VONG
Vanguard Russell 1000 Growth Index Fund ETF Shares
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Best aggressive investment strategy/fund type (long-time horizon)
Looking for more Risk than my Target Date Fund
What caused the dip in VONG Vanguard Russell 1000 Growth ETF
Is an Investment Account Representative (IAR) worth it for someone who wants to passively invest and can do their own trades?
Full ETF portfolio? (Tips, Advice, Literally anything)
Why is my advisor investing my Simple IRA in RBGCX?
Hello fellow investors I have a quick question about KO
Hi r/stocks I have a question is it a good idea to invest in VOO 25 dollars a month
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Advice to new investor is for now dont pick stocks or trade on narratives. Get VOO, VONG - index trackers. Prioritize getting as much money in your ROTH as possible and put it in those for now/dont touch. Use no more than 5% of your total investments on hunches or new strategies at a given time while learning or when pursuing a narrative bet for at least a year. Use that much smaller pool of money as a test pool for new strategies. If they are beating voo over a reasonably large sample, that's when you can start SLOWLY expanding. I find its very difficult to beat buying large caps (occasionally mids you know thoroughly) with 30%+ to WIDELY COVERED reputable price targets and then holding them as long as targets keep rising. When I am putting new money in, the mag 7 furthest below price target is one of the first things I check. And I still keep half the money in indexes.
I see where you're coming from. Yes, I will be keeping my VONG. This next 7000 will go into something different (XMMO or VXUS) as part of building out a rounded, diversified portfolio. Once they are bought. I'm not touching them. My main concern is missing a year of great growth, for a year of just okay. My logical talking points to myself to make this decision are its all long term, so there will be ups and downs anyway. Another being many investments are flowing ex us, but things are also a bit shaky the world over at the moment. Lastly, mid cap is being seen as a strong investment as well, with many firms increasing their mid cap positions. My planner agrees with me on these points. He votes xmmo this year and going international next year with the next 7000. But I'm wanting to just pick some brains here and there about others outlooks. Thank you for your opinions, and no offense has been taken 😁
TLDR Math first: $300/week for 4 years = **$62,400 contributed** With reasonable historical returns (~7–9% blended), you’d likely end up around $70k–$75k, not $100k $100k by Nov 2029? Very unlikely without: • Much higher contributions (≈ $400/week), or • Extremely high sustained returns (~24%/yr, unrealistic). Portfolio issues: • Overlap (VUG + VONG do the same thing; VNQ + REET overlap). • Too aggressive for a 4-year, must-have-cash goal (heavy equities, thematic risk). • Fine for long-term investing, not ideal for a car purchase timeline. • More realistic expectation: • $70k–$80k is a reasonable target at $300/week. • $100k requires either more savings or more time. Better approach for this goal: • Simplify (1 broad stock ETF + bonds). • Increase bonds/cash as 2029 approaches. • Prioritize capital preservation over growth. ⸻ Weekly ETF Investment Plan: Can It Reach $100K by November 2029? This plan assumes investing $300 per week starting in November 2025 and continuing for four years, or roughly 48 months, with no withdrawals and full dividend reinvestment. Over that period, total contributions would equal approximately $62,400. The portfolio is spread across eight ETFs covering U.S. growth stocks, high-dividend equities, emerging-market bonds, real estate, natural resources, and a thematic AI/technology fund. The weekly allocation breaks down to $50 each into VUG, VONG, VYM, and VWOB, and $25 each into ARTY, GNR, REET, and VNQ. This results in roughly two-thirds of the portfolio being equity-based, with the remainder split between bonds and real-asset exposures. Dividends are assumed to be reinvested, so all return estimates reflect total return rather than price appreciation alone. To project future outcomes, historical total returns for each ETF were reviewed and normalized to conservative forward assumptions rather than peak historical performance. ARTY has delivered roughly 11–12% annualized returns since inception but with high volatility, so a 10% forward assumption is used. VUG and VONG have produced long-term returns in the low-to-mid teens, but given concentration risk and market cycles, a 10% assumption for both is reasonable. VYM has historically returned about 9% annually when dividends are included. VWOB has produced lower but steadier returns in the 3–4% range historically, though current yields justify assuming closer to 5%. GNR has been cyclical, averaging under 5% long-term but higher in the last decade, so an 8% assumption is used. REET has returned roughly 4% long-term and VNQ around 6–7%, so forward assumptions of 5% and 6% respectively are used. When these assumptions are weighted by allocation size, the blended expected return for the entire portfolio comes out to approximately 8% per year. This is an optimistic but reasonable estimate based on long-run averages, not a forecast of guaranteed performance. Using that return assumption and weekly contributions, the projected portfolio value after one year would be roughly $16,200 on $15,600 contributed. After two years, contributions would total about $31,200 with a projected value near $33,800. After three years, contributions would reach approximately $46,800 with a projected value around $52,800. By November 2029, total contributions of $62,400 would be expected to grow to roughly $73,000 to $74,000, assuming steady markets and full dividend reinvestment. That result is materially short of the $100,000 target. To reach $100,000 in four years on $300 per week would require an average annual return of roughly 24% sustained for the entire period. That level of performance is far beyond historical norms for diversified ETF portfolios and would require unusually favorable market conditions every year. Alternatively, keeping the assumed 8% return and solving for contributions shows that weekly investments would need to increase to roughly $400 per week to reach $100,000 by November 2029. It is also important to recognize that even the $73,000 projection is not guaranteed. Markets over a four-year window can underperform historical averages, particularly for equity-heavy portfolios. While a strong bull market could improve outcomes, relying on exceptional returns introduces significant risk, especially when the funds are needed on a specific timeline. Because this is a four-year goal, such as saving for a car or other near-term purchase, the portfolio’s risk profile deserves scrutiny. The current allocation is diversified but aggressive for the timeframe. There is meaningful overlap between VUG and VONG, both of which target large-cap U.S. growth stocks. VNQ and REET both provide real estate exposure, which has been volatile and interest-rate-sensitive in recent years. Sector-specific funds like ARTY and GNR add volatility that may be appropriate for long-term investing but can work against a fixed-date goal. For a four-year horizon, a more balanced or simplified approach would typically improve reliability, even if it slightly reduces expected returns. Increasing exposure to high-quality bonds, short-term Treasuries, or a conservative allocation ETF would reduce downside risk as the target date approaches. Broad market equity funds can replace overlapping growth ETFs without sacrificing diversification, while limiting niche and thematic exposure reduces the chance of large drawdowns at the wrong time. In summary, investing $300 per week for four years is a strong savings habit, but under realistic assumptions it is unlikely to reach $100,000 by November 2029. A more defensible expectation is a final value in the $70,000 to $80,000 range. Reaching $100,000 would require higher contributions, a longer timeframe, or accepting substantially more risk with no guarantee of success. For short-term goals, preserving capital and reducing volatility often matters more than maximizing growth, and adjusting expectations or strategy early improves the odds of a successful outcome.
There are counter points to these. I'm not talking about small caps like some of the articles focus on. Most articles do not consider how the market has changed with everyone trading from their phones now. They do include the dot com bust. Can it happen again, of course, will it, no one knows. COVID changed the market, this isn't chasing penny stocks. There is a recency bias, in the numbers. But VONG bench mark is also followed by mutual funds and has consistently outperformed the SP 500 and value going back to the 80s. If you wanna boggle head, have at it, you'll do just fine and likely really good
>That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Long term, "growth" as a style has tended to under perform blend and value. 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) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Learn the basic taxes, learn the how to tax lost harvest and rotate between those funds when the market really tanks for some random black swan.
Same, VONG, SCHG, VUG, SPMO, rotation between them to harvest loss when it occurs.
I use VOOG, VONG and QQQ, VOO for diversification.
Of course, SCHG and VONG are growth ETF's while VOO and SPY are blend ETF's,. It's an apples to oranges comparison.
And SCHG and VONG have consistently outperformed VOO and SPY. If you have a long runway, either is a better place to sit then VOO.
How old? If young VUG, VONG, SCHG. Only one is strictly sp 500. All perform similar.
Splitting your funds between VOO and QQQ is fine. If you want a lower cost ETF that acts like QQQ, look at VONG, top growth stocks from the Russell 1000.
I was thinking the same. I ended up going with Russell 1000 growth (VONG) for higher returns and growth than S&P500, but more diversification.
When do you wanna retire? 20, 30, 40 years? Forget VOO and go all growth like VONG, VUG, SCHG etc.you have time to weather any down market and can adjust closer to retirement. Retiring in say 5-10 years, then seek value. Time value is on your side. If any of the above go to 0, money won't be our problem anymore.
Why are you bullish on VONG? I’m interested in it too maybe you could share your thoughts on it with me.
Leveraged product to buy and hold for 30 years, pass. VONG is my preference though, outperforms VOO consistently.
Why VOO? VONG has consistently outpaced it forever tracking Russel 1k growth.
It's simple, no reason to overcomplicate it. Sit in growth like SCHG. When market corrects/tanks, sell off lots with losses and buy VONG. Carry forward losses, and possibly realize gains to, this adjusting cost basis. Can also rotate in SPMO, QQQM, SPYG, etc for rotation to avoid 30 day wash sale. Trick is to always have 1 of the non correlated broad market available to rotate into.
There is nothing aggressive or growth related. Just Emerging Market and Small Cap basic funds. You need to add QQQ or VONG if you want some growth exposure.
Be fully invested. Never keep cash more than 5% of cash. Do Roth IRA or backdoor Roth IRA. Don’t only do VOO or VT, add some growth like QQQ or VONG. Invest in Direct Indexing, same as VOO with Tax Loss Harvesting. Take an advisor if you panic sell.
There's more than vanguard funds. There are vanguard funds that that consistently do better like VONG.
VUG is a cheaper VONG (and basically does the same thing, 84% overlap) I think CIBR and SHLF are unnecessary, but if you wanna tilt, do 10% each. Same with IBIT. I'd take the 20% leftover and do International fund, like VXUS. So my recommendation to you would be: 50% VUG (or VOO) 20% VXUS 10% CIBR 10% SHLD 10% IBIT
They spent the last 30 years saying, this is the year for foreign markets, better have a balanced portfolio. It wasn't true till this year. Tax lost harvest on the nose dive and rotate to something different, VONG, SCHG, QQQM, SPMO. Depending how old you are, seeing 21 years makes me guess around 40-45, in which case don't pull out or get safe too early.
Hi there I'm finally done picking single stocks and looking to invest in a few ETFs instead. I'm 26yo and planning not to touch the money the next 20 years. Currently, this is what i came up with: 1. 50% VONG 2. 20% CIBR 3. 20% SHLD 4. 10% IBIT Am I overcomplicating things and should just 100% VOO or is this approach reasonable considering a higher risk-tolerance and wanting to invest in growth. Thanks for giving your opinion :)
Mid-40s, I would not play trying to structure or make strategy with only $100K. The rule is: Just keep it simple. Invest in ETF like VOO to capture the market performance, maybe VONG if you want to add a bit of growth and finally minimum international with VXUS if you want to diversify. Maybe 50%, 30%, 20%. When you reach $1M, do the same and add tax loss harvesting, and a bit of private equity, and get an advisor for few years.
QQQM and SCHG Or just VONG Let the index weed out the losers and add rising stars.
I also have a much simpler go to strategy as well. 25% VONG, 25% VIG, 25% XMMO, and 25% IDMO. These give exposure to growth, dividend growth, mid/small cap, and International ETFs.
QQQM and VONG PCOXX for emergency savings.
Suggestion: VONG (core growth): 45%, CIBR (cybersecurity): 20%, SMH (semiconductors): 20%, SHLD or ITA (defense tech): 15% Rundown of each ETF VONG (Vanguard Growth ETF): Tracks U.S. large-cap growth stocks (Apple, Microsoft, Amazon, NVIDIA, etc.) Broad exposure, high quality, diversified, long-term compounding. Role: Core growth anchor. CIBR (First Trust Nasdaq Cybersecurity ETF): Focused on cybersecurity companies (CrowdStrike, Palo Alto Networks, Okta, etc.) Sector-specific but with secular growth tailwinds (cybersecurity demand only rising). Role: Thematic growth satellite with higher risk/reward. SHLD (Global X Defense Tech ETF) Exposure to defense & aerospace technology (Lockheed Martin, Northrop, Raytheon, etc.). Stronger in stable defense spending + geopolitical tailwinds. Role: Defensive growth/income tilt, helps reduce volatility.
It depends. Some will just stick your money in a mix of VOO and Bonds while eating a lot of your returns in management fees. I saw a guy that had like 30 different ETFs in his portfolio from his advisor and he was under performing the market significantly. Nowadays you can do pretty well with robo advisors from major brokerages like Vanguard or target date funds. With that amount of money I'd check out several different advisors if I had to get one. Personally I'd do a mix of VOO/VTI and QQQM/VONG if your young and have higher risk tolerance.
VONG (Vanguard Growth ETF): Tracks U.S. large-cap growth stocks (Apple, Microsoft, Amazon, NVIDIA, etc.) Broad exposure, high quality, diversified, long-term compounding. Role: Core growth anchor. CIBR (First Trust Nasdaq Cybersecurity ETF): Focused on cybersecurity companies (CrowdStrike, Palo Alto Networks, Okta, etc.) Sector-specific but with secular growth tailwinds (cybersecurity demand only rising). Role: Thematic growth satellite with higher risk/reward. SHLD (Global X Defense Tech ETF): Exposure to defense & aerospace technology (Lockheed Martin, Northrop, Raytheon, etc.). Stronger in stable defense spending + geopolitical tailwinds. Role: Defensive growth/income tilt, helps reduce volatility. Suggested allocation VONG 50%, CIBR 30%, SHLD or ITA 20%
90% VONG 10% whatever you find interesting.
Pick any of VGT, MGK, SCHG, or VUG. Depends if you want exposure toward large cap growth or tech. I picked VONG because the ticker was cool. Jk, it captures more holdings and market caps for growth.
The MAG 7 is a starting point for maximizing long term growth, but you need to buy carefully. NVIDIA is a must own, buy all the dips. VOOG and VONG are good growth ETFs. IVES is the Wedbush Dan Ives AI Revolution ETF. Good luck.
This stuff only works out great for short term bull markets. ARTY would be in the red if you brought at the peak of early 2021. ARKK would be red over 5 years and I'm red on my 5 year ARKG hold. XLK is great, SMH is good for exposure but VONG isn't giving the growth you'd want with the mega caps dominating. Future can't be determined, but most would do VOO over VONG.
The simple sucessful ETF portfolio I had used in the past is below. It's over- weight in tech, but thats where the returns have been the last couple of years. You can add other EFTs for other sectors to target, Xbi-biotech. I use the VOO/VEA combination before for non-US stocks and emerging markets. I like having a Cathy Wood's active managed ARK fund to boost returns, ARKK, ARKG or others. 1. VONG 80% 2. SOXX or SMH 5% 3. XLK %5 4. ARTY 5% 5. ARKK 5% I like VONG, 1000 Large cap growth over the plain VOO, S&P-500. I'm retired now with more time on my hands and have migrated over from hold & forget ETFs to pure stocks. Good luck.
**Sometimes I am fully 100% invested. If I find a new stock that I like, I have to sell something.** I usually sell stocks or ETFs that hasn't been performed since I bought it. Stock laggers for me. But I like to keep the high performers unless they have peaked and are slowly coming down off peak, such as Oracle. This week I like a new stock VRT ater great earnings yesterday before the opening bell. I bought it after the dip on earning yesterday and its up 9% since buying it 24 hours ago. Sometimes I park my extra investment money in a ETF such as QQQ or VONG until I find a stock I like. When I find a new stock, especially during quarterly earnings reporting. I sell off a stock that has been lagging in my portfolio. Everybody has their own system. Good luck.
Many 5 years of 20 stocks. I was a ETF guy before, VONG, SOXX, ARKK, XBI, etc... But my returns have been higher with stocks over the last 5 years. But sometimes when I can't decide which semi-conductor company to buy, Sometimes they all look good, then I just park my money into a EFT, SOXX or SMH to own them all.
VOO is the foundation. I like VOOG and VONG for growth.
SPMO, SMH, VUG, VONG, SCHG, QQQM, MGK pick your flavor
All the big index funds have heavy overlap. VOOG is more heavily concentrated in the top 10 large cap growth stocks. VONG mixes in some mid cap growth. Both are more growth oriented than VOO or FXAIX.
VOOG or VONG are ETFs of high growth stocks.
I like VONG as well for vanguard index funds
Exactly… park your money 75% VONG and 26% ITA Aerospace and don’t worry
VONG or VOOG Choose VONG if you're seeking broader exposure to U.S. growth stocks, including mid-cap companies, and are comfortable with slightly higher volatility for potentially higher returns. Choose VOOG if you prefer a more concentrated investment in large-cap growth stocks, aiming for stability and alignment with the S&P 500's performance. ITA aerospace and maybe add CBR Cibersecurity ETF
I'd recommend a 3 fund portfolio consisting of low cost ETFs following the broad market and certain sectors. A good one would be VOO, VONG, QQQM. (SP500, Russell 1000, nasdaq 100)
VONG, PHYS, CIBR, XLF. Sorry, that’s 4
Solid structure — I like the idea of having a 2–3 year bond/SGOV bucket to avoid selling in a downturn. That’s a smart way to smooth cash flow. I’m not retired yet, but I’ve been studying withdrawal strategies, and what I’ve seen from retirees who share their setups is: * Keep **2–3 years of expenses** in short-term bonds/treasuries. * Let equities (VOO/VONG/etc.) grow untouched unless you need to rebalance. * Some use **dividend ETFs** (SCHD, VYM) for a baseline income stream, but most still rely on total return + planned sales. * International exposure helps, but many retirees keep it light (5–15%). Seems like the key is less about chasing yield and more about keeping enough safe assets to sleep at night while equities do their long-term job. Curious for those already retired here: do you lean more toward dividends for peace of mind, or stick with total return + bond bucket strategy
That VOOG/VGT/VONG mix is real nice in a bull, but when things turn? That thing could nosedive hard and fast—it’s like being all gas, no seatbelt. and if that crash lines up close to retirment? you're not just losing numbers on a screen, you’re losing options, breathing room, actual years of freedom. being mid-50s and only hving seen the market when it’s smilng at you, that’s a scary setup. have you thought about what you’d actually do if your portflio dropped 30% and stayed there for 2 years? like do you have a real plan, or just vibes and hopium right now?
I just bought VONG recently myself. You’re in good hands trust me. Take another VONG hit and relax because there’s going to be some turbulence and there’s nothing you can do about it.
Oh dear...!!! **From Google Finance: Expense ratio 1.14%, Front load 5.75%, YTD return 7.35%, 5 yr returns 11.88%, Yield 2.46%** They took a big chunk of your money from the beginning with that Front load fee, then the high ER, and low yields created low returns over a 5 year period vs. 85-90% for the S&P 500 Index fund such as: SPLG, IVV, VOO. I would sell your Russell fund so it's cash in the account, then I would open the Fidelity Roth IRA account and work with Fidelity reps to have them get Russell to xfer the cash over to the new Fidelity Roth. Then invest in a basic broad based ETF like: SPLG, SPYG, IVV, VOO, SCHG, VUG, VOOG, VONG, etc...or VTI for all US total market. Good Luck........;+)
Keep cash in a HYSA to cover 6-12 months of expense, then invest what you can inside a Roth IRA for growth. Most can add $7k per year to $8k for those 50 and over. Growth ETFs: SPLG, SPYG, IVV, TCHP, VUG, VOOG, VONG, SCHG, (VOO for Boogleheads).
I'm confused. Did you buy half their house or the apartment? lol. But anyway simply DCA each month or bi-monthly to take advantage of the ups and downs in prices. And why VUG? I think SPYG, SCHG, VONG outperforms over the longer periods.
if you're younger under 50, invest in an ETF such as SPLG, IVV or SPYG, VONG for growth. 12%-15% annualized over the long term.
The majority sentiment here is VOO/FXAIX/SP500 over large cap growth like VIGAX/VUG/VONG, but personally I prefer it and have done well with this concentrated index. https://portfolioslab.com/tools/stock-comparison/VIGAX/VOO
put 30k into VONG or QQQM and 10k in NVDL that would give you about 23-25k exposure to Nvidia and diversify your risk but still staying technology heavy
I start off by funding my 3 fund portfolio VOO,VONG,QQQM. This is my long term investments for buying a house and potentially retirement. Next I have some individual stocks that I invest in that's medium to high risk but high reward. I buy AMD frequently as I feel NVDA is already pretty highly valued and can't grow at a faster rate as they did up until now. I also want to get in early on the Quantum Computing stocks that might end up being the next Nvidia/AI bull run. I own Rigetti but might invest in D-wave as well or buy a quantum computing ETD like QTUM. Note: 80% of my investments go to the 2 fund portfolio and the remaining 20% in individual stocks
I'd put aside 6-12 months of expenses away in a high yield savings account, let's say 100k (although thats a bit on the high end). That leaves me with 325k. I'd invest in a 3 fund portfolio which includes VOO, VONG, and QQQM. That now leaves 25k to invest in individual stocks or more "risky" investments. I'd invest in stocks like amd, costco, QTUM, one of the FAANG stocks, etc. This is how I would do it.
That makes sense VONG overlaps significantly with your other investments so rotating it into SMH could help further diversify your portfolio, especially if you want to increase your exposure to the semiconductor industry SMH does have higher volatility, but if you are a young investor focused on long-term investing this could be a wise high-growth-oriented choice
From a market value point of view Stocks & ETFs... VOO, DPZ, ENFR, XLF, VONG for individual stocks... DPZ, MSFT, MO, GOOG, AXP Domino's gets in there because we bought the year it IPO'd and has grown 2684%
I bought 2028 calls on ZSP and put most of what I had invested in VONG into gold bullion.
You’re simply tilting to growth with the inclusion of VONG. If that’s your intention, that’s just fine.
\> because they've tracked extremely similarly over the last decade You have a bad definition of "similarly". VONG is up +372% the past ten years while VTI is +235%. They are conceptually nothing like each other. Whether either one is a good choice for your portfolio depends on you... but the idea of holding a broad US market and then going heavier on growth is a very common choice.
Your core holding would normally be VTI, which tracks the CRSP total US equity market index. VONG tracks the Russell 1000 (large company) growth-stock index, which goes up faster and comes down faster than the broad index, generally speaking. I'd add something like VONG for spice alongside something like VTI. I would not use VONG alone as my core holding.
Are you just trying to increase your diversification? VT is total world market. You literally cannot get more diversified than that. I get that it feels like you're increasing your diversification by adding more tickers but you're not. VTI is already covering the total US market. Adding VONG has the opposite effect because you're overweighting growth stocks.
VTI is the market. VONG is growth. There is no point to owning both unless you want an extra tilt towards growth. There are two types of stocks, Growth and Value. Growth has outperformed recently. Value has outperformed historically. Since your goal is holding for decades, the correct thing to do without the benefit of hindsight is hold VTI.
Personally I'm a big fan of buy and hold and DCA a 3 fund portfolio. I'd take the 30k and put 10k each in 3 ETFs and hold. It's safer than potentially investing in overvalued individual stocks which can be risky. But also a 3 fund portfolio isn't "too diversified" like a 10-20fubd portfolio so you will be able to maximize your compound interest potential since your investments won't be spread too thin. For example I personally do VOO, VONG, and QQQM. 31%-32% contributions in each with the remaining couple percent in individual stocks for more "Risky" investments. This has been effective for me throughout the years.
There are two ETFs by top tech analysts you can buy and hold for 5-10 years: IVES is Dan Ives (Wedbush) AI ETF. GRNY is Tom Lee’s (Fundstrat) “Granny shots” ETF based on seven long term trends & themes. Many of the stocks in these ETFs are in much lower cost Vanguard growth ETFs like VOOG and VONG.
VONG? can you elaborate? Cause I just set it and forget it in SoFi. I’m not interested in picking and choosing stock on my own. I have enough on my plate with other pressing issues. But do explain I’m open to hearing new advice.
1. The guy needs to show you a stat that says how many of his clients in 2023 and 2024 were in the fund. Pimerica offers dozens if not hundreds of funds. There is no guarantee he would have advised you to actually put your money there. In 2023 fund managers were anticipating a recession and moving their clients into utilities and consumer staples and most of them missed out on the big 2023 gains. In 2023 **Amy Crews Cutts** the chief economist predicted a 50% chance of recession. 2. Pull your money out of State Farm it's probably in a CD or something. Damaging your retirement to help a family member out isn't in your best interest. 3. Move everything to SOFI and build a strong ETF based portfolio that reflects your time horizon and risks. My SO is close to your age and I built her portfolio which is 100% VONG. This covers 500 growth oriented stocks in US large cap and mid cap companies. In 2023 VONG return 42.67% and 2024 33.20%. 4. My personal philosophy is that you don't need international or bonds but you could add some international funds if you wanted too as well. 5. I aim at growth because I feel that the way the US large cap companies operate they have proven to be as recession proof as defensive and value companies due to their massive free cash flows and I think tech will out preform the market as a segment over the next 10 years. Even if I think that I still want to be somewhat diversified, 500 companies to me is an acceptable diversification of companies.
if you're putting your 401k into ETF's at least use ones with the lowest Expense Ratios (SPLG and VONG)
If you are going all in on the US, why not choose a growth fund like VONG? Myself, I am following Ben Felix and Michael Arone and ensuring I have a proper allocation of international funds.
Stay away from risky. Growth Stocks carry more risk. As for Risker, maybe SOXL? VONG would be more ideal. Honestly at your age, just putting it on Spy/Spx would probably earn plenty of long term gains.
I you want growth: QQQ is ETF for the NASDAQ 100. VOOG and VONG are both Vanguard ETFs of growth stocks. Long term performance is very similar. VOOG is more MAG 7 large cap growth. VONG is similar, but includes some small and mid cap.
No it was like 60% VONG, 30% SCHD (which wasn't as egregious a low to sell at) and 10% random things. Bought back at VTI like 267 and when google had that 150 crash but if I had just given up and gotten back into VONG that 1 week later when it all dropped again (but not as low) I'd have been sooo much better off, but I didn't want to give up on the chance or being right. Now I'm like -20% YTD still, weeee
I'd stick with SCHG/SCHD since it's already working well for you. FDVV is solid if you want more international exposure but SCHD's track record is hard to beat. For growth, VUG and VONG are worth considering alongside SCHG but honestly your current combo seems dialed in already.
She's a 10 but she liquidated her nicely DCA'd VONG on liberation day and later went full port into UNH @315.
Look for solid companies that have a reliable business model and consistent earnings. Compare the P/E of companies to the average P/E of their sector, and if it’s a solid company but below market, invest. If it looks overvalued, don’t put your money in it; even if it DOES go up, the returns will be very small compared to investing in good companies that AREN’T overvalued yet. I like Buffett’s advice that you could be an extremely successful trader just waiting for the two or three truly amazing opportunities that you get every year and not wasting your money on other so-so trades (or otherwise just buying an S&P ETF instead) What I’m trying to say is that the next NVIDIA is definitely out there already, and if you can find them before the rest of the market catches on, you’ll be glad you did the research. Or you can put your money into a small-cap growth ETF like VONG that will benefit from smaller stocks like this (although since the market is kinda overvalued overall right now, so I might wait until the next pullback to put your money into something like VONG to mitigate risk). And there are also comparatively undervalued stocks even at the top; for instance, I think that GOOGL and AMZN both look noticeably undervalued compared to other top stocks and are likely to have consistently solid returns in the coming years, even if they’re not gonna suddenly 10x or anything like that
"Takeaway: Buy the total market, and tilt to value (and the other factors) if you are younger and are able to take more risk." Thanks for the suggestion, but I've been perfectly happy with my growth index funds (VUG, VIGAX, VONG) for the last 20 years. They take a bigger hit during a downturn, but the overall return has been higher than the market (SPY, VOO).
I personally run 100% VONG when I buy ETFs. I'm just under 30 though. I only hold high dividend payers in my Roth IRA to take advantage of the tax free gains, but I don't chase dividend gains. I generally only buy dividend stocks for swing trades. Like when I buy REITs during dips to make a 10% gain and get out.
Depends on your ratio and age/objectives. SCHD is typically quite stable. We had a 50/50 between VONG and SCHD for a couple years and then I realized our safe money was in a high yield savings account and our stocks were supposed to be a bit riskier so moved it all to VONG. I'm early 30's though and it was only like 40% of our net worth (vs all in). Just sharing that I considered SCHD as a "safe" place which I would think VOO/VTI/VT types are also somewhat safer since they're so broad. Do with that context what you will.
Thanks - VONG pairs very well with gold/MF/safe-sectors.
My Roth IRA is about to be all in on SPMO. Thinking to drop VONG and XMMO, although they are good and I believe in those ETFs, they aren't as good as SPMO. Fucking love SPMO.
When did y'all get back in? I had $180k in cash and still holding like 80 now after putting 50 in VTI maybe 2 weeks ago and then another 20 in VONG/Berkshire yesterday (lol). Sold at $240 VTI sad I scoffed at buying back in at $243, then $250, now it'll never drop below $270 again haha.
Yeah man, this is not a diversified and is a trading port hedged by the S&P. Not bad, but allocation is humiliating. Build out a portfolio, take overweight positions to swing in single stocks of etf's you hold. Expand those etfs. Allocation wise you'd be served to take 20% (at most) SPY, 20% US diversified (I like VONG for growth), 20-30% total world VT is a popular position, 10% cash like positions (Bonds,JEPQ, Div's in general). You have 20% to trade (decently hedged) and the ability to allocate some overweight positions to singular stocks. Start slow, CC are a good starting point.
I've been holding off on Roth IRA contributions into shit like SPMO, VONG, XMMO, until those super red down days. Got the dips pretty well this past month or so, and now it's paying off. Too bad my 401k gets automatic contributions every Thursday/Friday
I use VONG just because it has more holdings than most of the others. On the other hand, if you want a more concentrated etf, SCHG or VUG. I’m not sure if it’s in those ETFs but VONG contains things like Coke. So it’s really a concentration/diversification issue.
I'd do 40/20/40 on the split, but that's just me personally. Depends on your risk appetite. I currently have 5 VUSD/FUSD/JEPQ/EQQQ/R1GB 33.33/16.66/16.66/16.66/16.66, which is like having VOO/SCHD/JEPQ/QQQM/VONG but it really doesn't have to be that complicated.
Cool, thanks. Right now the Roth is all in on SPMO, XMMO, and VONG. Down 6.39% YTD but only around 4% total since it's still relatively new. Just been tossing $50 a week into it.
My son turns 1 soon and I’ve been buying QQQ and VONG weekly.
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!
Maybe not as an economy but for the stock market? Normally it follows the economy but this feels different doesn't it? I don't know I did a ton of research a year ago, picked VTI/VONG and was going to let it ride till retirement until I panicked Monday and now I'm relearning everything so maybe this doesn't feel different. But last week was too wild for me to expect rational behavior anymore.
VONG going to skyrocket Monday because I panic sold last week. Expensive lesson that I'm not nearly as clever and calm as I thought...