVDA, UI, AVGO, MU for starters, but there are many many more. You need to stay the hell away from options man. Just use index funds, I like 1 Dow and 1 S&P personally, and a few fast movers, but in your case, you need to stay the Fuk away from high risk until you build that shit back up. Best wishes, but we all learn from mistakes. Hopefully you can make that shit back up. I took 10k out of an investment account, which led me to a $3k balance. In 18 months, I am back up to over $12k, adding only $75/week. It can be done.
I like SPYG. More attractive price than SPY or VOO
Like people are saying, put it into the S&P (VOO, SPYM, SPYG, VII, pick your poison, it’s all basically the same thing for you rn, pretty much anything vanguard or state street is pretty solid imo) don’t try active investing, for the love of god please don’t, you need to spend a lot more time understanding economics and learning how price movement and all this other crap works, for right now you are just putting your pile of money into a bigger pile of money and getting a little off the top for your contribution when someone else puts their pile in.
Hey everyone! I started up a brokerage account recently (21M). Along with a Roth IRA and HYSA. I’m still very new to investing, and specifically what to invest in. My goal is to use these investments for the long term, to just build wealth to my name for years to come. Some people I know invest in higher risk holdings to hit some home runs, but I want to shoot for singles and doubles. I have kind of a rough draft allocation setup based on my ideas. I really like the zero fee Fidelity funds. I’m going to use that as my core. I know overlapping isn’t necessarily bad? But I don’t know too much about it, or the specifics on how it could hurt/harm a portfolio. I know SPYG and FNILX, but I think it should be okay? Any advice or tips on my allocation or holdings would be greatly appreciated, thanks everyone! I’m thinking 55% FNILX 20% VXUS 15% SPYG 10% FSSNX
If that’s your goal, just wait for a pullback on SPY/SPYG and load up, set your caps, and you’ll probably hit those numbers with minimal activity/management.
Man, stop selling us products, you are in the wrong room to sell some junks. I am simple man, I go SPYG, and vanguard TDF 2060.
Investing in QQQ(M), SPYG, SPMO sort of stuff. There’s been a ton of popularity in taking uncompensated risks. We should also normalize reading the prospectus. A lot of people have no idea what they’re buying.
Flipping shares on main index ETFs. 3-5 trades per week. No options, no leverage, no shorts, just plain shares. Full portfolio each time, because I would already be investing passively full portfolio on indexes anyway. Goal is 1.35% profit per week. If you compound 1.35% every week, in a year it is a 100% gain. -2% stop loss otherwise I hold and ride. I like QQQJ and SPYG for higher movement and lower shares cost. Never enter with full size at first. I like to trickle in shares as the market moves. Going for lowest price entry I can, drawing my own trendlines for weekly lows and highs. Each trade I aim for .6% take profit. I’ve been screwed too many times playing options, playing volatile stocks, and leveraged etfs. Mainstay ETF share flipping is so much less stress.
I like SPYG the S&P growth fund. Just invest over time to dollar cost average and minimize your risk.
You guys think the consumer sentiment report is gonna cause another substantial drop? I know the preliminary is already out and it didn’t look great so I can’t tell if it’s already priced in. Anyways 0DTE SPYG puts it is.
SPYG back to levels not seen since last Friday!
FLIN SPDW SPYG. invest and chill 🍿
Yeah, I just started a Roth in hood for that 3% match on Oct. 30 and take away the 3% match and the portfolio is down 1.96%. Still have $3200 on the sidelines waiting but I only have until eoy. Playing this like my 401k so ITOT, IXUS, AGG, SPY, QQQ, QQQI, SPYG, WMT and SCHD
Firstly “dividend/safe stocks” are costing you a fortune. They grow more slowly than growth stocks and the general market. Invest in broad market ETFs (VOO, VTI, VT) and some growth stocks and ETFs (SPYG, SCHG, QQQM). There is more short term volatility but you will be wealthier in the long term. I would recommend the HSA because it’s a tax efficient way to pay for healthcare if you ever end up in a situation with high medical expenses and your insurance is giving you problems. You could also do that with your savings/investments but HSA is more efficient. I would recommend 50/50 VOO/VTI for your HSA. It’s not as aggressive as a brokerage or retirement account should be in case it needs to be used but still grows relatively quickly. I would probably stop contributing once you have enough that you believe you are unlikely to need more for healthcare (maybe $100,000) and then just let it grow on its own. Your health should be one of your highest priorities and I would not leave its fate up to your insurance.
SPYG has outperformed VUG and QQQM YTD this year, and has higher dividend than QQQM and VUG and lower expense ratio than QQQM (equal to VUG)
Not necessarily better but I would recommend adding SPYG which I believe is atleast equivalent. It offers more diversification and similar growth with lower fees.
I had mine into SPYG since beginning June, that amount is up by 20% now.
Personally am holding tiny shares of Riot, hood. The rest is in SPYG and target date funds.
SPYG, we’re sextupling by December
>Do you agree that a widely diversified ETF is appropriate for OP, even if it's SPY or VOO vs. SPYG and VOOG? Yep! Really even when we're getting into these divisions they're fine. >For me, I actually use my non-taxable accounts for more active trading and speculative , which (when I do it right) generates short-term capital gains taxable at ordinary income rates, plus interest-generating investments like cash or bonds--also ordinary income. So that leaves the dividend generators and funds that have year-end cap-gains distributions, in the taxable accounts. Ah yeah, then that makes sense. There's a good table on https://www.bogleheads.org/wiki/Tax-efficient_fund_placement that lists order of tax efficiency, and you're doing that sort of optimization but just working on some things not everyone does. >And BTW, I notice that your first point (in favor of value stocks) seems a bit at odds with the argument about dividends: don't the generally higher dividend payouts of "value" stocks create a tax drag? So: yes. The argument is a theoretical one and assumes no taxes. In a taxable account it's a bit hard to figure out which one will come out ahead (and it's always a guess anyways because we don't know how the future will go). I largely just go with a broad spectrum approach of buying everything and not worrying about it (that is, not optimizing for dividends but not avoiding them). I do have some brk/b as well though, as an example of a weird stock that is very value-oriented but also no dividends.
I bought APLD leaps and GOOG, NVDA, SPYG, and AAPL shares at April’s lows, then sold them off little by little every day to buy puts instead of calls during a generational bull run. You’ll be alright
Interesting comment. The cited value vs growth chart is confusing to me, starting with the definition of value stocks. But always good to see different analyses. Do you agree that a widely diversified ETF is appropriate for OP, even if it's SPY or VOO vs. SPYG and VOOG? You have a point on dividends given what I said. But let me add some additional context. First, since we're limited as to how much of our assets can be in tax-free or tax-deferred accounts, the question is: what's the best use of those accounts. For me, I actually use my non-taxable accounts for more active trading and speculative , which (when I do it right) generates short-term capital gains taxable at ordinary income rates, plus interest-generating investments like cash or bonds--also ordinary income. So that leaves the dividend generators and funds that have year-end cap-gains distributions, in the taxable accounts. And BTW, I notice that your first point (in favor of value stocks) seems a bit at odds with the argument about dividends: don't the generally higher dividend payouts of "value" stocks create a tax drag?
Don't know your situation but here are a couple of general observations: For people like you with long investment time-lines and not much investing experience, an ETF with mostly growth stocks probably makes sense. Growth stocks (vs dividend/income stocks, or bonds) are considered more volatile but with a long time-line you don't care that much about short-term ups and downs, and the returns from stocks in the long term is generally expected to be higher. I believe the biggest ETFs focused on US growth stocks are SPYG and VOOG, but I'm sure Fidelity has something similar. Dividends are "tax-advantaged" compared with income from capital gains or interest. So I tend to buy dividend-paying stocks (or dividend-oriented ETFs) in my taxable account (not in a Roth or conventional IRA.) Good luck!
$800k real state, $300k active investment, 900k diversified through SPYG, GLD, and a few bits in companies like GOOGL.
Personally I would choose SPLG, SPYG, or SPY itself, nothing against VOO but for those who invest over time with tidbits, sometimes it’s a good idea to “jumpstart” the investment by picking up extra buying power where you can (do not say share price matters here, they will tear you a new one). Once you get into your corporate years I highly recommend VOO or VII as they are pretty guaranteed to cover 80% or so of your retirement in full or through monthly pulls. I’d say a higher number but if you stay a normal passive investor I can’t really say with certainty that that’s what’s going to happen, but from history it would seem to place that number as a safe bet. Ultimately for things like ETF’s that track the S&P or NASDAQ or DOW or whatever, share price doesn’t mean as much, if you can do fractional investing, you could stick with VOO and receive similar returns. Ultimately this is just to say share price just looks scary to new comers, it is used as a tool for different things, if you cannot buy fractions of shares, go with SPLG/SPYG and buy full shares when you can.
See most of my portfolio is focused on tech so I’m trying to just build more into ETFs and mutual funds that are equally balanced. Some are stock heavy right now I’m focusing on VOO, SPYG, SCHG, and then I’m working on snowballing SCHD and JEPQ
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........;+)
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).
Consolidate to 70% SPYG or SPLG, 15% VXUS, 7.5% Crypto ETF, 7.5% COYY for huge 180% distributions which are paid weekly. Get rid of SCHD that Youtube'ers pump for GenZ and boomers......GL! BND......bonds?.....lol
KO, SPYG/SPLG/VOO, FBTC, and I would say intel but idk about that rn…maybe after they have a clear consolidation. You’d probably do the best by just parking/dollar averaging into those, maybe even a stock like DUK (energy), but actively investing may not be the best for returns if you’re already in a high income environment.
I'm confused. Did you buy half their house or the apartment? lol. But anyway simply DCA each month or bi-monthly to take advantage of the ups and downs in prices. And why VUG? I think SPYG, SCHG, VONG outperforms over the longer periods.
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.
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.
Hello there parent. Open a joint brokerage account for you and the spouse and invest in the S&P 500 Index such as SPLG or SPYG for growth. Then give your kid a head start in her path towards collage or higher education with a 529 college fund. Good luck.
Hi, I'm not sure which post of mine(?) or someone's you're replying to, but I took a look at SPYG for a Diagonal Call Spread (not a PMCC because its options only go out to March, 211 days). But yes, I see the 87C at 80-delta here AH on Thursday. Midpoint is now 15.15. With spot at 97.96, that's a raw leverage of 97.96/15.15 = 6.46 Multiply by 0.80 Delta to get 5.1x. SPYG doesn't have weekly options, and its options are pretty thin overall. I couldn't get good numbers here AH, so I won't try to model a Call sold against that.
Would you get the same results on SPYG? The MAR 26 87 strike is about 80 delta call (211 DTE - theta is -0.0099) is trading at about 15.50 versus about 84 for the APR 26 525 strike for VOO (about 80 delta with theta is about -0.05).
As a 23 yo, you want growth first and for most for the next 30+ yars. SWPPX is the S&P 500 index fund no? I would just go full head on in the Roth IRA and the brokerage account with either SPYG or SCHG which both are similar. Then in your early 50's start transitioning your Roth growth investments into dividend funds and/or stocks.
True, but I was thinking initially that it would be better for SWPPX to be in my Roth IRA and to have a separate brokerage account for just ETFs Cause I was also thinking to have something a bit more liquid for personal use Do you think it be better to then transition from SWPPX to a full SPYG in my ROTH IRA and to do say, a SCHG in a brokerage for something more liquid?
What are you talking about. Both SPYG and VOOG are pure equities.
Why not just go with SPYG or SCHG in your Roth IRA and skip the SWPPX mutual fund. At 23 dividends from mainstream ETFs won't move the needle. Just buy some individual stocks for dividends. Altria (MO) 6.5%; TRIN 12.5%; GOF 14.5% yields. Good luck investing and make sure to use a Fintech app such as Webull that gives you 4.0% plus 4.1% match from a promo.
That's why I'm not looking at equities, which with the other comments, if I just stick with SPYG or VOOG, should be good for me
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.
The OP is 26, so a growth ETF such as SPYG or SCHG returns on average 3-4% more on a long term basis. Just look at the 5, 10, SI performance. You find any online tools to determine which will give you higher returns. Use Morningstar or Dividend Channel.
Why do you recommend SPYG or SCHG over VOO?
Drop the SCHD, the retirees's dividend drag. Buy SPYG or SCHG for growth instead of VOO.
Pocket 10-12, and personally I’d wait a second, but throwing it into the ETF’s like VOO, SPYG, QQQ (take your pick, they’re all different brands of alcohol) could yield good returns given you wait for the bear market to stop being a little thorn in the dickhole. For rn mostly debt obligations, long term holdings, and maybe a separate fund for growth stocks. (15k etf, 15k to additional debt, 14k to growth, if no additional debt, 19k ETF, 25k to growth, more cost per share so size is pretty “even” more or less, plus PDT allows total freedom to trade.) if you have no stock experience, pocket 10-12k, put it all in various ETF’s, they all will basically track the same thing, but some will do better than others marginally, every little bit helps.
You didn't state your age or time horizon, but if you're young, just go with 60-70% VOO, and a large cap growth like SPYG or SCHG at 30%.
Eh, if you’re active in the market and can make stable gains, there’s an argument to be had that it’s not about timing the market but more so reading indicators of a PB or step down. Removing your money from the market and loading up a specific set window while keeping long term holdings under monitoring can provide high returns, possibly even double annual returns from simple things like SPYG once you’re good enough to track trends.
I never do. Just completed a six month dca into PLTR, RKLB, OKLO, SPYG and I'm currently doing a 10 week dca into NVTS, BKSY, ASTS, SYM, and RDW. I never blow my load in one shot.
15% contribution seems pretty generous, but you asked multiple people? What does your benefits program state? In your Roth IRA, I would go balls deep in a growth ETF like (SPYG or TCHP), and by a few tech stocks that are favor like (INOD, NBIS, PLTR, RKLB, BULL). You can search these stocks on Reddit and Yahoo Finance. Good luck getting rich.
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.
If you're company doesn't match, then you maybe better off investing in your own Roth IRA with a brokerage like Fidelity, Schwab, E\*Trade, T.Rowe Price, and invest in a growth ETF like (SPYG, SCHG, TCHP). Under 55 should invest in growth, then move over to something more balanced with dividends.
I wonder how old you are? I am 57 years old, but don’t know any bonds. A third of my portfolio is managed by me, presumably paying attention to trends that are important so I’m in gross stocks like SCHG and momentum like MTUM/SPMO. I also swing trade in my IRA. The rest of my portfolio is managed by a smart manager who keeps me in ETFs like SPYG, VOO, XLK and XLC.
If VOO is “too saturated” SPY/SPYG/SPLG are good alternatives that will basically do the same thing, however do note that August and September are usually the worst months for the stock market and that it is very probable to go down since we’re at ATH territory still. Any and all gains/losses made in his account makes him liable/responsible for the loss/tax on gains.
Of course, if you own SPY or especially SPYG you already have a lot of Alphabet (and Meta, and Apple, etc.)
Kinda makes me wanna hold SPY since its up like 116% over that time or maybe SPYG
AGTHX started in 73, it’s beaten the sp500 for most time periods , the last 10-15 years it’s been toe step essentially . It’s an active mutual fund that in the past was more mid cap heavy , but for a long while is squarely large cap growth . However , the fund managers still stick to having mid cap tilts, so when you compare the fund to large cap growth like VUG SPYG SCHG their median market caps are around 750 Billion and their top ten holdings are 60% percent of the fund , where as AGTHX is about 300 B market cap and 37% top ten. So it’s Morningstar 9 box style places it in large cap growth but it ends up behaving more like the sp500. You can plug these funds into portfolio visualizer and see their fund correlation, AGTHX is more related to Sp500 than VUG. All in all, its ER is pricey unless you have access to R class shares, but it has historically paid off. You most likely won’t severely underperform or over perform the sp500 in the long run .
Ahhh just as I sold my AAPL for more GOOG :( well hey at least its a big portion of SPYG I wonder if all these beats are linked to GDP beating too. I guess it makes sense right?
VTI + FBTC is a solid start. You probably don’t need a third ETF unless you want to diversify a bit more (like international or small-cap tilt). SPYG overlaps with VTI, but if it’s doing well and you like the growth tilt, no harm keeping it for now. If you want to consider managing things on your own now, check out something we have built for small portfolio managers: [www.photoncompounding.com/learn](http://www.photoncompounding.com/learn)
“I have no real knowledge of which is a good or bad stock.” Sounds like you shouldn’t be buying individual stock. Buy the S&P 500 or S&P 500 growth (SPYG) and don’t touch it.
Yes, if SPYG goes down instead of up.
Is there any way buying a SPYG call @ $100 for 8/15 can lose? It seems like a safe bet for someone trying to dip his toes into it like myself. Especially with >7% growth this past month
A good portfolio is about 50% in stocks, bonds, and real estate and international. Then, 25%+ in risky assets that are likely to grow. VTI has some flaws but it is good enough. I would add some short term corporate bonds in the mix and some international exposure. Then add a small amount of VWO and MGK into the mix. SPYG is good and can replace growth in MGK. The reason vanguard ETFs are superior is that they reinvest the stock loan interest back into the fund.
Just my 2 cents here but you could probably keep SPYG and add VOO and or VTI with 10% Bitcoin if you have the appetite for adventure. I talk to guys all the time and most have advisors. The problem is the higher your portfolio is , the fees also go high dollar wise I handle portfolios for 9 people and it takes the same effort to manage a 30k portfolio as it does a 500k portfolio. If your a set it and forget type guy ..do it yourself.
You’ve got the right idea but remember to keep things simple. You can get a lot of growth out of a simple portfolio like VT/SPYG at an aggressive distribution like 60/40 or even 40/60 over 60 years
If your goal is a simple 2-3 fund portfolio, I'd recommend selling SPYG and rolling the proceeds into VTI. This avoids unnecessary overlap, reduces complexity, and keeps your US equity exposure balanced without chasing past performance. Keeping SPYG adds a growth bias, which could amplify gains in bull markets but increase risk which is fine if you're okay with that, but not essential for long-term retirement growth in a Roth IRA. Either way, both have rock-bottom expense ratios (SPYG at 0.04%, VTI at 0.03%). There's a strong case for adding a third ETF to enhance diversification, especially since your current setup (80% VTI, 20% FBTC) is heavily US-centric and includes significant crypto risk. If you add VXUS, a sample rebalanced portfolio could be 60% VTI (US stocks), 20% VXUS (international), and 20% FBTC (crypto tilt). Or dial back FBTC to 10% if you're concerned about volatility—Bitcoin ETFs like FBTC are extremely risky for retirement accounts due to wild price swings (e.g., Bitcoin dropped 70%+ in 2022), lack of income generation, and no ability to use losses for tax offsets in an IRA. However if you are a firm believer in crypto then keep it for the upside potential.
SPYG is apparently a S&P500 index fund derivative. it has a lower dividned than other S&P500 funds which leads me to believe it is more heavily invest in the tech portion of the index. Bot this and VTI are good. But I would also suggest QQQI13%, ARDC 12%,SPYI, EIC 10%, PBDC 9% These are dividend funds and will over time greatly increase the flow of money into your Roth while you still deposit 7000 a year into the Roth. which will greatly increase the growth of your portfolio. If you don't reinvest the dividends and then spread the money equally over all of your r investments your entire Roth portfolio will benefit.
It will be probably better performance. But mostly because OP isn’t accounting for the time weighting of his returns with contributions over the 4 years. If the FA was using SPYG it was probably just a basic computerized asset allocation of index funds. Probably not worth it for the FA or the client for the account to be open. I’m sure everyone involved is happy with the decision
Your new setup is clean, but 20% in FBTC is a pretty heavy Bitcoin tilt for a Roth unless you're super high conviction. SPYG overlaps a lot with VTI, so probably redundant. What I'd think about is adding some international exposure (e.g. VXUS). Check this report on your allocation: [https://www.insightfol.io/en/portfolios/report/e112e6637c/](https://www.insightfol.io/en/portfolios/report/e112e6637c/)
Positions are mainly: NVDA, PLTR, RKLB, OKLO, SPYG with several others. Those are my winners. I have 244k in unrealized gains with those. My portfolio is 611k, with the 244k gains and 147k MMF. That's all im gonna type.
I have Vanguard's VOOG (VOO but with a "growth stock" bias) in a Vanguard account and also in an E\*Trade account. Either is possible. I recommend ETFs over traditional mutual funds for a couple of reasons, most important being the end-of-the-year cap gains distributions that mutual finds have and ETF's don't. Makes tax planning harder. VOO is like SPY and VOOG is like SPYG--practically identical and both ultra low fees. I find it MUCH easier to do research, get info or transact on the E\_Trade Website, or occasionally to talk to someone at E\*Trade (now owned by Morgan Stanley.) As others have mentioned, Vanguard's philosophy is buy-and-hold so they don't seem much interested in making trading or trade research easier. But I also find it hard to get information I need on the Website, and if you have to get something signed (like an IRA rollover) E\*Trade is MUCH faster--1-2 days vs. 1-2 weeks. I do think Vanguard is honest and reliable and very stable, however, which is why I still maintain the majority of my financial assets there.