VGT
Vanguard Information Technology Index Fund ETF Shares
Mentions (24Hr)
-33.33% Today
Reddit Posts
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
Lots of people saying to stay away from technology have a short-term bias. In every bull market, there are naysayers that believe everything is "priced in" and prices are up "too much" and therefore it is a risky investment. While they *may* be right in the short-term (which I disagree with) it is irrelevant to your question. With a 40 year view, I would take some risk. Sure, you can put it all into VOO, a nice boring way to track the S&P 500 and you'll do fine. But if you allocate some of that investment to VGT and/or QQQM the long-term outcome will likely be *much* better. Technology leads, especially now with AI-fueled innovation and productivity gains still in its infancy. Most importantly, keep investing regularly. At 21 years old with a $90K head start, you will very likely be a multi-millionaire in 40 years. Congratulations for having a great head on your shoulders at such a young age.
If the goal is to leave it for 40 years, then I'd recommend a mixture of VOO, VXF, and VXUS Personally I also dedicate about 10-20% of my portfolio to more aggressive investments. Some examples of that would be SOXX, VGT, FTEC, QQQ, etc. That depends on your risk tolerance I suppose but for a 40 year time period I think it's smart to try and increase your returns at least a little bit with those types of investments I'd probably dollar cost average about $10k per month
Tech is the future. always will be. That said I buy VGT. If I had to pick MSFT will always be a top tech company. Apple seems to be but a little struggle lately. I broader market still needs to rise so small and midcaps may be a good bet as well.
At one time back in 2020 or so I felt like I really wanted to get into the stock market. Was constantly trying to research things and watching YouTube videos about charts and trends and whatever I could find. I quickly figured out I’m not good at it and stock picking wasn’t for me. Luckily I found it out before losing any money. I just put money in VOO and VGT now and don’t worry about it. My life is so much easier not having to check every five minutes that a random stock I bought is tanking
Good choices. I own VGT, too.
I bought about 10 shares of SCHB anf half a share of VGT in last month. Close to what I do annually
The best investment % return wise was vacant land. I found out about the land because I owned the house across the street. So I got curious who owned it and what they were going to do with it. Turned out the owner was way behind on the taxes. After 3 years of watching and waiting the county foreclosed, and I went to the auction. I paid $700 for the land and sold it a few years later for $25k. ROI was 3570%. No I sold it. I bought it with the plans of putting a duplex on the land, so I was saving up money to do that. Then covid hit, and the real estate market went through the roof. People were going crazy trying to buy everything in site, and some realtor called me up out of the blue to ask if I would sell the land. I said hell yeah I will. When the real estate market turned sour in 2007 I owned a house I couldn't sell, we had just gotten married, so I rented it out to keep from losing it. Doing that turned me onto real estate investing, and I became a landlord. Over the next 12 years one unit turned into 20. Then I finally sold the house I couldn't sell in 2022 after owning it for 22 years, so I decided to sell them all. I turned the proceeds from the real estate around and bought VGT, and SOXX in 2022 as tech stocks were tanking. So the moral of the story is save and invest. When something is on sale is when you should be buying. To get my rental portfolio to the size it was I did something that was a great personal risk. I cashed out $125k in 401k that I had and paid the taxes and penalty. It gave me access to about $80k in spendable cash, but with that money I was able to buy six rental units. From the six rentals I made all the taxes and penalties back in under a year. So while I didn't know for sure how the risk would pay off I suspected I would do pretty well. That was in 2014. I have already made over $600k from my investment 10 years ago, and still have 6 units left to sell. Four are under contract and two will be listed in the next couple of weeks. Through this whole experience I can say that it's only through failure that I found success because there were at least 3 rentals that I bought and had to sell and take a loss because it was a losing proposition to keep them or try to renovate them. You don't have to win all the time you just have to be right more times than you are wrong.
Bought 5 shares of schb and .2 VGT last week. I buy every 5% dip otherwise I hold the line.
I've recouped most of my losses from Pershing Square Holdings. Made some money from Samsung and Comcast. But not enough to offset my losses from my other positions. My Nvidia limit order didn't execute because the price went too high. I'm considering switching to a market order because the price is on the rise. But I won't put too much in. TSMC's still down. VGT's still down. I've set it up to take profit once it reaches a high enough price to recuperate all the losses and opportunity costs because keeping all my money in one sector is a bad idea. ACWI's still down from when I bought it. My most profitable position has been buying and holding Berkshire Hathaway. Overall, made about £5 since I started investing.
Not diversified enough mostly in tech, nobody knows what the future holds. If I was you I will just put 50% in VOO/SPY and VGT/QQQ and forget about it. Keep 30% in bonds and 70% in stocks. Rebalance every 4-5% or every quarter to maintain this ratio. Stay away from long term bonds(20+ years maturity) if their yield go lower than 3.5%. Invest only in govt bonds, no need to scratch your head about credit risk.
I’d add some international like VXUS. The rest probably VOO. You already have quite a few positions, but if you’re looking for something else, here are some I like. QQQ VGT MOAT SPHQ SPGP. Portfolio Visualizer is a great website to play with different holdings, and get a better understanding of your own portfolio. Keep killing it man
Fuck it. Bought 250$ SCHB and 100$ VGT. lol.
My average price on VGT was 340 until recently I starting dumping 1,500 a month into it. That has came to fuck me in the ass… all my last year gains gone for the moment..
If you're going to have a bunch (say more than 9), you might as well just dump money into VOO or other ETFs that aggregate to your preference. I mean that's generally the smart thing is just dumping your "real" money into VOO or VUG and sitting on it. Bulk of mine is VGT and then a lot into $COST (with a DCA of 180) as my "real". Then I speculate with "funny money" on 2-4 through options or some medium-term flipping ...But this ain't /r/investing bud, we're here to lose money, not make it. So as many or as little as you want and 10x leveraged balls-deep to the gut
I use Fidelity and my set up is a TDF (Vanguard 2055) for my employer retirement account. Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time. Besides the radon single stocks everything is set up to automatically invest on a weekly/monthly basis.
I have a stock that's been amazingly solid over the last year (TXT, 28% up overall, 3k value)... actually thinking of adding to it, but I have no dry powder left in USD. My only other options are selling other USD positions (I like to avoid converting currency). I'm bag-holding 2k of Paypal (-38%), and I have 4k in VGT. Should I just bite the bullet and take the loss on Paypal? Let's say I give it a 3-5 years horizon... slow and steady or long shot? WWYD?
I think VGT does too and it’s safer . I try too keep my main portfolio simple. 10 years ago when an advisor told me to keep 20% on small that was a waste of time . So for me is VGT, SOXX, but the majority I keep on Sp500. I’m a lot on cash on market funds waiting for the bleed to stop a bit to start cost averaging on big tech stocks .
Yes if you invested in technology as a total like VGT, you would’ve outperformed the market significantly over the last 10 years.
If you believe in them set and forget. But if you don't want to do the due diligence on the companies financials or futures I recommend an index fund to reduce risk. VGT holds \~11% NVDA and keeps you diversified.
Why are you gambling away 750K instead of putting it into VGT to live off the growth 
Skip pltr. Why don't you try ETF as a starter? VOO, VUG, VGT
QLD, VOOV, AAPL, IXUS, AVUV, VGT, FMAGX, FBGRX, FSKAX, FBTC Absolutely no idea what I’m doing lol
Go Half VGT or MGK and Half VOO
I have VOOG, VONG, VUG and VGT. VGT has had the largest returns, but they've all done really well overall.
I have VOO and VGT. I'm 32% up with VGT.
maybe if you put it all in one bad stock. VOO or VGT if you're into tech. You might have a down year but you def won't be at risk of losing it all. If you do, that means the entire stock market went to zero and we have bigger problems.
you keep calling out one date as if you werent doing worse than random chance. In the early 2000s there was a promo/swag desk dart board with tickers like juniper and cisco.. putting 150K into SPY/QQQ/VGT/SOXX in 2020 would be worth 250-300. can we just rename this to Addiction Anonymous.
I don't think it's anything to be concerned about, just giving more context. Stating this is only a 1% fluctuation is a bit disingenuous. 1 or 2 more days we'll be looking a 5% pull back (VGT closed 2% down just today). At what point is it note worthy? That 5% pull back needs like 7% gain to break even. If 9% is market average return yoy, you're looking at close to a year set back.
Big tech is going to continue to outperform the S&P 500 over the next 5 years, 10 years, 20 years. It might go through a slump soon since it’s had a huge run up over the past 9-12 months but over the longer periods, I fully anticipate tech outperforming the broader market. Having said that, I would not just stick all my money in tech. I also have learned that although I might pick a stock over a short time period that does well, the longer term best option is to have a basket of stocks (via ETFs). So if your timeframe is truly 5-10 years, I’d put 50% in the S&P 500 via VOO and 50% in tech via VGT. If you want to buy some biotech, maybe go 40% in each and 20% in VHT (not just biotech but also healthcare).
In hindsight it does all seem ridiculously obvious and I’m still kicking myself for letting go of my position in $VGT years ago. This is why I’ve started investing in $NANC. Tech seems like an insane buy right now and I have no idea where else to go other than the S&P. I’m just assuming month by month these senators know better than we do. If I’m being a fool someone please let me know. Having the exact same problem as OP.
VGT and SCHD has minimal overlap and a 50/50 mix has historically has outperformed the S&P 500 while having lower drops in downturns.
I’ve beat VOO for years with half VGT/SCHD 🤷🏽♂️
I use a TDF (also the Vanguard 2055) for my employer retirement account. So in my Roth IRA and brokerage accounts I don’t hold any bonds. My setup Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time
VOO vs VTI? QQQ vs VGT?
Hey all, I currently have only a 401k with company for the match. I am about to open a Roth IRA and am unsure of what ratio and exactly what to invest in, currently this is what I'm looking at doing, id appreciate any help or advice. I'm 33 and this will be held till retirement. VOO/VTI ? SCHD QQQM SMH Maybe VGT or MGK? Want to stick to 3-5 of them. Thank you!
Well yeah, I plan to keep making contributions. Probably VOO goes up 6%-8% annually, probably VUG and VGT go up a bit more. By 20-25 years, yeah, that's at least 2, maybe 3-4 million. But the exact math isn't really the issue here. It's more the question of dividends vs. 4% spend down.
If you want tech based then get a tech ETF like VGT or FTEC, doesn't make much sense to get a NASDAQ fund to get a tech fund. FXAIX has really low expense ratio at .015% which is half of VOO and 1/6th of SPY. It's also giant with 500 billion AUM and is highly regarded because of its size and expense ratio.
If you just want US tech, there are cheaper options like XLK, FTEC, and VGT (0.08-0.10%, as opposed to 0.41% for IXN). IXN is different though because of its international exposure, with its holdings including Taiwan Semiconductor, ASML, and Samsung.
just buy some growth funds (or probably total market if you're holding forever which is always the smart thing VUG VGT (tech not technically growth fund) QQQM (nasdaq not technically growth but full of the biggest growers/tech companies) But my recommendation is just buy as much VTI or VTSAX as you can as often as you can and never sell it and become a millionaire way faster than you'd think instead of making some wrong guesses and not timing stuff right etc etc
I would DCA over the next 6-12 months. I did 80% VTI and 20% VGT (similar to QQQ). I’m not into the international market because the average 10 year return is pretty low.
I also have a some funds I acquired that I am putting into the market. What I’ve chosen to do is max last years Roth IRA, max this years Roth IRA, set aside 2025 Roth IRA max (in HYSA), then with the remaining funds I am DCA 1/2 of it weekly over the next 12 months, and the other remaining 1/2 I’m holding to lump sum a potential drop in the market. Will the market drop? I don’t know. Will I lose money doing it this way? Who knows, but I’m hopeful to see some drop between Fed rate cuts and the election. I also feel I have pretty good exposure maxing both IRA accounts right away and DCA + adding weekly with paycheck. My setup Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time
second for VOO and VGT
SPY, VOO, and VGT are pretty good
So you’re basically saying invest in VGT? Why would I invest in all those separate when I could get all the others?
You’re telling someone to put all their money in one bag with single investments. You might as well invest in VGT with your suggestions. Which I suggest with my portfolio but you’re so heavy in tech and that’s it
With the portfolio allocation you described (small cap, mid cap, large cap etfs), it effectively sounds like you are buying the whole market. At that point, I'd go over to portfolio vizualizer web site and back test your proposed allocation to owning VTI. Although, some of you chosen ETFs don't have enough history to go back very far so I'd maybe substitute an equivalent ETF for the small and mid cap for the comparison. At 26 yo, I'd do VOO and VGT 50/50 - and maybe add in a small bit 10% of a dividend ETF like SCHD for years like 2022.
If you want to be tech heavy, do a 50/50 split between VGT and SCHD. There’s minimal overlap between the two funds and that mix has historically outperformed the S&P 500 and has had less of a drop during downturns.
I vote 25 basis point hike going into July. I'd put money on it but it's all going into VTI/VGT
I own 66% VTI and 33% VGT. they overlap by whatever % tech is in VTI
I have mine split 40 VGT, 15VUG , 15 VGT, 15 GNR and 15 XME . Granted, a lot of overlap at the topbut I'm fine with that. Has been performing great .
Check out this video on combining the two ETFs SCHD and VGT: [https://www.youtube.com/watch?v=uRAts4y1hXI](https://www.youtube.com/watch?v=uRAts4y1hXI) I think it's a really interesting strategy that I may make my own sole focus going forward. Whatever you do, some form of ETF investing (e.g. VOO, VTI, BND, etc.) is what you want to be focusing on.
It does and VGT and QQQM consistently beat SCHG and VUG. The less stocks in a basket, the more the volatility. When I was young, I enjoyed the wonderful world of growth and technology. Now that I am old, I really like the lower stress and sleep I get every night.
Not sure your age but assuming you are young with 100% US equities. At first glance I like your portfolio, although I would imagine the overlap in VGT/VIGAX is pretty substantial, so you may want to look hard at that if you haven't yet.
Sign up for Robinhood Gold and deposit $583 into your Roth IRA every month. You can set it up automatically through Robinhood. This will max out your Roth and that’s the minimum goal you should set every year. Set your Roth to buy VOO and possibly a small percentage of a tech ETF like QQQM or VGT. You could also add an international ETF for better diversification (The US has dominated the last 15 years, but that will change). Here’s the cool thing about a Roth. When you turn 59.5, your millions will be all yours as you will not have to pay taxes. The other thing to note is any contribution you make, can be pulled back out for no penalty. So let’s say you weren’t sure you could manage the $583 a month. But you maxed out your Roth anyway. If you needed access to your contributions for any reason, you can withdraw them with no penalty.
VOO all the way. Some VGT would be nice too
AVUV and VXUS at 5-10%. Maybe a little VGT or VOOG since you’re young.
You should be comparing IWY to VGT, not VUG. IWY/VGY = Tech VUG = Growth
Yeah I am definitely open to risk. I love idea of tech but it’s one of those things that I know it’s not the best idea to invest in something like VGT that is prominently dominant by the top 3.
If you’re up for a high risk/reward. Go for VGT tech heavy. Personally I went for VT and XLK (same as VGT with less holding for tech). The younger you are the more risk you can afford, unless you can’t.
This is a very conservative forum. And that’s fine. But I think people for the most part trying insulate themselves too much. Going back the last hundred years or so, international is going to get the crap kicked out of it by just about anything US-based. Especially over the long haul. Here some ones that I like VGT VTI VYM (too conservative for your age IMHO) And, like the other guy said, look what the major holdings of these ETFs are. It doesn’t take long, but just look up what they are. I mean VOO is 500 but it’s not weighted equally. So you’re really holding an oversized portion of specific stocks. And if you’re gonna grab another ETF, that ends up doing the same, you’re not really diversifying. It’s important read up on them. But some high-tech version I recommend. Like you’re finding ways to try and slice QQQ into other ETFs. Which is what my VGT suggestion is. But I think you want more growth in there. I think VOO is about as conservative as you should get based on your limited demographic information you passed. But a big caveat is also going with your own RISK tolerance. Are you going to freak out if your portfolio goes down 10% in a year? Or one ETF goes down 15%. Or sideways. Or whatever. Find out what makes you NOT sleep at night and then don’t buy that
S&P 500. I strongly believe that tech will be more prevalent in the future so I am putting a lot into VGT / SMH
NASDAQ indexes are mostly a dumb way to get into tech-heavy investing. There is no sound economic reason to have an index that limits itself to stocks that trade on one particular exchange. If for some reason you're fixated on tech stocks even though the sector is most likely currently overvalued, find a sector-specific tech fund like VGT and allocate whatever proportion of your portfolio you think is appropriate to it. Then don't come crying back here because you threw 100% of your money in and your returns swing wildly from year to year.
I am skeptical. But I’m also high on tech, being young I can afford a risk. I want something I can cash out in 4-5 years with decent returns. 20% VGT returns seems super attractive.
Honestly, with how Reddit subs like r/bogleheads make it like it’s the dumbest sin to buy VGT instead of VT or VTI, probably not. I had a strong belief back then about how tech and engineering will drive the future. I was correct, but if i spent a lot of time on Reddit I’d probably feel skeptical about trusting my self and have gone with a safer option (VOO)
I don’t have access to it right now but there is a website where you put it the tickers and it will tell you how many percent of the holdings are repeated. Just get one etf and your done VGT.
Second the suggestion of opening an IRA. At your income, you should definitely consider the pros/cons of traditional vs backdoor Roth. Personally, I would still pick Roth just to diversify your assets in a sense by having more control over your taxable income in retirement. Plus no RMDs if you want to leave it to your children. As long as you have 3-6 months of expenses in cash, I would max that IRA and put whatever else you can into brokerage. Being young, you can afford to be pretty aggressive. VGT is a great option, but look into QQQM as well. It’s a little more diversified than VGT, but either should outperform VOO. Another one I like is AVUV, which is a tilt to small market cap companies that are deemed undervalued. If you want to get cute, put 5% of your investments into a bitcoin ETF like FBTC in that Roth IRA.
Yeah, exactly. I forgot, open an IRA for your loving wife as well and max her’s too before VOO/VGT. If you plan on your children going to university, open a 529 Plan for each of them which now covers qualified expenses for K-University.
Just max your 401K, max your IRA and put the rest of your non-emergency fund in Vanguard’s VOO like you are already doing or the Fidelity SP500 Index. If you want more reward, put 75% of it in VGT and 25% in VOO.
Great! I’d recommend looking into VGT if you’re into tech and such. If you’re young, would recommend it. If you’re nearing retirement, VOO and chil
I’m not an ETF expert. I just grabbed a huge one for comparison. I personally like and own: VOO VGT VYM. But others can give you better advice in that regards.
I personally recommend people have some money in RISKIER investments. It keeps you connected to the market and can satisfy the FOMO without causing a gambling addiction VGT is kind of a high-tech ETF. It might not be risky enough for you, but it’s kind of an intro to risk investments. You can go from there and dial it up.
Hey all, I got around $15k in an old 401k that is not active. It’s all in on vanguard target 2055. I have been thinking of making this my “risky” account and just selling the 2055s and going with SPY, VOO, QQQ and VGT on equal amounts. Would that be stupid to do? I have my own 401k currently with my job. I just feel im wasting gains to be “safe”. I did something similar with an old ira and it has worked out so far.
If you want to up the risk reward look at Tech ETFs like VGT and MGK. I also like medical device ETF IHI or software ETF IGV.
And if OP bought anything like MGK or VGT he’d beaten the top senator too. OP is truly regarded.
VGT for aggressive, VOO for safe
we dont have a crystal ball. I buy VGT. It has 10% NVDA now
My advice. Open a brokerage and deposit cash until you hit $12-15k. You don’t need to make any purchases, your cash will be auto enrolled in their federal money market account which is yielding a little over 5%. Once you hit that balance I’d open a roth and start investing in the S&P and maybe a smaller share in a tech ETF like VGT.
There are thousands of people who went all in on FAANG stocks and outperformed the market significantly and consistently. There are thousands more who held VOO and just went overweight MSFT or NVDA or some other outperforming stock, and they've also outperformed the market consistently. If you picked, say, MOAT or VGT or VUG as your primary investment instead of VOO or VTI, you'd have outperformed the market consistently over time. Hell, if you just went 99% VOO, 1% SMH you'd outperform the market consistently over time. And if you did any of these things, you outperformed the market easily, without being a genius, without being "headhunted" by hedge funds, and without putting much effort into it at all. What does this tell you? It should tell you that it is a completely made up myth that retail investors can't outperform the market. You're emotionally invested in the boglehead myth that retail investors can't do this, despite all of the evidence showing that, in fact, they can.
I guess it depends how/which subsection and with how much etc...I'd mostly just say stick to total market/sp500 I'm totally fine with adding some QQQM/VGT/VUG etc but just as an index fund type with some bigger stocks, not some super specific fund like chips that are only used in healthcare facilities in emerging markets lol
Yeah, definitely don’t do what a “friend” tells you. Do what this random dude on the internet says and I say open an account at Fidelity. And buy VOO and maybe VGT and some SCHD ETFs and relax. Fully fund your Roth first.
My understanding is that most of the “US based” companies in an s&p500 etf or index fund are globalized companies, so it’s hard not to invest internationally w/ the s&p500 and it makes it a safe diverse basic investment. I think a good basic spread would be a high yield dividend etf like SCHD, a growth etf like QQQ, a tech/AI etf like VGT or SMH, and finally any of the number of s&p500 etfs. The thing I have learned is to watch for redundant exposure to the same companies over different etfs.
I never luck with small cap. I held VBK for years along side VGT and vbk pretty much just stagnated. Picking single stocks is even harder. But maybe now is the time .
Made chess moves in my career to keep get paid more and taking on more responsibility. I buy and hold and do not gamble my money. Been in the big tech stocks heavily since 2014. Regularly buying S&P and VGT/QQQ automatically without thinking about it. I also sell CSPs and CCs for a little extra money. In my personal life I’d cook my own food for the week and package it in separate tupperwares. I set alerts on Slickdeals for basics like toilet paper and paper towels, and I buy in heavy bulk when there’s a deal. I rotate new credit cards to get the signup bonus so that I can take free vacations.