VGT
Vanguard Information Technology Index Fund ETF Shares
Mentions (24Hr)
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Best way to start investing? App or managed account?
What are your thoughts on this Roth IRA portfolio breakdown?
What to allocate to a traditional IRA vs. keep in taxable account?
Seeking Feedback on my Long-Term Investment Portfolio - ETFs Dominant
First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution
Three Small Caps to Consider for Outsized Returns $ICS $NEVI $PMED
Am I missing something? What is the benefit of international diversification when ETFs like VXUS significantly underperform ETFs like VOO? Diversification just for the sake of diversification?
Three Small Caps to Consider for Outsized Returns $ICS $NEVI $PMED
Help in allocating funds into these ETFs from Vanguard
Can someone critique my portfolio early on going forward?
Comparison is the thief of joy but how am I doing?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Which Portfolio Mix? Will big tech continue being King?
Use "Trailing Stop Orders" to protect portfolio during a crash
Is it wild to throw all your money into AAPL and MSFT?
I wonder if Crowdfunding Real Estate investment pays better than ETFs like SCHD, OMPL, QQQ and other
[M25] International Student in the US - How to prepare to move assets overseas
Is there an international ex-US ETF that tracks technology similar to how VGT tracks in US?
Which one of the following ETFs are identical and redundant?
Is it better to invest in multiple ETFs or stick to 1?
How best to reinvest cash from dividends earned in my Traditional and Roth IRA
i primarily buy ETF but would like to add stocks to my portfolio
[QQQ vs VGT ] 30K to invest in rollover roth - confused about dividends being taxed ?
Why do people hold QQQ instead of other tech ETFs as a core holding?
Why do people hold QQQ instead of other tech ETFs as a core holding?
I am putting $1000 a month into this portfolio is it good?
On the whole, is there much argument for the market being anything but pre-COVID levels minus inflation?
Most stocks popular here are priced they were a year ago. If you were willing to buy then, why not now?
I feel like conventional wisdom is wrong, and that it’s better to buy shares of companies you believe in than sector etfs.
I feel like conventional wisdom is wrong- it’s better to buy stocks of companies you believe in than it is to go with industry indexes.
Most of my stock picks fit into VGT, but buying an ETF feels so lame. Does anyone else have any struggles with this?
Should I move an old employer's 401k into a rollover IRA? What are the implications of doing so?
Is it silly to hold both QQQ and FTEC (or VGT) at the same time?
Currently investing in high growth stocks in my Roth IRA. Is this a bad idea?
Hoping to do better this year than last... Review portfolio
Mentions
Hi, I'm early in my tech career (<1 yr) and would like to start investing for my future. I consider myself to be high risk tolerant as I still have a lot of time until I retire, and would like to focus on high growth rather than trying to be too conservative in bearish market. I'm thinking of spreading it like below: QLD 40% SCHD 40% MMF 10% (for emergency fund/easy withdrawal) VGT 10% I have no intention of pulling out QLD as its long term performance is great despite it being a leveraged etf, but am little worried that QLD and VGT has a lot of overlap.. Thought of replacing VGT with something else (e.g. vxus) but that brought the volatility down by less than 1% in trade of losing more than 1% of annualized growth. What do you think of my portfolio? Any suggestions?
Made a couple thousand on the GME squeeze in 2021. Kept buying and throwing money in it and saw red for 3 years but didn't sell. May 2024 paid me in full plus a couple hundred thousand. Fully into VOO and VGT now and never going after individual stocks again.
SPMO. QQQM. VGT. If you want international check out IDMO, but i wouldn’t count on holding that interminably.
Terrible advice. u/Asap316 , you'll be fine with what you already mentioned voo/qqq/qqqm. Whatever you do stay away from JEPI and JEPQ |Ticker|Sharpe3Y|Sharpe5Y|Sharpe10Y| |:-|:-|:-|:-| |VOO|0.61|0.82|0.73| |QQQ|0.76|0.78|0.86| |VGT|0.71|0.79|0.91| |XLK|0.68|0.82|0.93| |JEPI|0.34|0.75|0.00| |JEPQ|0.67|0.00|0.00| |FTEC|0.72|0.80|0.90| |SPMO|1.00|1.01|0.00|
The question to ask yourself is - if you weren't an employee of SBUX would you buy the stock? For me the answer is no for two reasons, a) I personally tend towards mutual funds and b) there's not lots of obvious upside for SBUX. Their boom has mostly already happened. Personally, I'd sell and buy something better and more diverse. Others have suggested VOO or VGT, but since you are at Fidelity their VOO equivalent is FXAIX.
Interestingly enough my wife was a previous manager for about 10 years and we were faced with a similar situation earlier this year after discovering that the stock had bounced around between $70 and $100 for years and we hadn't really gained anything. After discussing, we decided to move everything into VOO and VGT. That's been a great decision so far.
Nothing at the moment but probably just the VGT or VIG It doesn't but its a little difficult to get excited about less growth when you've seen btc do a 9000% growth in 8 years and was dumb enough to miss it even though you knew about it.
not so hot for 10yrs out |Ticker|Cumulative Return|$10k Invested|Years|CAGR| |:-|:-|:-|:-|:-| |SMH|825.51%|$92,551|10.0|24.92%| |VGT|513.35%|$61,335|10.0|19.89%| |XLK|506.66%|$60,666|10.0|19.76%| |BRK-B|251.54%|$35,154|10.0|13.4%| |SPY|233.61%|$33,361|10.0|12.8%| also not so hot for 15yrs out |Ticker|Cumulative Return|$10k Invested|Years|CAGR| |:-|:-|:-|:-|:-| |SMH|1,956.16%|$205,616|15.0|22.33%| |VGT|1,220.06%|$132,006|15.0|18.77%| |XLK|1,207.66%|$130,766|15.0|18.70%| |SPY|607.50%|$70,750|15.0|13.93%| |BRK-B|595.93%|$69,593|15.0|13.81%|
Common sense says hysa for the car/down payment savings. When I was doing it the first time I put all my savings in VGT and cut my timeline down by almost half. Great strategy to save up for the car. When it comes to the home, do a FHA loan and put 3.5% down instead. Sure your payment will be higher vs a conventional loan, but let the home appreciation add to your equity. You’ll be able to refinance out of PMI before you’d be able to save the $90k down payment. Then you could rent or sell your offset your next home purchase.
Hi [r/investing](https://www.reddit.com/r/investing/) I am 33 years old and would like to start investing on my own but I am pretty lost and looking for some advice how how to do this. Some advice i am looking for is some 'general rule of thumbs' where i can take X amount each month from my paychecks and invest them but not be extremely involved/obsessive about it. AKA i don't want to wake up every day and 'make moves' which i think is a pretty normal thing to expect? Here is some info about me. I am looking to take about 10k from my HYSA (3.6% rate atm) account and invest it. I currently have a Charles Schwab account and have done a tad bit. \-I max out my 401k and get company match \-I have a HSA account but not max it (i put 1,200 in a year work gives $500 - should i take a portion of my 10k and max that first?) \-The only debt i have is a mortgage (2.99% interest rate) so it seems better to at minimum leave money in my HYSA rather than pay off mortgage. \-I have about $1,000/mo leftover to invest and would like to start doing the right thing now. \-This ideally would be money for retirement so i suppose some safer and some more aggressive? I think what I am looking for are some safe stocks/index funds to invest in. Also how to go about knowing when to buy more? A friend of mine says a 5% drop from a 30 day high? Right now I have a few shares of **JEPQ and FCNTX** I was looking into **VGT** and **VOO** as well? If any more info is needed please let me know, and please don't solicit via chat with paid services. Thanks!
There is no right answer. If we knew what the right mix is, we wont be here. This is a great starting point. I would suggest you add some technology fund like VGT
SPLG QQQM SCHD FTEC is a good base to start from. All are cheap and cover the same as VOO QQQ VGT. SCHD is for dividends. The one stock I would advise to anyone is Amazon. E-commerce, robotics,AI, cloud computing, prescription drug delivery, autonomous cars, space rocket program.
I advise you include a "total market" fund or two, such as VTI (US mkt), VEA (non-US developed mkt), VWO (emerging mkt), etc. In lieu of QQQ, consider FTEC or VGT for the US tech index (both have lower expenses than QQQ). I would definitely not put 25% in BND.
Came back to stock and my portfolio is pretty similar, only missing QQQ. Coworkers told me to add VGT, VUG, VYM, and VIG. I'm more heavily invested in crypto, lol.
QQQ is not in fact tech; only about half of it is, and there are going to be some tech companies it doesn't include. If you're actually trying to capture tech companies, you want something like VGT+VOX.
Your portfolio is needlessly complex, despite having only four funds. The two S&P 500 funds are the same thing. There is no reason to have both. QQQ is fundamentally problematic because it says you believe if a company lists on nasdaq (Pepsi) it will outperform competitors who list on nyse (Coke). That's nonsense. VT includes everything in the US large cap funds at market weight already. To get what you're trying to do, all you need is: 1. VT 2. VGT or a similar tech fund for your tilt (remember that VT already owns all of these companies, so this is just _extra_ weight) If you really feel like adjusting the weighting of US/non-US manually instead of relying on market cap, then replace VT with VTI and VXUS.
I have a question that is a bit hard FOR ME to put in to words but I’ll try my best… I am looking for some kind of online tool where I can plug in my ETF PORTFOLIO along with how much I currently have allocated to each ETF and then have it break it all down and tell me how much I have allocated to each position within all my ETFs. As an example say my portfolio consists of only VOO and VGT at 30% and 70%. I Want to know my TOTAL exposure by percentage to Microsoft. This is just an example. I am of course looking to see ALL my exposure to each company within all my ETFs when they are calculated and added together. Hopefully that makes sense… I have a decent amount of overlap. I already know this but if it would help to see my overlap TOTAL for every position I have when broken down. I am aware of all the big websites…. The analyzer and screener websites. But none of them have this feature. At least not that I can find. Any help pointing me in the right direction would be a HUGE help. TIA
Investing really isn't about short term gains. While you sometimes can make money short term, investing is meant to be relatively long term. Part of why it is a good idea to start building retirement accounts young is that it can take pressure off you when you are older and have more expenses. If you put money in your retirement accounts young, that money is growing while you try to build a house down payment. If you want to use this time in your life to figure out investing, my advice would be to put $1000 in your Roth IRA and invest in a target date fund. Then put the other $200 into VOO, VTI or maybe VGT. If you're not sure how to do this, call Fidelity and they will walk you through. And then let that money sit for at least six months. The value may go down, but you don't lock in losses until you sell.
VGT is the play now...
I'm trying to do the math (and failing miserably) trying to figure out how best to sell some covered call options. Hoping someone can help shove me in the right direction. Background: I can sell 6 option contracts on VGT, and 2 on VOO. I have those ETFs in my portfolio already. My wife and I are nearing retirement, so maximizing growth isn't as important to us. At this stage, with the size of our portfolio, we would be very, very happy if our investments in general increased by 20% per year--we don't care about "missing out on upside" if our investments made 30%, 35%, 50%, etc. So, our plan is to sell covered calls with a strike price that is a number where if our shares were assigned, we would be happy because our underlying would have appreciated by an appropriate amount. Our question is: In terms of maximizing premiums using this method, in light of intrinsic value, extrinsic value, time value, etc etc....is it better to sell monthly options or yearly options? For example, as I mentioned, we'd be happy with 20% per year. So if selling a yearly option, we would set the strike price to 20% above the current ETF price. We could do the same concept for monthly options (pro-rating over 12 months), but I'm just not sure if that is the best way to maximize premium revenue in this strategy.
Go 100% equities. Whatever you select, please look into VGT / SMH Technology is the future and I wouldn't be surprised if robots were walking among us in 2055.
VOO. Maybe add some VGT or VUG to kick it up a notch
UNH will be fine. You are gambling with RDDT. Just put that money in QQQ or VGT.
The real answer is DCA into $VGT/QQQ/VOO and chill. It is possible to make crazy gains, but reporting bias on this sub makes it seem more common than it is statistically.
Lmao BTC, VGT, VOO real estate 401k snd ALWAYS have cash to buy the btc crash
VTI & VGT 60/40 split
You’d have to buy full shares of Berkshire. But you can buy fractional shares of VTI & VGT
No. VTI is the total US Stock Market. Tracks similar to the SP500, nearly identical returns. BRK.B is a single US stock, but goes wide and deep like an ETF. This is Buffet’s baby. VGT is a US tech ETF.
VTI till I die. And BRK.B…and VGT If you just do those you’ll be set.
Sure, a tech ETF with AI companies will likely do well. Just like QQQ and VGT have been doing well.
Nice job. Consider moving some of the gains to VGT and come back in 15 years.
I don’t think it will. It looks like its five year forecast is around 40%. VGT has a dividend yield of 0.52% and paid $3.19 per share in the past year, which is not that good considering it has a low yield. If you’re not comfortable buying stocks, ETF’s and mutual funds will still make you money. You’re just not going to have very big annual yields like a strong stock can. Consider FDGRX, it contains the majority of the mag seven stocks. The current price is $39, analyst are giving it about a 90% five year forecast and I believe the annual dividend is around 9%, which is very good. If you choose to purchase this, set it up so the dividends reinvest and it will compound overtime.
Thanks for the suggestion! What are your expectations with tech in the future, say VGT? Do you think it will beat the s&p500?
Buy some VGT - Amazing performing ETF that is well suited to rise as AI does.
11% annually means you better invest in VGT instead struggling with trading
Yolo'd $40k into VGT last second after hours PM yesterday. How cooked am I come Monday, considering the Moody downgrade (that I didn't know about) 
I know very little about the first three, so I can’t speak to those. I think Nvidia and Microsoft are obviously titans of their industries and will continue to be so for years. I think they’re fine companies to invest in. But those two alone already make up like 10% of the S&P 500, and closer to 30% for very tech heavy ETF’s like VGT. So if you bought NVIDIA and Microsoft stock, you are basically just adjusting those percentages for your overall portfolio.
At his age, if he’s planning on holding for decades, there’s almost literally zero risk to being 100% in the S&P 500. Your time horizon gives you a lot of freedom to take risks now. I’d recommend somethjng like 75% into VOO, 25% into somethjng like VGT or QQQM, to give you extra focus on tech. Not sure I’d recommend buying single stocks, even at your age, as stock picking is notoriously difficult. If you do want to buy individual stocks, I’d limit it to a very small percentage of your portfolio.
It really depends. It’s a matter or preference and risk tolerance. And overall strategy. There’s no right answer. More diverse can be ‘safer’ but having a highly concentrated portfolio can have outsized returns. But you better make sure they’re winners. Losers can really pulverize you. I personally have I think 70ish holdings. The majority of those are my long term (basically forever) holdings of dividend kings and aristocrats. I want that layer of dividend compounders to hold super long term. No selling. I’ll only sell if they fail to raise the dividend or go on some insane clown market-like rally for some reason. Which is unlikely for companies like that anyway. Basically positioning myself to have a strong dividend runway for the future to build on today and continue to DRIP and DCA across them equally. I could’ve bought the NOBL ETF. But I refuse to pay the expense on it. Otherwise my holdings would be much smaller. On the other hand, I have typical ETF’s just a small handful. VOO, VGT, SCHD, SCHG. SCHD is my biggest overall holding by equity. (Goes hand-in-hand with the previous setup.) The rest are still sizable, and give overall diversity and more aggressive positions. Lastly, about 30% or my portfolio or so goes to my personal conviction picks. Some I intend to hold a long time. Some I may hold for a while and trim away if they flop or do good enough and I want to sell. These are usually fairly aggressive. I don’t often select these kinds of picks often. I need to absorb as much DD and news as I can. If I determine it’s a great deal, I’ll pull the trigger. But that’s just me. I actively invest. I watch financial news like a hawk. My portfolio is basically my baby. It’s practically a job and a hobby for me. This system works well for my own goals and the overall returns have been quite good. I can withstand downturns better, but may lag a tad in raging bull markets sometimes.
Investing in QQQ fundamentally means you believe if a company chooses to list on the nasdaq instead of the nyse, then that's an indicator it will outperform. Is that your investing philosophy? The reason it has performed well the past couple of decades is because tech companies have happened to list more often on the nasdaq, and tech companies have done better than the average over that period. I don't believe this is an indication that they will _continue_ to do so, but if that's a thesis you believe in it would make more sense to use a fund that actually targets tech, like VGT, because it won't miss companies based on their exchange of choice, nor will it sweep up unrelated companies like QQQ does (only about half of its holdings are tech). Alternatively, maybe you're interested in US large cap or another characteristic of QQQ. Regardless, in my mind the pattern should be to start with an investing philosophy (that's driven by data, emotions, personal knowledge, etc), and then find funds to invest in that fit with that philosophy. If you start with past returns, you open yourself up to investing at the peak of a fund's performance, and generally rotating through funds attempting to chase returns.
quick, buy into SPY and VGT they turned green 
I'm a $VGT guy myself. Can't do singular stocks anymore with all these gainz.
I’d just buy VUG VGT VEU and delete the app for a year
Regular people buy nice cars. Regular people buy cable TV. Regular people smoke cigarettes. Regular people eat out are restaurants. Regular people can afford some VGT.
If I had million bucks and was not planning on buying property with it: * VUSXX or SGOV 10% * SPY or VOO 30% * QQQ or VGT 30% * BRK.B 30% I've been DCA via 401k and Brokerage accounts into something like the above since 1993 and have about $4.1M bucks now. It's the get rich slowly method.
My 401k contributions is 50% VOO and 50% VGT. I never touch it and it is doing good. My Roth is higher risk, hand picked stocks and cryptos. Emergency fund is in bonds and secured loans
Frankly, you should not be buying individual stocks. Buy a nice Tech ETF like VGT or FTEC and own them all.
I bought when people panicked and sold today with a quick 16% on VGT. I like timing the market with my Roth. Makes me feel alive!
Alright, look — take April 8 as your start point. Since then, SPY's up 16.98%, VT 17.67%, VGT flying at 26.73%. You just backed up my whole strategy without meaning to. I ain't saying your strategy is dumb — just saying it won't hold water if Trump’s back in office. Too much noise, too many curveballs. This market needs flexibility, not fixed plans.
Just with the remaining. Give you great exposure and anchor your portfolio. Leave it within VGT until you have great conviction within a specific company.
Sell other positions and then buy VGT or just with the 2.5?
If this is all you have invested then VGT.
What to read to start to understand options? Bottom line up front: So what information can I use to skill up on options Background: I've been selling puts and calls the last few months successfully buy getting familiar with delta, IV, theta. I also do calls and puts on popular stocks that have a lot of volume and people talking about it so I can gleam insights into “support levels” (idk how to create my own but if multiple sources are around the same then I get a bit more confident those are really support levels) For example I sold 5 cover calls expiring 5/9 on 5/5 for Meta with a strike of 632.5 for 1.38 or a little less than $700. (delta was low when I sold around .10-.15) Also sold a put at like 557.5 for like ~125$ Majority of my other positions are in ETFs like VOO/VTI/VGT/SCHD etc so they yield really low with a delta of around .10 Meta traded fairly sideways along what I was expecting and went well as they both expired OTM but I made the strike decision based on multiple other peoples definitions of support levels and delta mostly. This has been working just fine I suppose but I feel like I am making educated guesses because I don't understand more. P.s. Btw I plan on selling CC at 625 expiring on 5/16 to get around 1.87 a contract because again it seems sufficiently low risk. Also another put at around the former strike just moving the date up.
VYM and VGT have no overlap. VOO overlaps partly with both with each respective offering different exposures. Synthetically you could model VGT and VYM and skip VOO but you nor OP are hedge fund managers able to calculate that
VOO, VYM, VGT, 100,000 in 4% apr savings account and chill. Percent allocated to VOO/VYM/VGT up to your discretion
I would have just gone with VUG, VGT and VEU
I would have just done VUG VGT and VEU
100%. If you wany hedges like more tech than buy VGT. You dont have to ow nsingle stocks. There is etfs for mid cap , small cap , tech. International
Yeah i would just go VUG VGT VEU VTV and just delete the app for a year
Im sorry guys. I bought .11 of VGT and .1 VTI. It went down after. I wonder if I can trick the market by buying and obviously making it go down and then do a big chunk at end of day.
QQQ, VGT and hold 5+ years
Do you know what DCA means? I have Schwab and dollar coast average (DCA) into ETFs all the time. I have VGT, VOO, etc in my taxable brokerage account and Roth IRA account which are BOTH in Schwab. I do have to by entire shares though and cannot buy fractional shares.
Those are all great funds with low expense ratios. I own VOO, VGT, and QQQ along with individual stocks. It's technically illegal to tell you what to buy, or your allocation, so that's the best I got.
Hey buddy. If you haven’t noticed, any financial subreddit, is a cesspool of people telling you what you should do rather than answering your question. Do yourself a favor unless you don’t mind the berating. Idk why they can’t just give an answer to the question but would rather give you a dad talk instead 🤦♂️. For the record: I went with SCHD at an automatic $10 a day. That’s my set and forget for the next 30 years. Mind you I have shares elsewhere: VGT, BRK.B, NVDA. My Roth is set to invest and mainly ETFs but is being managed rather than me do it solo.
Appreciate that. Didn’t know cashapp did that. Second time robinhood was suggested. Might be my go to. And yea the dividends thing. I’m still learning but I wanna just set it and forget. 20 years, 10 bucks daily. Plus keep investing in VGT. 🤷♂️. Learning as I go. Thanks again.
Loaded up heavy on some VGT at $480 & $500. Feels like that was last week.
Ok, I guess I scrolled too fast to catch the 30-60. I too have owned mag7 so long, gonna hold. Ive bought more goog and Amazon when they were recently lowest. Im with you on finding new things. Im also just continuing my auto investing into S&P and some other ETFS (VGT IBIT). Are you investing more into international? Im not sure on that. Im wondering how US equities will do relative to something like VXUS. Im just not sure about going that path and how much, seems like they might do worse than US. I suspect we'll have another leg down to test lows, building some dry powder until then.
Nvda has taken a beating, but if you bought low, congratulations. Brkb was a wise pairing to have as your 1 and 2 IMO. I had a bunch of SMH, ASML, TSM, VGT. That's my semi exposure, and nvda. I most of that but kept VGT.
Fuck no. Worst advice here. If he’s living at home dump that shit into VGT or VOO and see that shit skyrocket over the next 20-30 years
I’d lower BTC to 5-10% tops. You don’t need gold, specially with your investment horizon. And VXUS instead of VGT.
That’s a good simple setup. AIX and ROX perform almost identically just like VOO and VTI so I’m not sure owning both really diversifies the performance. I had a similar setup in my 401k then just stopped investing new money into VTI. The only suggestion I’ll make is to switch to the equivalent ETF of the mutual funds you selected since the cost of ETFs are cheaper. And maybe consider allocating 5-10% to a growth focused ETF like VUG or VGT to boost performance. You’re young and have the time until retirement to weather volatility - if your personal risk tolerance can handle the volatility…
I do not get it. China said no talks were happening. They are our biggest trading partner. With tarriffs goods will skyrocket in price. Yet today we are green and the VGT (tech ETF) is up almost 2%.
Maybe, if Trump is trying to get out of the mess while calling it a success I really hope that is his plan at this point I sold my gold and intend to DCA into VTI/SPMO/BRK/VGT - up or down
Im gonna keep it simple. Buy VOO VGT SCHG and maybe a little more Microsoft Google and Amazon. I have TSM. Ill let that recover but won't add to it. I do think this dum dum tarrif policy will be reversed soon and a huge amount of money will flood in. Cautiously but quickly. The people that are traumatized and fearful of getting back in and still believe that factories will be built in bumblefuck Kansas will lose out. Trump will be forced to reverse this shit soon, it's already starting.
I personally like VGT since I like going more heavy into tech and VTI for my standard S&P but it’s too each their own same thing in the end really
I've come to realize it's like holding VOO, VGT and JEPQ at the same time.
I would do 70% VOO and 30% SCHG. I'd probably replace SCHG with VGT, however to catch tech a little more. You could even do 60 VOO 20 SCHG and 20 VGT. My portfolio is kinda like that. Im 46 however so like to put some in SCHD these days. I think any of the above and even straight VOO would be ok, however.
I agree with non US, like vxus. I do think in US we are close to bottom but I think we'll trade sideways in volatile manner until fall. Maybe we'll retest lows if we head into recession. I think it's a great time to accumulate. In fall into 26 we will rally and get into a bull market testing ath and exceeding. Im long for retirement, which is about 13 years away for me. I think mag7 will recover fastest this year but they won't be as strong as they were during AI boom. Im more interested in SCHD and BRKB than VGT and SCHG. But I like all of them. What are you buying international?
Context: studied finance in undergrad, did a top MBA, worked in investment management. Your question is essentially “should I invest $300 with some risk in the stock market, or keep $300 in the bank with no risk.” The answer: invest in an ETF (VGT, VOOG, XLV, etc) and don’t keep $ in bank. In 2 years you go to college. In 2 years, it’s very likely S&P500 total Market cap is higher than today, at a rate greater than ~3%/ year (interest rate from keeping $ in bank).
All garbage except for VOO, VGT and maybe Netflix. I own SHOP and getting burned
My core DCA is 60/40 BRK B/VGT so that can I get some exposure to tech growth. However, the percentage will be adjusted based on valuation. If VGT is undervalued or at fair value but BRK is over 1.6 PE then I'll do 70/30 VGT/BRK B
Great article. Just came out of a senior leadership team business meeting (operating in a S&P500 company) and the tone was very gloomy. Even at the current 10% remaining tariffs, assuming the 90 day pause for the rest of the tariffs stays on 'pause ' forever, we expect a recessionary environment going back to the great depression already and specifically for the automotive, durables and building & construction sectors in the US (potentially spreading globally). Timing: we see this starting now slowly but surely and expect this to potentially continue for the next 3-5 years with closures, bankruptcies and consolidation of companies.. Any thoughts on this and specifically what is your view on investing (what is invested currently as well as future funds) and how to position. (I am mainly invested in VOO/VGT/QQQ and MAG7...I am specifically concerned about USD weakness that is already showing relative to EUR, CHF etc
In the same boat as you are mate.. lost significant amount, first trading in huge margins back in 2021, and now all of my savings in short term puts and few 1DTE SPY calls. It’s been pretty rough the last week or two (and my spouse doesn’t know). Like you, I’m not sure how to move forward. I sold whatever few stocks I had at massive my loss to keep some cash for emergency. I’m trying to cut household costs (eg. selling a 2nd car, limiting eating out, etc). To relive the stress, I have started to meditate and do yoga.. My wife and I have a 1-yr old so the goal is to give time to family. Daily trading took away my focus both from work and family. I regret this as much as losing my life savings. Btw, also lost all my company stocks as I sold it last year and put all in short term options. It’s been pretty depressing but spending time with family has been a help. I have stopped following the markets. And above all, trying to use this moment as a lesson for future. 1. Only invest money that you’re comfortable losing (keep a healthy savings). 2. Never trade in margin account. You may feel great during a bull run but when you get a margin call, it’s rough. 3. Don’t trade options unless you understand it well. Short term options didn’t work for me and IV crushed me. Also buying both sides of the trade doesn’t guarantee anything. 4. Always take gains. Cut your losses early (use stop loss). And never average down on bad stocks. 5. And I read this in Reddit, there is no shame in quitting trading if you’re not doing well. My advice to you (and to myself) is to spend more time with your loved one, cherish every day and make the most out of it. Work hard, try to save more than you used to and once you decide to get back into the markets, buy ETFs (VONG, VOO, VGT/ SMH, SCHD) and forget. All the best friend!
Foundation: VOO Growth: VGT / SCHG Dividend : SCHD + JEPQ
You would need three years of 15% growth to get you to just under your goal. You can look at some high gainers of the past years but you have to understand that the market overall may not sustain recent returns. For instance, VGT had -30, +50, and +30 percent in the past few years (roughly). If that played out again you'd miss your goal by about 23k. And sequence of returns matters in short term investments. If you switch the first and last year of returns of VGT you would end up with 240k based on your 130k initial seed. We can't control how the returns hit, unfortunately. I don't want to rain on your parade but you might be facing a tough road given the current market. Hopefully this year is not as bad as 2022 but you're starting in a hard time. What we do know is that your chance of getting to your $200k goal is a lot better if you are in the market vs sitting in cash. You might just need to adjust your timeline as you go.
Tech and normal PE ratios aren’t mutually exclusive. VGT has had P/E ratios below 20 before. We are just in a time where tech valuations are abnormally high because of AI.
Accumulated .15 BTC and 2 ETH when BTC crashed to 19k. Just sold the last ETH today, wont have to worry about taxes on that since its a loss, still holding .1 of BTC, won't shit my pants over this mortgage, put the other 90% of my money into VGT and SMH, cryptobros got this shit all backwards, this is easily the absolute best fucking timeline, I have to strap my dick to my leg with duct tape with how hard I am thinking about how much money I'm gonna fuckin have.
VXUS is a good portion of Mr. WineAndDogs2020's roth, along with VT, VOO, and VGT.
That's a big part of what fascism is all about. The major corporations in partnership with the government. Very un-American to destroy small businesses intentionally. Expect Small-Cap 600 to trade sideways and slide ever downward? I dumped my VIOO at 91 (cost basis mid 60's) during the fake new pump and I guess maybe I'll spend to proceeds on VOO or VGT.
There is a large variety of structured notes out there, so I won't comment on any particular one in detail. However, generally having a good understanding of their behavior requires advanced mathematical analysis. The sellers know how to do this analysis, but most buyers do not. After doing the analysis, you'll generally find that they underperform a low fee boglehead style portfolio over long time horizons. This is because rare events (like one of VGT, NDX, or XLE dropping 20+%) will eventually happen, killing much of the "promised" return, and these products have high fees. As a rule of thumb, S&P has an average return of about 10% (including dividends, not inflation adjusted). You are extremely unlikely to be sold a product with significantly higher return at significantly lower risk.
"Daddy, was does it say the price of VGT on that day was 360$?" "Because everything went down a lot!" "But today it's 895$ and ETH is still-" "I SAID ITS THE GUBBERMINTS FAULT OR ILL SMACK YOU"
me in 8th months: "So VGT was 379$ a share but you were "loading up on ETH" and somehow that's the banks and governments fault?"
Its all basic etfs. VTI, SCHD, VOO, SCHG, QQQM, and a tiny bit of VGT. The money is not needed by her anywhere in the near future and is more to headstart my investing as I will not be making really any income for the next 9ish years