VO
Vanguard Mid-Cap Index Fund ETF Shares
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VO (midcap) with QQQJ (nasdaq 100-200) too much midcap.
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Ving Rhames doing the VO work for Arby's commercials is going to go down as one of the smartest marketing decisions in marketing history. "WHAT PART OF ARBY'S DIDN'T YOU UNDERSTAND GIUSSEPE?!"
https://youtu.be/pILCn6VO_RU?si=C0NNbtKuLDx8084N
What are the potential options for mid-cap and small-cap investments people are recommending these days? I’m leaning to VO (vanguard mid-cap ETF) and VB (vanguard small-cap ETF)
VTI and chill "Vanguard Total Index" all the stocks, low fees. No thinking. Safeish middle of the road. IMHO should be your benchmark. What is going to do better than that? SPY S+P500, but that's all large cap, and they don't need more cap, and might be a bit of a pyramid. Could be better returns than VTI, but also a bit more risk. QQQ, Nasdaq, tech stocks, bigger returns, but more overvalued than SPY, and for that a bit riskier. HYSA is safer, so might be better, but, only 1% if that better than inflation usually it is less than inflation. Only thing worse would be a safety deposit box. ibonds I still like. I think guaranteed 1.1% above inflation now. In 2019, getting 1.1% on anything safe was genius, savings accounts were paying 0.5%. Can't touch it for a year, which is good and bad. Only $10k/year, which is a little limiting. Might be state tax exempt. Then you get to weird stuff. I like EWG, like a German index fund. Dollar is strongish against Euro now, and if it stops doing that, like because of tariffs or whatever, then that's a little bump. German companies have nice PE ratios. INDA is similar, but India. India is 1B people and industrializing, so the market in general has potential GDP is growing than US, there's a lot of growth potential there. As long as they don't get spicy with the Pakis. I have stock in the bank I bank at. Big solid institution "too big to fail" pays a dividend. Might not grow a lot, but pays a dividend. Similar with my local utility. Pays about as good as real estate, and could also go up in price too. Then, I'll do month trading. Like sometimes buy the hot ticket for a thou. I've mainly lost on this, but whatever, makes me feel big time, and it is only a few hundo. When I lose the losses offset for the tax man. Also look at "tax loss havesting" like switching from VO to VB or SPY to QQQ Look at companies you know professionally. Like how is Sysco doing? If you're in that business, you might know better than me, and have a bit of an edge there, watching your particular industry's news. Having a couple thou in cash on hand, and not visit an ATM for a few months, and use it for restaurants and local businesses, avoid that 3% credit card fee markup on ordinary spending. If you're getting paid in cash though, you might already be doing that. How much into each is about what you believe, and your tolerance for risk vs. your desire for reward, but mix it up a bit, and cover all your bases. Look at tax advantaged accounts like Roth and HSA, and definitely 401k going forward if you have income.
[see here](https://www.google.com/search?q=what+companies+moved+production+to+usa+under+biden&oq=&gs_lcrp=EgZjaHJvbWUqCQgAECMYJxjqAjIJCAAQIxgnGOoCMgkIARAjGCcY6gIyCQgCECMYJxjqAjIJCAMQIxgnGOoCMgkIBBAjGCcY6gIyCQgFECMYJxjqAjIJCAYQIxgnGOoCMgkIBxAjGCcY6gLSAQ4xMzE1OTg1NDA5ajBqN6gCCLACAfEFJHKisf5U7o_xBSRyorH-VO6P&sourceid=chrome&ie=UTF-8) i guess all of these companies decided to invest in america because they knew trump would win and impose tariffs. can't be that companies just do it without tariffs. nope.
You could invest in a mid-cap etf like VO, it has quite similar returns to the total market: https://testfol.io/?s=67Nvso3ioGX
Vanguard owns the SMCI through VTI, VOO, VO, and VUG. These are all passive funds. There is no statement being made here.
I like VO and also VOT which are Vanguard mid cap and mid cap growth. I figure that everyone is chasing the same 500 companies of the SP 500 index, and mid cap offers another area to invest in.
No, the 1% is not worth it. You'd be giving him \~$1500 a year for what? If he wants to move to actively-managed funds then ask him to show he has a track record that gives returns higher than a simple index ETF (like your VO).
You have enough wealth to be able toose $2M? If you're not trolling, I'd stop playing with options. Dump the 500K into a broad based index like VO
I appreciate this and understand putting 85% into 2 things is risky. For sure. But it’s not a company or crypto, it’s 2 of the leading currencies in the world. That said I will look at VO and other world stocks but those honestly scare me way more than currencies.
Good until he got the bimbo from Alaska as his VO
I think it's time for you to buy, because Im selling in my solo401k's Sold ALL common stock: NVDA, MSFT, RTX, PLTR, AVGO, ORCL Trimmed: $VB by 50% (Small Cap) $VO by 25% (Med Cap) No change (yet) on $VOO or $QQQ. > 30% cash.
First of all you know these are weird times, trade war an all But assuming we had a normal economy I am a fan of Warren Buffett's advice which is put 90% in the S&P 500 fund (like VO) and the rest in cash (Cds, money market, bonds etc). he pointed out that if you do that you will get better gains than about 95% of the professional money managers. He's right. In fact I kept noticing my performance when it was managed by someone else always significantly trailed the S&P. Then I read Buffett's suggestion and realized I could JUST buy the S&P and equal the performance of it (duh). So I fired my finance guy and never looked back. Back to your question, SCHG is def one I would go long on (in a normal economy) if not that then VO, and about 10% in some account that pays better than a hys. Main thing is focus on growth, not income. Growth will have more risk, more highs and lows but over time it will kick some ass. At retirement or near retirement look at income.
Same. But when you say you did that in this forum it's the same "timing the market is not allowed!". I wasn't timing shit. You had an orange clown who's got two functional brain cells promising sky high tariffs and craziness. If you thought any stock was going to shit the bed you bail and I was a selling VTI and VO/O type stuff cause it was the whole nation that was guaranteed to crash. I'm not even close to buying. This ride just started.
I wish you guys could grant me Canadian citizenship for all the VO and LaBatts I've drank these past thirty years.
SPY, QQQ, VO There's a ton.
Pay off all high yield debt first (credit cards, auto loans, school loans depending on the rate). If you have a lower rate on your mortgage - like 3-4% then don’t worry about paying it down (your money invested will return more than the interest savings). If your rate is like 7% then consider paying some down to keep your monthly payments manageable. Take the remainder and max out your Roth IRA for 2024 and 2025 and put remainder in a taxable brokerage. I recommend Fidelity. Each year thereafter move over additional money into the IRA up to the max amount. Set $30k aside in a cash MM fund in the taxable brokerage account for taxes, emergencies, or bottom buying opportunities. Invest remainder in the IRA and taxable brokerage 60 / 40 into an equity ETF and a bond ETF respectively. I personally like VO (mid cap equity ETF) and PDI (actively managed multi-strat bond CEF). Rebalance quarterly. This strategy should yield 10-13%. Over 30 years that should be $10+ million.
Why not just invest in value? You avoid all those stocks. Something like VTV, VO, VB + VWO + VEA is the thing you are looking for.
My biggest regret is not going to a broadly diversified portfolio with a clearly defined plan at an early age. In my 20s, I haphazardly bought individual stocks and traded them here and there. I didn’t have a plan. In recent years I’ve bought VTI/VXUS in 80/20 increments and rebalanced 2x per year. My 401(k) is the only exception. That’s a 2055 TDF. I have a clear plan to start adding bonds, treasuries, and cash when I’m 15 years from retirement at increasing levels every year until I end up 60% bonds, treasuries, and cash when I retire with 40% in VTI+VXUS. I maintain simple margins of variance - IE every year Jan 1, I consider making small tweaks (like this year I considered going heavier VXUS and adding some combination of VO or VB to cut down on the stretched megacap allocation but I decided against it. I buy the same amount every two weeks like clock work. Every January I increase my bi weekly purchase amount for the year based on any raises, etc. I also always put 80% of every bonus check into VTI+VXUS. I wish I’d started this plan in my 20s.
Just a couple of thoughts from someone 10 years older than you who used to think the way that you do. VOO is very growth oriented and the majority of it is large cap growth with a handful of mega cap growth companies dominating nearly 1/3 of VOO. If anything - if your retirement is mostly in VOO, maybe look at adding mid cap, small cap, and international exposure. These are all trading at a discount compared to VOO and would serve to diversify you, protect against potential pullbacks in mega cap, and provide more long term steady growth as we likely enter cycles of international and small cap dominance again, eventually. Check out VO, VB, and VXUS.
This is my current breakdown: 5% crypto 10% bonds - 70% allocation to BND 30% allocation to BNDX 85% stocks- 50% VOO 30% VXUS 7% VO 7% VBK 7%VGT - last three are small cap, mid cap, and IT ETF's. Some of the IT stocks are already included in the VOO but I just think with the the way tech is heading I wanted to make sure I had allocation in a fund specifically weighted towards only tech related companies. My 1 year return on this portfolio is 24% 10 year is 11.5% but I really only started heavily investing about 3 years ago.
I'm just annoyed that I did my monthly VO0 but on Monday
Lots of other strategies such as VTI or VTI+VXUS OR VT or VT+BND or even VOO+VB+VO+VXUS are probably better than just VOO, objectively. A “good” strategy depends on your goals. Most normal people are trying to build wealth for retirement. Any of the above strategies is great for that. The gambling stick pickers or crypto buyers and the like probably get hate because that type of activity is more gambling than investing.
VOO - US Large Cap VTI - US Large Cap QQQM - US Large Cap AVUV - US Small Cap VTV - US Large Cap VXF - US Small Cap IWB - US Large Cap VO - US Mid Cap You have different ticker symbols but you aren’t diversified. Heck, most of your “diversification” is just a repetition of the same companies with a different packaging. Functionally you have 91% VOO. The only real diversification I see here is the 9% you have in Small and Mid cap funds.
Depending on your risk appetite: VTI + VXUS or VOO+VB+VO or VOO
In a bank anybody working a bit will be eventually VO. Anybody good will become director. The first filter happens at managing director.
This is not news if you go deep into coal/oil/gas, but the [IEA once again admits its forecasts on peak coal are premature.](https://www.bloomberg.com/opinion/articles/2024-12-18/we-re-burning-more-coal-than-ever-thanks-to-china?utm_source=website&utm_medium=share&utm_campaign=twitter?sref=5dj0X2VO) "Coal demand set a record high in 2024", at "8,771 million metric tons this year, up 1% from 2023". Moreover, they revised up 2023's demand from 8563 million tons to 8,687, "The difference equals roughly the annual demand of Japan, the world’s fourth-biggest coal consumer." The IEA is predicting demand to continue rising the next 3 years, although their estimated increase is small. The revision of estimates for 2026 in the span of 1 year has increased by the annual demand of the US and Japan combined. [Visualize previous forecasts and the historical trend](https://i.imgur.com/uSWpbQd.png). [Here is geographic consumption in 2024](https://i.imgur.com/rqAFTep.png). China/India are the dominant players here. The world still burns 10 dump trucks of coal ever second, or a Great Pyramid of Giza every 6 hours ([source](https://www.bloomberg.com/opinion/articles/2024-07-25/climate-crisis-old-king-coal-remains-omnipotent-and-omnipresent?sref=5dj0X2VO)). Coal will continue its decline in the US and most of Europe. But those countries need more energy period, as well as storage capacity. Though there was a recently a major power 'crisis' in Europe because of dunkelflaute, where the wind/solar output simultaneously fall. As a consequence, Germany and a few other countries were drawing substantially from their neighbors grids, causing everyone's power to go up. The electricity price in Germany literally 10xed its average on one of those day. Norway/Sweden faced similar spikes and were naturally very annoyed by this. [To put in context, the power prices increased so much that a 10 minute shower in Sweden = $5] Averaged over 2023, you can see [UK and Germany industry](https://i.imgur.com/Yj9MLVH.jpeg) are facing much worse costs than peers around the world. It's pretty remarkable how cheap electricity in the US is if you consider it's income per capita is much higher than say Argentina or India but we have cheaper energy. As for this ongoing winter, [Europe seems to be drawing on its natural gas storage](https://www.thecommoditycompass.com/p/european-natural-gas-and-electricity) quite quickly. This article focuses mostly on the Netherlands/Germany/UK. You can see for example, [that a period of dunkelflaute](https://i.imgur.com/XoGMk9C.jpeg) in November caused Dutch storages to drop by 20%. Europe doesn't have infinite storage, so if they draw down on storages entirely, expensive LNG imports + demand destruction have to fill the gap.
If you want small cap, then go with VB, as VXUS is international. Would also add midcap, VO that tends to be less volatile than VB.
Dump it. Hasn't competed with US in 15 years or more. My recommendation would be just VTI, maybe along with VO.
buy and hold? none, you only make money when you sell, i started in the market at 25 and at 48 i WISH i had looked into and learned about trading options back then. don't buy anyone's bullshit course or discord, watch YouTube and learn what you can. if you want to buy and hold something, open a Roth IRA, max it out every year and split the money between solid ETFs my kids' IRAs (they're 10, 10 and 11) are in KO, QDTE and XDTE mine is in QDTE, CUBE, REXR, SCHD, SMH, SMR, VIG, VO QDTE's weekly dividend is paying my mortgage right now... if it goes belly-up i'l rebalance the IRAs, but that weekly compounding is 
Im fine with that tbh, and I think you should be too. Youre already diversified to well over 1000 companies. 500 large/mid caps via S&P500, iirc theres over 700 in AVUV in the small and micro cap regime. Its not important to blanket absolutely every stock. XMHQ holding small cpas will just tilt you a bit more to the small cap factor, and when couple with profitability that should be a good thing. Im not sure how XMHQ goes about its quality factor, but I would want to make sure their systematic risk exposures align with your goals. Quality isnt a free lunch, it cant be otherwise the market would wise up to it and arbitrage it out of existence. Deviating from the market this way should be riskier. Since inception, XMHQ has only outperformed a simple mid cap market cap weight index like VO in the last year. Thats why everyone talks about XMHQ now, because it went near vertical at the beginning of this year. https://testfol.io/?s=lo92WvurkXZ
You literally posted, “Why did this option lose value today? Help a new guy out!” 28 days also in the sub. 28 days is not enough to gain the experience that is on par with the confidence that you project. https://www.reddit.com/r/options/s/LfdLIg5VO9 If you are referring to assumptions on returns, sure, if you think so. Why not come back after trying it out and see why everyone else gives about the same numbers?
It’s globally or market cap diversified on its own. I personally use VOO + AVUV for my U.S. allocation. Some people also add VO in for mid cap exposure also
The only change you really ought to make is the addition of small/mid cap companies. There are two ways to do that: 1) Swap out VOO for VTI 2) Reduce VOO to 65%, add 10% to VO and 5% to VB.
VOO and SPY are both S%P 500 ETFs and SPY has a higher expense ratio. Just do VOO, between them. Im using Vanguard ETFs here but other equivalents are also fine, I just know their names. These are all index based funds that maintain proportional investment in companies by value. This means that VOO is something like 7% NVDA, and VTI is more like 6% NVDA. VT - Total world market - This is a maximally diversified fund that literally covers all public companies in the world according to their market cap. Adding anything to VT will make you less diversified among stocks. I bet that VT is approximately 4% NVDA as a point of reference. VTI - Total US stock market. This single ETF covers everything domestic. VXUS - Total international market, no US. The purpose of this is so you can match with VTI if you want to be heavier in US or International compared to buying VT. Personally I have 90% VTI and 10% VXUS for example. VOO - This tracks the S&P 500, so it's large US companies only. VO - This is roughly speaking the US minus the S&P 500, covering small and medium companies. The price of the shares doesn't really matter. You're probably better off putting your money in index funds now than you are speculating. You can play around with some of your money (say 10% of the brokerage account), but you don't need a huge pile of different ETFs to be diversified. I don't think you need to sell the investments you've made as it's not a ton of money, but I think you should be focusing on adding index funds, completely ignoring what the market is doing. Just automatically buy the same thing every month.
over the last 20 an investment inn stocks has performed better than investing in pressure metals. ˆv you sang go cd dfxivy it is better to add some bonds and dividend stocks. FAGIX and SCHD are two I would consider. You could post most of your money in VTSAX and maybe 30% into the two I have mentioned. After putting as much as you can in the retirement account. start an emergency fund in a taxable account. this could be like to 20 to 30K of cash in a high yeild savings account with the remainder in a growth ETF with minimal dividends. Such as VO0. If you have an unplanned expense or loose your job you will have the cash for immediate needs. plus he shares of VOO that can be sold for more cash if needed. Having limited cash and mostly low dividend stock in the emergency account will help minimize taxes in the taxable account. But you would have quick access to sash if needed.
Poor people smell like they use VO5 shampoo and bargain laundry detergent. 
I wish that instead of VOO I could trade my VO2 max. I'd short it.
Okay, and when S&P 500 companies drop out of the index...they go into VO. If you want to take the top 20% of the S&P500...well, that's basically just the MAg7?
Hello, VO here to see you, sir
The s&p500 has a better risk adjusted return (measured by sharpe) and a better total return than SCHD over its lifetime https://testfol.io/?d=eJytj0FLxEAMhf%2FKkvOg9SI4V4voraxeiiwldtI6mp1ZM2OLlPnvZq2wIngzp4SXvO9lgZHjE3KDgvsEdoGUUXLnMBNYAAMU3I9pVSdksBeVlgF0L50PA2P2MYAdkBMZ6DE9DxxnsNVp6AahN%2FVpCYU%2F1E0isw9jN%2FvgjruXVTFwiJKHyD5qnMcFAu6P7Pvr23ozn2%2Fq7V2jlz5MlHLtJ%2B80oG5meVeskP6CoaebX6Ts%2B1eS1XHtvz1VO5D0FPLXR2VnwAmOmruYE7xp%2F53dtA%2Fbv%2BFn1VXZlU85JYi6 Schd is not protective.
There are fairly valued etfs right now. For example, I am balanced across a handful of funds... some at a higher pe and some very fair. SPGP (fair value), IVV (largest position from 2022 and of questionable value), SCHD (fair value), XMHQ (undervalued), VO (slightly overvalued now imo), JQUA (Despite higher value, I like quality). I hope that helps. You might consider holding a larger, long treasury position like EDV if you are concerned about recession. And entering back in on more fairly valued etfs. Mid caps look good if economy stays doing well. I have a large position in mid caps, and 20% long-dated treasuries (EDV, VGLT, LTPZ). You're not wrong in feeling caution, which is why you need a plan you can stick to and to focus on the long-term.
I guess I'm the type of person who, if dissatisfied with VTI's small cap allocation, would go VOO and get the VB/VO that satisfied me directly. Then again, I'm just the type of person who would prefer VTI directly.
95%+ of differences in expected returns can be explained by beta, value, market cap, gross profitability, and reinvestment characteristics. (Read: "A five factor asset pricing model" by Fama and French) These 5 factors define a funds expected return characteristics. SCHD doesnt use them. They just use dividend yield. SCHD is a non-sense fund, not worth it. The s&p500 has a better risk adjusted return (measured by sharpe) and a better total return than SCHD over its lifetime https://testfol.io/?d=eJytj0FLxEAMhf%2FKkvOg9SI4V4voraxeiiwldtI6mp1ZM2OLlPnvZq2wIngzp4SXvO9lgZHjE3KDgvsEdoGUUXLnMBNYAAMU3I9pVSdksBeVlgF0L50PA2P2MYAdkBMZ6DE9DxxnsNVp6AahN%2FVpCYU%2F1E0isw9jN%2FvgjruXVTFwiJKHyD5qnMcFAu6P7Pvr23ozn2%2Fq7V2jlz5MlHLtJ%2B80oG5meVeskP6CoaebX6Ts%2B1eS1XHtvz1VO5D0FPLXR2VnwAmOmruYE7xp%2F53dtA%2Fbv%2BFn1VXZlU85JYi6 If you care about "income" because youre an "income" or "dividend investor", here is what it looks like if you dont reinvest SCHDs dividends (live off them) and if you held the S&P and simply sold 3.4% (the same as SCHDs dividend yield) to live off that. https://testfol.io/?d=eJyVkEFLA0EMhf9KCIiXRSqKh71aRG9L9VKkLHEnszuazrQz05al7H8364oV0YNzmpDkve%2FliK2EF5KKIq0TlkdMmWKuDWXGErFA9uZbNXX3JFhezvQVSOa1dt4KZRc8lpYkcYENpc5KOGA5OxW1jbxVnSVTlF7VYhBxvq0Pzptx9mY2FLgJMdsgLijO8xE9rUfvx9v7ORxc7sAHmC8eKl13fs8pz93eGaVMX%2BaRNRH5hu9%2B%2BGXXvHGcdKf%2Fp7L2Nhwb9vkj17Aq0ERqx8xDcWKolhPC1cX1GYwDoFvQqzzkAMm13tkeRIF8C8FaSEEMpI4iJ6AMBFEvCbzdkYwbo%2FV5gt6xmN%2Fy5Lj7f5xq%2BbT4M4%2BSD6vhHZpGp7k%3D Youll see it looks almost the same, but yet again the S&P is better. Its similar with the covered call yield funds too. If you hold QQQM but then sell 9-10% per year just like JEPQ's yield and compare it to JEPQ without dividends reinvested, QQQM beats JEPQ. Its the same with SPY vs JEPI
Ditch the VO. Midcap is the land of misfit toys. No reason to seek that out.
That allocation seems good to me, idk about the 5% short term treasuries, its just lowering your Beta, and since you have 30 years you could for sure put that in equities too. Only region I feel is lacking here is US small caps. This is a great opportunity to go VOO + VO + AVUV (a small cap value ETF) so you get exposure to the whole market while getting outsided risk factor tilts with AVUV in the small end of the market. This is a great way to build US exposure since it underweights the single worst sector of the market of all time; small cap unprofitable growth stocks. Id suggest chopping off VGSH completely and 5-10% of VOO or take some of both VOO and VO and allocate 10-20% to AVUV. The rest being 20% international seems fair and prudent to me.
The percentage of the portfolio in VO that would be nvda would have been minuscule. Ie Ralph Lauren is currently .01% of VOO If you did what this post is suggesting, equal weighted, you’d have ~14% holding of NVDA and significantly outperformed.
I wonder what is /r/stock's opinions on JETS? My hope is that they will recover to pre-pandemic level, but it looks like there is still a long way to go. Should I hold bags? Sell now and switch to something else like VO and SPY?
BRA FUCKING VO wish you could hear me clap for you rn
VO is Vanguard mid-cap low-fee ETF. You can also look at VB if you really wanna hold small-cap.
VOO/RSP/VO/VB/SPSM/AVIV 40/20/10/10/10/10 A little bit of everything, going light on big tech
no, no they're really not. Space is hard; trying to land on the moon is ever HARDER ASTS is blowing up bc of the technological progress they've been able to make over the years, and mostly bc of the partnerships they've been able to ink. this is not easy. IMO, LUNR IPO'd way too soon and did it so they could generate a lot of incoming cash (just like Astra, VO, VG, Planet even RKLB) LUNR also has not done anything yet - they crashed into the moon and are trying to revive that attempt I dont see LUNR being a longterm play. (i work in space, specifically for space start-ups)
I second VT. It contains the global free float equity market. You can [read more here on "buying the entire market,"](https://www.diyfi.co/investing/what-to-buy.html#buy-entire-market) with a take from Warren Buffet. VT is a fund of funds. VT can be broken up into VTI (US Total Market) and VXUS (International). VTI can be further broken up into VOO (S&P 500), VO (mid-cap), and VB (small-cap). You get the gist. Buy VT so you never have to think again and can focus on accumulating VT.
Too tech heavy if you ask me. They’re all fine, but I have worries about AMD and NVIDIA from a valuation perspective. I also think Tesla is hot garbage for its valuation too. Maybe I’m a bit based on that but meh. I’d advise opening a strong position in a solid ETF to be the back bone of the portfolio. SPY/VOO would be great. It mainly has big tech highly weighted anyway. Or perhaps SCHG. To diversify away from big tech maybe consider SCHD or VO. Considering you’re new I’d really focus on ETF’s as a foundation of your portfolio and maybe open positions in individual companies as you go on. But I wouldn’t focus your efforts on individual companies. I’d say at least half the portfolio should be concentrated into no more than 3 solid ETF’s. Realistically only one or two is fine.
For mid-cap (meaning the company's market cap (share price * total shares) is between $2billion and $10billion) you can look at and S&P 400 index etf like IVOO. Vanguard also has VO which is just a Mid Cap Index ETF. Both have low expense ratio and fees. Also both have lower tech allocations which will help balance what you have.
VT or VTI +VXUS or VOO+ VO + VSMAX +VXUS Maybe throw in VNQ, VYM, or VGT if you wanna have them. I like Vanguard...
I’m 55 and most of my allocation is VTI, VXUS, VO and other equity funds. For income I use BDCs and call-writing ETFs. It work for me.
IMHO VOO is too heavy into FAANG where VTI is slightly less into FAANG. If you're in QQM though, you probably like FAANG. I think they are a bit overvalued, if I look at where I spend my money. The FAANGs are priced like they will do again what they did before, but I think the one that is going to do what they did before is yet unknown, and at this point a small or mid-cap. If I knew what it was I'd own it and tell you about it so you could buy it too. VTI is probably invested in it. That company needs the investment to develop their breakthrough product, vs FAANG can survive on their enormous revenues, and their stocks are now just ponzi schemes, or the companies themselves are more or less their own mutual funds with mutual branding. VTI democratizes the capital a bit more than VOO. I think that's good for society, even if it is slightly less good for me as an investor. I also like VO and VB. Those are a bit riskier, and have a limited upside as a stock can grow past them but are more in line with my values and keep me out of FAANG which I have already in my VTI.
Thank you for the info. I am 37 and have just found myself in a weird spot where I just fired my financial advisor and need to rebalance out of some horrible funds he had me in with insane 1.5% fees and I was thinking of some percentage in these kinds of ETFs. I may hold off based on what you have posted and just go with my guy of VO, VOO, and VYM.
Thanks for the intelligent advice to quit performance chasing. It's like I get in a daze and need to be slapped silly sometimes. Mostly I need to quit watching prices zig zag every day; it's not a healthy hobby. I am going to stick with QQQ for now, but use the deeper options market to hedge. E.g. I can do a collar strategy and lock in 15% upside potential with 10% downside potential for a year at basically no cost. This basically mitigates the risk of a valuation based bear market that I so fear. This is safer than buying cheap small/mid caps because the guard rails are ironclad. People will fret about the potential upside I'm giving up, but I'm unconcerned because look at the PE ratio and CAPE right now. Getting called away 15% up from here might be a favor. Can't efficiently do that with IWM, VB, or VO because of wide bid-ask spreads on the options, less far-out expiration dates, and/or a general lack of liquidity.
Hi all. Any advice appreciated. Just invested last week: || || |Name|Symbol| Cost Basis % | |Berkshite Hathaway Inc|BRK/B|8%| |Blackstone Inc|BX|8%| |Blue Owl Cap Inc Class A|OWL|8%| |Energy Transfer L P LP|ET|7%| |Enterprise Prods Part LP|EPD|7%| |Dimensional U.S. Small Cap ETF|DFAS|3%| |Innovator Equity Managed Floor ETF|SFLR|12%| |Vanguard Mid-Cap Index Fund ETF Shares|VO|5%| |Cascade Private Capital Fund Class|CPEFX|12%| |DFA U.S. Micro Cap Portfolio Institutational Class|DFSCX|8%| |Stepstone Private markets|SPRIM|12%| |Cliffwater Corporate Lending|CCLFX|6%| |Cliffwater Enhanced Lending|CELFX|4%|
Hi. I have $700k in cash (earning 4-5.33% in SWVXX and treasuries). I also have $130k in equities with a financial advisor. A very smart family member who has been investing for years told us that if you're doing to DCA and not buy individual stocks, just buy the following as your equities portfolio: VOO (40%) VO (15%) VNQ (15%) VB (15%) VXUS (15%) The reason I have this much cash is because my wife and I live in EHCOL area, and we wanted to buy a house. Now, the tradeoff between the cost of borrowing at current interest rates; versus keeping our cash, upgrading to a better rental apt (or not upgrading at all), is much harder to make. In my eyes, I'd rather keep making money off of our money, versus handing it all over to still have a mortgage payment in the 7-10k range (before tax deductions). I'm thinking about winding another 30-40% of cash into the market with the above portfolio breakdown. Any thoughts? Good, bad? Too conservative? How would you DCA given this breakdown of cash. Thanks.
I'm gonna use SPY as a benchmark for your individual stocks. I am eyeballing the correlations here for which I am estimating the following returns and volatility: | Security | Annual Return | Volatility (σ) | |----------|---------------|----------------| | BND | 0.1% | 6.23% | VO | 9.57% | 21.05% | VXUS | 6.03% | 17.69% | VTI | 12.2% | 18.66% | SPY | 14.36% | 30.0% (Better to overestimate here) **Correlation Matrix used:** x | 1 | 2 | 3 | 4 | 5 | --|-----|-----|-----|-----|-----| 1 | 1.00| -0.2| -0.2| -0.2| -0.2 2 | -0.2| 1.00| 0.30| 0.30| 0.30 3 | -0.2| 0.30| 1.00| 0.30| 0.30 4 | -0.2| 0.00| 0.30| 1.00| 0.30 5 | -0.2| 0.00| 0.30| 0.30| 1.0 For these securities I have compiled the following portfolios: **1) Low Risk** Estimated Return: 9.98% ± 13.45% | ISIN | Weight | |------|--------| | BND | 0% (Get used to this) | VO | 26.89% | VXUS | 27.04% | VTI | 38.83% | SPY | 7.24% **2) Median Risk** Estimated Return: 11.5% ± 14.58% | ISIN | Weight | |------|--------| | BND | 0% | VO | 29.53% | VXUS | 4.16% | VTI | 50.68% | SPY | 15.63% **3) High Risk** Estimated Return: 14.0% ± 16.33% | ISIN | Weight | |------|--------| | BND | 0% | VO | 0.03% | VXUS | 0% | VTI | 61.64% | SPY | 38.33% Personally I don't really like that mix. I may have vastly underestimated the negative correlation between BND and the other securities but over all it is just not a great security. If you own individual stocks odds are unless you did a comprehensive analysis you won't meet it's performance so I am probably overestimating here. Personally I would throw in maybe a bit of VHVG. But as others have suggested 24 months is not a very long time for an equity investment. Have you considered other less risky options? Possibly a savings bill, highly rated bonds or a plain old savings account?
I buy 135 a week in my Roth. My buys are: 70% VOO 10% VGT 10% VXUS 4% VYM 3% VO 3% VNQ
Of course things will outperform VTI/VO for periods of time. By definition VTI/VOO will perform average. The problem is I have no idea what will outperform or for what period of time. So I prefer to hedge my bets and invest in everything.
Sounds like VTI is what you are talking about. It's like Prego," it's in there". Or if you are a Vanguard customer, you can do a mix of all three by buying VOO, VO, and VB at the ratio of your choosing. Either way you go with this, the most important thing will be how much earn and how much of your earning that you will save to invest.
VTI and VOO should normalize and become less top heavy; VXF, VB, and VO will benefit as money rotates and FOMO kicks in.
My Vanguard ETF are VEU, VO, VOO, VTI, VT. I suppose I can buy some more of Vanguard. Since I am not too familiar, I just wanted some input.
Are websites like Insight Portfolio credible? I ran a simulation on their website, and the anticipated return looks good over time despite being a little risky. [https://insightfol.io/en/magic/report2/272d70277a/](https://insightfol.io/en/magic/report2/272d70277a/) [VOOG - 40.05%](https://insightfol.io/en/magic/report2/272d70277a/) * VGT - 30.21% * SPGP - 14.75% * XMMO - 9.75% * VO -4.93% * BLOK - 0.31%
I sold some of my soxl and tsm and amd today. Reallocating to other things, index etfs like VB VO and VV, and dividend paying things like ATT and ET. I still have soxl and tesm and amd, just trying to cash in on some of the gains.
Buy broad market ETF. Like VOOG or VOO or VTI or SPY. 50-75% this. And maybe mix in some VT or VXUS to get some risk outside US. 10-25% this. Also/or maybe VO which is mid cap companies stocks Or even VB which is small cap companies. 10-25% this Then take 10-20% and risk on individual stocks like either Apple Nvidia or a long term potential for huge returns like CRSP or BYND or whoever goes public with their real ai. Or just sell a bunch of naked calls on your mom’s credit card.
Says the guy that posts about his morning wood: https://www.reddit.com/r/HubermanLab/s/KNITLTV7VO
I would suggest picking some index funds like VOO VTV VUG VO VB QQQ and invest in whichever funds you find intriguing, then watch their returns over a month or so. I would also look up each funds prospectus and top holdings and begin doing research on each company using yahoo finance or any other platform you prefer. Earnings season will peak in about mid July so hopefully by then you’ll be able to make better informed decisions about individual stock purchases.
Here is the YouTube clip: https://m.youtube.com/watch?v=M-VO6dtFRes&t=7m20s **Unbelievable gaffe!!!**
I agree. 150% in 24 years is extremely poor performance. Had you Invested on any average stock it would have returned not less than 1000%. Just sell everything & buy 25% each of QQQ/VTI/SPY/VO/and be done. Good luck
GE VO. Good idea, but they need to Strat actually doing something.
More accurately said, most people shouldn't invest in individual stocks in case their stock picking abilities is not that great. Instead, .most people should oit their money into something that tracks the marketz like a passive index ETF such as VTI, VOO, VB, VO, and VXUS. Because then you aren't counting on a single winner.
So for me, I would probably consider that downturns usually last for about 5 years or 60 months. I would divide 100k by 60 and invest that amount in VOO and VB and VO every month. The rest of the balance I would put 1/2 into a money market fund like swvxx with a 5.1% yield so that, and the other half I would ladder into a 3,6,9,12 month CD earning about 5.25% I'm boring.
>I bought VO, and VB on the hope that they would be a hedge in case of a lost decade like 2000s. Because they did fine in the 2000s Long term typically has rewarded smaller caps over larger. You'd have seen that if you had read up on Fama & French. Factor investing starting points: • https://www.investopedia.com/terms/f/factor-investing.asp • https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) You're taking a very short term view of things and thinking you can time the market properly. Many many try, almost none succeed.
[Michael J. Saylor](https://www.google.com/search?sca_esv=f807be754d1cd3a2&sxsrf=ACQVn0-sC68torI2_6OKwgWMa0a9l-ehfg:1714423774537&q=Michael+Saylor&si=AKbGX_oBDfquzodaRrfbb9img4kPQ4fCBZjeqAiaW1svvC8uXqvbJMQvYeounWcAmLSYdSe06Xp6pRdGtHT5fLEsmimymOOL43HoKeTPROyw27yeXgQzJmr_NXvwcbHt0EptLXBWwrhV1hRUQx4VO1qNK_Q3KanjQ_MySH6pH-_KduS6N0z9DDso3qRVMNUgDj8RaKg2ZdMfdmym8iQmlgqp76dNDRPCAA%3D%3D&sa=X&ved=2ahUKEwjpj82gpuiFAxUqLzQIHVSqCzEQmxMoAHoECCkQAg)!
>the VEU (I think this is the extended markets etf), or a VO/VB split. VXF is US extended market. VEU is international (a more limited VXUS).
This is a good idea! VXUS (or VYMI) for international exposure, the VEU (I think this is the extended markets etf), or a VO/VB split.
No originality here. The answer to everything is VOO. Not even VOO+VO+VB. Just VOO lemmings here. Wait till their cousins show up and start shouting VTI, and then VT. All of them today are essentially Top 10 or so companies. Aren't you guys supposed to be in some Bogel sub?
Where's that RKLB cuck guy at that shills this shit ticker nonstop? Space stocks will continue to trade like this - will continue to be worth from $5-$15/share until the space economy actually takes off. RKLB, AST, Astra, VO, VG, Momentus - all these companies SPAC'd way too soon to cash in on the crazy valuations being dished out back in 2021. Stay far away
Right now, you can't really go wrong by throwing in some VB, and like someone already said, maybe toss in some VO too.
At current levels, you can't go wrong with adding some VB and, as already been mentioned, some VO.
I have VTI with a with 30% in VO and VB, and for fun, IWM. This is the time to add into VB/IWM. Both perform well when interest rates go down. VTI is already at an ATH. while IWM is still $30 behind from an ATH (14%).
German bill has been signed into law. [https://www.recht.bund.de/bgbl/1/2024/109/VO](https://www.recht.bund.de/bgbl/1/2024/109/VO)
Should I buy equal shares of VOO, VO and IJR or just buy VTI? I know VTI is market cap weighted and therefore has a lot more large cap than mid- or small cap. My question is should I continue to buy equal shares of VOO/VO/IJR or just buy VTI instead? Which one is the most sound decision and why? Which is more likely to come out on top? (if you would please look into your crystal ball for me haha).
Ok question, So VTI owns like 99% of the stocks in QQQ, VUG, SCHD, VO, AVUV. Are you trying to increase your percentage in those sectors to try and maximize gains…..which I can agree with if that’s your motivation. Cause you know the bogleheads will be like just put it all in VTI, you have all this overlap. (I’m a modified boglehead, most is in total market index but I do have sectors I want to increase my weight in). So I personal have no issue with your breakdown
Foundational = VTI International = VGK, VPL, and EMXC. (Basically VXUS with no China). Growth: QQQM, VUG Value: SCHD (technically a dividend fund but works great as a value fund) Small-Mid Cap: VO, AVUV
wtf is VO trending in the fancy pinned ticker thing? Are we being brigaded by /r/investing!?!
What? Standardizing isn't worth it if the standard is shit. That's a poor reason. Your domain is always specific, not generic. JSON is already an unencapsulated data store why ruin the search capabilities? You wouldn't work with SQL that way would you? You still have to call a named field to search 'key' DTO, VO, Interfaces, and mappers exist for a reason. Use getters and you get autocomplete if you're not using notepad. You get an interface to program against and actual encapsulation. Woof.