SPYM
State Street® SPDR® Portfolio S&P 500® ETF
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I'm only riding on SPYM and VXUS right now, is that the move?
Is this the crying section of the ant casino?
Trump account deposits just dump into SPYM
Contribute to Trump accounts or just a brokerage?! 2 kids
Should I see my 3 individual stocks and buy the SP 500?
VTI or VT?? (70% VTI - USA and 30% VT - International)?
How to set myself to make best use of downturns?
Portfolio sharing and how to set myself to make the best use of market crashes?
More affordable deep ITM leaps to trade than SPY with decent liquidity?
Should I (would you) sell VGT/SMH/FTEC/XLK and maybe MGK and just buy SPYM or something else?
Looking to be a strong end of November.
Mentions
There is also SCHX at \~$30 per share that has a 91% overlap with VOO/SPYM - [https://stockanalysis.com/etf/compare/schx-vs-voo-vs-spym/?r=YTD](https://stockanalysis.com/etf/compare/schx-vs-voo-vs-spym/?r=YTD)
> are you buying a full 100 block or fractions? Buying stocks in blocks of 100 shares at a time hasn't been commonplace in retail investing for decades, dude. Likewise with trading fees. If your brokerage doesn't have fractional share investing, just buy what you can when you can. Or if you really want you can find ETFs that track the same index at a lower price per share, like SPYM.
There are alternatives to VOO that are cheaper. SPYM seems to be a good one. Lower expanse ratio, better dividends handling, current price is around $90
It looked UGLY last night but has since recovered. I was able to pickup some discount shares in SPYM. Wish I’d bought more.
From now on every dollar I put into my account is going to SPYM. Over this shit.
We have pretty similar portfolios then. SPYM is my core as well. I hold both SCHG and SPMO in my personal and Roth IRA, but I’m considering just selling my SPMO in my personal and adding it to my SCHG position. And they do have the same top holdings, I just know VGT grew more because its top 3 are heavier positions.
Are you though ? Adding VGT or QQQM will just double up the same top 6-8 holdings. SPYM is my core holding with 10% QNDX in my brokerage. My Roth is SCHG/SPMO.
If you don’t need the money hold for a rebound and then when you get back to a loss you’re comfortable with if you want to sell and put it in an etf like VOO or SPYM or something that will help you offset some of your losses over time.
Saving this for later. I went all in on SPYM this morning. With money I can't afford to loose. Green Monday yes? yes???
Went 100% SPYM cause this game is too fucking hard.
A “Trump Account” is long term seed money that grows tax-free and converts into a traditional IRA (individual retirement account) upon age 18, and is limited to broad low cost index funds (State Street’s SPYM large cap 500 at 0.02% which is the lowest). Others like the federal 529 is specifically for education, and uses a target funds that increase % in safer bonds/cash towards the due date (“freshman year”). However states may give added state tax breaks for said 529 in state. There’s also various state level programs but the bennies are only good in-state.
Right now it may be the only option but that is not by law, more due to all the fund companies trying getting their funds approved for the Trump account and other brokerage awaiting guidance for how to transfer these accounts to other brokers. [https://www.fidelity.com/learning-center/trading-investing/how-to-open-trump-account](https://www.fidelity.com/learning-center/trading-investing/how-to-open-trump-account) [https://www.fidelity.com/learning-center/personal-finance/trump-accounts](https://www.fidelity.com/learning-center/personal-finance/trump-accounts) "At launch, all contributions to Trump Accounts will be invested in the **State Street SPDR Portfolio S&P 500 ETF (SPYM)** a low-cost exchange-traded fund (ETF) that tracks the performance of the S&P 500 Index. The fund was selected to provide broad exposure to the U.S. stock market while maintaining expenses well below the statutory fee limitation. Treasury has also selected the following additional low-cost index ETFs for the Trump Accounts investment lineup: * **iShares Core S&P 500 ETF (IVV)** * **Vanguard Total Stock Market ETF (VTI)** * **State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM)** * **iShares Core S&P total U.S. Stock Market ETF (ITOT)"** [https://home.treasury.gov/news/press-releases/sb0551](https://home.treasury.gov/news/press-releases/sb0551)
Ah good shout, others mentioned SPYM as the only option so took their word for it. A few options that are all somewhat safe bets like that isn’t horrible, especially for the average clueless investor
You are not solely restricted to SPYM (you may be a robinhood but can transfer the account to Schwab or Fidelity), You are limited to low cost US index fund with expense ratios of less than 10 basis points.
Tbh, for the average American who is clueless about investing forcing them into SPYM is far from an unfavorable restriction. Elon will not be giving shit to people, btw
The downside of these accounts are that you do not get to choose where it is invested. Right now, it is automatically invested in an index fund (SPYM) and will stay there. It may change in the future but index funds generally do pretty well. When the child turns 18, it can all be converted into a Roth IRA. On a side note, this where Elon Musk is planning on giving every child in America 1 share of SpaceX next year. (Flame On)
most common suggestions I hear people say are: VOO, VT, SPYM, or VTI
The argument is frankly ridiculous. I see argument that Dell does that so he can spend money on stuff he enjoy (giving money directly) instead of paying tax (and frankly, it is not a ridiculous idea). But what kind of "taxpayer money" is given to him by him donating 250 dollars, the 250 dollar is very likely invested in sp500 in general, and so him donating the money require him to liquidate the underlying dell shares to buy SPYM.
I also switched SPYM to RSP this week, happy with it so far. These rotations are getting predictable enough for a retard like me
But what about the Trump Account holdings? The one he created for parents/kids. The holdings are initially SPYM with the ability to add on with IVV, SPTM, ITOT and VTI. All are steady in the market usually. Especially with SPYM there will be 5 years where this ETF cannot be sold in the account (there are a few limited ways but really most will not be able to do so). The others are for where more money is added to the account or for 5 years from now. Just curious. 5 years of an ETF held in place with limited options to add. Would people here recommend building a portfolio from the ETF list above?
Invest in S&P 500 ETF like VOO, SPYM, etc for long term investment, being away it can dip in the short term and take months or years to recover. If you know you need money on short demand (less than 1 week notice) invest in SGOV, VBIL, or if you live in a low income tax state consider JAAA which earns a little higher rate, but incurs more state tax, though be aware it can dip a little more, best if you KNOW you will not need to touch the money for at least a year to give it a headstart
Expand your time window a bit, look at 6 month, 1 year and 5 year numbers, if you want to be conservative invest in VOO or SPYM, if you want to shoot for bigger gains, with some higher downside odds, invest in SPMO, VFLO, FELV, GARP, just know that all of these may get hit harder in certain downturns than VOO.
This is the dumbest fucking article I’ve read in a while and doesn’t surprise me coming from raw story. It allows people to donate stocks to fund the $1000 for kids rather than money. This has been allowed at nonprofits forever. I would imagine if you got actual shares here instead of the govt just converting to SPYM for you then you could sell them and reinvest.
Stock dividends are not like bank interest. Get SGOV or a similar t-bill tool to get 3.75% interest... and/or buy VOO/IVV/SPYM for the S&P500 equity return.
“Saddled with a depreciating asset” you mean free money? And which stock is it that’s going to crash? SPCX? Dell? Which one of these, or both, have a bleak outlook? You make it sound like they’re being handed adobe or something getting crushed by AI, not booming from it. Also, I don’t think you understand the fundamentals of the accounts... newborns get $1000 in index funds AND donated stock. Your TDS clouds your ability to read and comprehend sentences. **Default Investment:** All initial government deposits and standard cash contributions (including the $1,000 federal seed deposit for kids born between January 1, 2025, and December 31, 2028) are automatically invested in low-cost U.S. equity index funds or ETFs—starting with the *State Street SPDR Portfolio S&P 500 ETF (SPYM)*. \[[1](https://home.treasury.gov/news/press-releases/sb0551), [2](https://www.chase.com/personal/investments/trump-accounts), [3](https://www.usbank.com/investing/financial-perspectives/investing-insights/trump-accounts.html)\] **Family & Philanthropic Cash:** Parents, relatives, or philanthropic cash gifts can be directed into a selection of approved, low-cost broad-market index funds. \[[1](https://www.kiplinger.com/investing/etfs/trump-accounts-we-ranked-all-etfs-available), [2](https://home.treasury.gov/news/press-releases/sb0551)\]
Genuine question: Why put the $200k in VOO when one could put it in SPYM? Same amount of capital but way more market exposure.. Aside from liquidity, I don’t see the benefit of VOO?
Ah yes they are dumping SPYM shares on them kids.
It’s invested in $SPYM, the largest 500 US publicly traded companies by market cap. If a company does poorly, the percentage of $SPYM holding that company decreases, and another company doing better increases. The criticism isn’t what investments are held in the account.
Yes, it’s invested in $SPYM, so the market cap weight is basically rotating out companies that fall in value.
I’m not saying there isn’t something going on but the investments are put into SPYM which follows the s&p500. So I’m not sure I see that being the trick unless it is simply that he wants the s&p500 to go up. I think Robinhood holds the accounts and State Street owns the etf. So maybe the conspiracy is in there somewhere. Maybe trump owns a lot of Robinhood or he has friends in State Street and this money would give them more voting rights in the companies they hold for the kids.
You sound dumb when you make this kind of comment. It goes into SPYM, no different than going into VOO.
All Trump accounts automatically get put into SPYM, which is basically an index fund tracking the s&p 500 so it's not like Trump's companies.
I see, so basically you get $1000 of SPYM and randomly get donated stocks from possibly failing companies/market manipukators? Yeah definitely a good idea turned evil that they can get buy in from parents. If you have one, it makes sense to invest in your kid and take advantage of it, but what y'all have explained is definitely insidious. Thanks for the explanation.
How would investing in SPYM do that though? It's the S&P 500
I did not know they couldn't sell for 5 years. That is very dumb, but at least it's a vehicle for parents to invest early for their kids in another way. The default position is SPYM which is solid. Hopefully the next administration can revise this and close the billionaire donation option while keeping the good parts.
SPY is for trading. SPYM for investing.
Why isn't there more options volume for SPYM? It takes less capital than SPY and has a much lower expense ration which is why it was picked for the new government savings accounts.
The accounts invest in the SPYM ETF, which Dell is a small part of.
The default investment is SPYM which is an ETF that tracks the S&P 500. It's a good investment. If you have kids that are eligible for the seed money, please claim the seed money for their sake.
The individual companies are just donated stocks by companies themselves. If it's just money you got, like this funding from the Dell's, it only can go into SPYM.
No it's literally just SPYM, please look up the most recent list. Also the individual stocks coming are donated stocks from the companies themselves.
That means the US economy is worth $0, it's invested in SPYM which is the S&P 500, which is the 500 biggest US companies. We'd be in a lot bigger trouble if they are worth $0.
This is wrong, he doesn't choose which companies it goes into. The accounts can only invest in SPYM that's the S&P 500, which is the top 500 US companies.
This is a slight mischaracterization. Dell is in SPYM, but alongside 499 other companies. So yes, a percentage of this money will serve as a sort of tax advantaged stock buy back for the dell family, but it’s not a high percentage.
Hey, saw your comment about SPYM and the lower share price for DCA. I’ve been curious about that too, especially for smaller recurring buys. Have you been using SPYM yourself for a while?
Speaking for myself, I signed up and got my daughter the initial $1000 from Treasury and have been adding since. Low income parents don’t need to know about VTI or VOO. The money is automatically invested in SPYM for them.
I sold my NVDA and AMD two weeks ago. Locked in $11k profit. Held them for almost 3 years but it was too much too look at it and not lock in. Put it into SCHB and F, as well as some SPYM
Just DCA monthly 20% of your paycheck into SPYM/QNDX and leave them there for 10 years. Your investment value will most likely double the amount every 5–7 years.
Check SPYM. Especially if you plan to DCA. It's identical to VOO, but less expense ratio and lower share cost. I like it's ~$90 share cost to DCA full shares every day or so.
No risk: SGOV (3.6% annually, ties inflation) Low risk: VT (is a bet on the world economy, which I personally wouldn't participate in) Medium risk: SPYM/VOO (bet on America) High risk: SPMO, QQQM (bet on profitability of AI/tech sector) Crazy risk: QLD, SPUU (huge short term bet on tech/America) Genuinely do not do this: TQQQ, SPXL (yoloing everything and you would lose it all in a crash)
Better choice than VOO? Maybe SPYM, FXAIX, FNILX, ETLGX (/s, mostly). If you're truly very ok with risk, FTEC seems pretty well managed right now.
I'm not very impressed by FNDB's movement since inception for its 0.25% expense ratio. A lot of FNDB's holdings are too similar to the S&P500 so FNDB moves like SWPPX and SPYM with a 0.02% expense but FNDB is more expensive and historically performs worse. VTV is a more affordable value etf with 0.03% expense. It has historically underperformed FNDB but with the lower expense and lower drawdowns VTV better justifies its function in a portfolio as a hedge. Better hedges for US large caps than FNDB and VTV are AVUV for US small cap value, VYMI for international, and SGOV for US treasuries (dry powder). There are other options not listed. A hedge should ideally offer something the threatened core does not have and that can be either tilting a portfolio toward unique defensive holdings or offering a certain liquidity that can be used at an opportune time. SCHD fills a hedge role by tilting toward fewer tech holdings that will crash at a different time from a tech crash and its dividends can be used to buy into a market correction without selling shares. Dividend etfs are not intended to be invincible and dividends are a strength during bear markets. The number of holdings in an etf whether they are 100 or 1,000 do not really matter so long as it is weighted appropriately in a portfolio. Sites like etfdb or other tools can help analyze your portfolio's holdings so you can spot if you've accidentally made something like NVDA 20% weight or something reckless. https://etfdb.com/tool/portfolio-analyzer/?etfs%5Bspym%5D=50&etfs%5Bvymi%5D=50
I’m 60% SPTM 40% VXUS in the brokerage. Roth IRA is 50% SPYM, 15% AVUV, 15% SCHF, 10% AVDV, 10% DFAE.
Because stocks go up and down so much, controlled swing trading the stock will make you more than just buying and holding. It also manages risk. Before you buy an individual stock of Company-A, already have a plan of when you're going to sell it. When it hits +20% sell 20% of the shares immediately. This ensures you're walking away with profit. Set a trailing-stop on the remaining shares at +10%. A) If the remaining shares suddenly drop from the +20% to +10%, they're gone, and again you profit. B) If the remaining shares continue to rise +30%, move your trailing-stop up to +20%. Move up the trailing stop as it rises. Do this until they sell. On individual stocks, you have to be emotionless when they sell, regardless if it jumps up from there. DO NOT chase it FOMO'ing. Always dump the profits into a long term index fund similar to VOO, VTI, SPYM, etc. If you like the Company-A, repeat this, watch the charts over the next several weeks/ months for a dip in price that lasts for over 1-2 weeks or so. Watch for the RSI to be around ~35 or lower and buy back in. You can also check the MACD and 50 & 100-day moving averages. This entry point might be higher than your original trade, but again the share price doesn't matter, because you're working with percentages. I always stick to big names like the Mag 7. Companies that I don't mind holding for awhile.
or SPYM and pay a smaller expense fee with the same if not better return
30% Cash, 15% Stock (Speculation plays mostly), 55% ETFs FLKR - ~4.75% SPYM - ~17% SCHB - ~17% SCHF - ~11 SMH - ~4.7 Roth
This thread is a “high risk” forum where people post about their bets in the market. Please don’t confuse the advice you would get here. My 2 cents. 80% of it in an index fund that tracks the S and P 500. VOO or SPYM. 20 % in some other areas that have more upside. Lots of interesting stuff here. 75% of professional hedge funds don’t beat the S and P which usually can get you 10 - 15 percent a year compounding over time. Sounds boring but deceptively good.
I've been advocating 40/30/20/10 in SPYM, QQQM, SPMO, and SNSXX lately. I have my girlfriend in it.
Trading is short-term and has a bad history crippling financial losses. Most people who do are legitimate gamblers, infrequent strategic traders, or work at a hedge fund. They rarely beat long-term investing in 5+ years. For investing (5+ years of buy & hold), get with Charles Schwab. They are an excellent investing broker with tons of educational material and have well informed customer service. The order of investing operations for full-time working adults are: - Contribute your pre-tax income to your company 401k/403B plan up the employer match. Usually between 3-6% if they offer it at all. Easy way to double your money. - Build up 3-6 months of emergency savings in a high yield savings account (HYSA) or Treasury fund with after tax dollars and after your survival monthly spending. Make sure you are getting 3% or higher interest rate currently. This will keep you from touching your investments if you lose a job or something you own breaks. HYSA examples: Marcus, Amex, Capital One, or Ally. Treasury fund examples: SNSXX, SGOV, or VBIL. Treasury funds are tax protected from city and state taxes, but you cannot access the money on the weekends. - Once your emergency saving have been built up, start investing into a Roth Individual Retirement Account (Roth IRA) if eligible. You need to have a legal tax filing job and earn less than $153k as a single tax filer. Less than $242k as a jointly married tax filer. Great for the middle class because the gains are tax free at 59.5 years old! Max annual contribution to the account is $7,500 according to the IRS for 2026. Invest into SWTSX at 80% and SWISX at 20%. Setup auto invest and focus on staying employed. - Anything extra, throw into a taxable brokerage account. Work bonus, tax return, credit card cash back, or lawsuit winnings. Invest into exchange traded funds (ETFs). Basically a group of stocks that trade like an individual stock together, and are tax efficient. SPYM or SCHB are great long-term choices. Pick one of those not both of them.
Brother, totally, specifically for this year 3/27, 3/30, 3/31 was the test. U literally are done trading for the year if u slammed it like a double down on the blackjack tables. A second day is July 28-31 which I call the Leopold day aka deleveraging event. Wall street ganged up and knew his port was levered in certain ways so the AI traded rotated out to AAPL, JPM, etc and he got margin called (but up 80% at least!) Cheers to the patient ones here waiting to pounce. Let's effing go! S&P and chill. FWIW: SPYM, IVV, VOO all have cheaper fees than SPY.
Try this strat out. Wait for VIX to breach $18.5-18.9, see if SPY/SPYM is has fallen to a discounted level. Buy leaps, check in periodically. Don't force any trades you're not comfortable with. If you feel the urge to take a screenshot to flex, consider trimming half. I stopped forcing trades and my R:R has gone up. Good luck sir! The S&P500 is going to rip with all of the 2025 capex investment!
Only thing you could consider would be small and mid cap US stocks. Even then at market weight they don’t really move the needle and SPYM is functionally the same.
We will be so green tomorrow. All the dark pools on Friday close were huge buys on indices etfs: SPY, IVV, SPYM, QQQ and DDM.
180 to SPYM, i have 120 left what do i do
After market close today, someone bought 1.49billion worth of SPYM shares and someone else bought 1.67billion of SPY shares. Either it is MM balancing the books or someone knows something.
I did a search on "zero dividend ETF" because after reading your post I was curious if such a productc existed. I found XDIV from Roundhill. It has only been around for about a year. What it does is buys the SP500 index, currently through IVV, and then sells the shares the day prior to ex-dividend and then just buys them back. Effectively that avoids dividend distributions. The prospectus says it might buy SP500 through any of VOO SPY IVV (and maybe others I'm forgetting). But current allocation I saw was IVV. I only know of SPYM that would be cheaper expense ratio.
I'm going with ET and EPD. I get paid to wait in case of a crash and $120+ a barrel oil. That's my hedge for holding SPYM. ET still has an over 6% yield, just went ex-div Aug 7 and will pay me tomorrow. It's almost all return of capital, so tax efficient. Hurts to re-invest at these levels seeing as my cost basis is less than half current price, but whatcha gonna do. EPD is under 6% now, and if I could afford the cap gains tax hit I'd consider ditching it. When I bought my yield was around 9%. They last paid me on the 14th, also all return of capital. So if there is a crash, I'll still get some payment from the midstream companies. Even if the dividend is cut it'll just buy more over time. Data centers, if there's a use for them will require a ton of natural gas. If not, people and industry will too. Then there's tobacco. During crashes people smoke up a storm. BTI is in and out of my portfolio a lot.
Thats what I did, VOO/SPYM and DDM.
99.99% of gains come from time in market. You're statistically likely to underperform broad markets like the S&P500 for example by timing when to pull. Instead of having untested AI automate your investments, learn about etfs and buy long term funds like index funds like SPYM or VT with a strong history of rebalancing for you. Vanguard, fidelity, schwab, and similar all have apps and reputable tax free accounts that can be opened. It does not typically matter whar app is used unless there are specialized conditions. Some brokerages do have extra fees for investing in certain etfs like fidelity charges extra for buying DRAM but also has a free HSA.
You are suppose to buy SPYM or VOO and look for another job.
I don't think it makes a lot of sense to buy different index funds because they are... index funds... If you have time I actually encourage you to explore different investing strategies (make sure to not blow up though). If not then probably the most important thing is to make sure you're buying a fund with low costs like SPYM instead SPY and make sure you're its in your retirement account for tax purposes (assuming it works like that in Europe as well). Still encourage safe exploration if you have time though.
Buy SPYM / IVV / VOO / SWPPX / FXAIX / SPY on bad pullback days and keep it easy. Now pay me $ for this advice. Is what I feel all of the investment groups are. They are and added expense ratio with zero guarantee. Have them print out CPA verified gains and then consider joining
Sounds more complicated than I'm willing to research, lol SPYM it is!
So if we index & chill, RVII has to beat SPYM by 4.16% every year? I'll continue index & chilling, lol Thanks for the explanation!
You're too concerned with the number of shares and average cost of your holdings. What are your percentage weights of your holdings in your account? Inspect the weighting of the stocks in your portfolio and notice the multiple bets on the same stocks like Amazon and Microsoft for example. This should be concerning because it's not something you mentioned being aware of. The selected etfs are all reputable. SPYM and QNDX are cheaper than VOO and QQQM if you're adding new shares in the future. The cost savings is not huge so nothing wrong sticking with VOO and QQQM if you prefer the cleaner portfolio. The individual stock holdings are a bit performance chasing. If you are investing long term, these look like relatively shorter term holdings compared to your etf choices.
He says broad low cost index. He never specifies an ETF. Investors use SPY, VOO, SPYM etc etc interchangeably to refer to the S & P 500.
1. NASDAQ 2. S&P 500 3. Dow Jones industrial average Those are the three most well known indices in the equities market. Look them up and learn about them. QQQ, ONEQ, QQQM, QQQE - these track the NASDAQ VOO, SPY, SPYM, SPYX - these track the s&p 500 And you shouldn't trade the djia, so I don't know any index funds that track that. All of these index funds are so that you don't have to pick winners and losers. You're just playing the market as a whole.
SPY was the first major SP500 ETF so it has some of the highest daily volume and tight spreads. Great for active trading. VOO is a mainstay with one of the lowest expense ratios making it ideal for long-term holders. SPYM is a smaller SP500 tracking ETF that is the same as the other 2 but due to it's lower liquidity it's spreads aren't as tight leading to potentially worse entry/exit prices. For an active account SPY makes sense but I'm assuming you're asking for investment as opposed to trading rationale. SPYM is the lowest cost SP500 ETF by .01% which translates to a $1/yr savings per $100,000 invested in the fund. (Assuming the same relative entry & exit costs)
SPYM isn’t more volatile than VOO it’s the same thing just with lower fees
Why isn’t it SPYM? Do you hate money?
You go this! You can only move forward. I would focus on ONLY adding to an index fund such as SPYM until you get your gambling addiction under control. Get help. I have addiction problems too and I was able to get control of my life. You can do it
Just stick with indexes for now until you get more money and more experience. I recommend SPYM, VB, and VXUS for a solid hands off portfolio. DCA into it. Don't panic sell when the market dips. Keep DCAing and you'll come out ahead when the market goes back up.
As of **July 29, 2026**, more than **7 million Trump Accounts** have been opened for children across the United States, according to the U.S. Department of the Treasury. **Government Contribution**: Eligible children born between January 1, 2025, and December 31, 2028, receive a one-time **$1,000** contribution from the U.S. Treasury. **Investments**: Funds are invested in low-cost U.S. equity index funds or ETFs (like the S&P 500) with a maximum expense ratio of 0.1%. The default investment is the State Street SPDR Portfolio S&P 500 ETF (SPYM).
If it’s actually for retirement and you’re going to hold to that, open a Roth IRA with whichever broker you want. You can put up to $7,500 per year in that which is in line with what you’re currently able to invest. I quickly looked at the funds you posted, they’re a mix of growth, value, dividends. That’s also spreading your money out a lot when you could just go with SPYM (I’d recommend that over VOO because you can get multiple shares instead of just fractional ones and that might mentally feel better, same index tracking) and VYM if you really want dividends. Just deposit money in there and buy automatically each month, set dividend reinvestment, and check back in 20 years from now. Quick calcs from AI: Assuming $7,500/year DCA’d in (e.g., monthly installments) for 20 years, total contributions = **$150,000**. Future value at different return assumptions: Assumed return End value Growth 7% (conservative) \~$330K \~$180K 10% (long-run S&P avg) \~$473K \~$323K 11.17% (SPYM since-inception)\~$546K \~$396K
I can’t ever let myself do these actions. The amount of anger I feel when I make a trade and go against literally everything my instinct is telling me to try to cover some small losses. Makes me sick to my stomach. I could never do options unless I was uber-controlled using strictly 1% risk. I am almost 40 but new to trading and I think my trading ‘maturity’ is finally coming into fruition. Basically going in 100% on NKE…. I’m about to just start DCA SPYM during these rough times. I will keep my “cash” in SGOV and do my best to set a regular trading routine of one buy per week. I will of course leave 10% to duck around with stocks and perhaps 1% to try options using covered SpY calls. Please someone stop me
It doesn’t sound like you’re investing, it sounds like you’re trading. Go put this in SPYM and walk away
VOO, SPYM, QQQM, SCHD. Take your pick
>10% developing (SPYM) Is SPYM in the UK different than SPYM in the US? In the US it is S&P 500, which is basically the furthest thing you can get from developing. >20% Nasdaq 100 (QQQM) On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense.