Vanguard S&P 500 ETF
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19Y/UK. Any advice? I plan on putting in another 10k in the upcoming months, probably to VOO? GME average was $90 and NIO was $49 (take profit order at $60). QQQ is there just for a feel of change. Is it looking good? I have a high risk tolerance due to my age (around 40-50k in blue chip crypto)
I'd just put it all on VTI, it has a lower expense ratio and has smaller companies included as well. If you really want the large cap focus I'd get VOO since it has a lower expense ratio than SPY. Most people just use SPY for the liquidity.
It might be redundant but if it keeps you happy and makes it so you want to keep investing go for it. Personally, I would switch SPY for VOO as it’s cheaper (not to say SPY is expensive tho), but realistically it doesn’t matter that much.
Haha! I love it. My smaller positions I cash allocate going in, so the group as a whole should act like a market cap weighted ETF over the years. But 60% of my capital is behind five picks: 1) Ford (F) 2) Athira (ATHA) 3) Discovery (DISCK) 4) Nasdaq (QQQ) 5) S&P 500 (VOO) Netflix had become my largest position until I sold it in it’s entirety last year. Started selling once it crossed $600. My cost basis was around $60. Something about seeing 1,000%, lol. Price target for F is $50, ATHA is $100. DISCK is hard to say since it will become Warner Brothers Discovery (WBD) soon, but I’m thinking around $200 billion market cap in ten years...
By investing in both, you’re effectively overweighting the top 500 stocks in terms of market cap (since they’re present in both). But, if you want the S&P 500 in addition to VTI, use VOO instead of SPY—same shit, lower fees.
Listen to me. You are 24! You have the one thing a lot of people don’t have…time! You should be 100% stocks/ETF’s. Put it in an S&P 500 index fund like VOO or SPY. If you have a significant amount to move, you can do it in chunks, like $1000 per month or $250 a week to get the dollar cost average down. Hell, I’m 45 and still 99-100% in the market. You can even just keep using that Roth IRA. Do it. Seriously.
yes. long term investor don't care what the market is doing day to day. Even "Bob" the worst market timer in the history of mankind still somehow made money. (https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ )....make a plan: set it and forget it. It is time in the market and not timing the market. Also, I wouldn't put 50% in QQQ: I suppose you can but it is more risky. Maybe a smaller percentage to "tilt"??I would suggest VTI/VTSAX over VOO/VFIAX or whatever Fidelity/Schwab equivalent of total market index -performance chasing can be deadly to one's portfolio. ie. ARKK: it has very good return over 5 year period: but most of the money was poured in when it was high. I believe most money invest in ARKK has lost money...
Some people are barely making ends meet especially with kids. Some 60% of Americans don’t have $500 to cover next car emergency. My spouse’s high school friend had to set up a GoFundMe over a broken furnace in winter in the Midwest - didn’t have few thousand dollars to get it fixed. Some people work two jobs and still have to live in a shelter. You throw in student loans and quitting your job to take care of an elderly parent or to stay home with a kid with some health issue… It isn’t easy. I am not saying it is impossible but when the decision is: “Do I pay for my kid’s little league fees/uniform or invest in VOO - VOO often takes a back seat.
Funny, I do this. I guess it’s just to have a little mid/low cap exposure. VTI and VOO though, not SPY. I guess it depends how well you think low cap will do. It’s a little redundant I guess, but I just don’t like how much low cap may drag things down over the next little while
Yet the five year numbers show VTI is the lowest return of the three major market ETFs listed above, even with VOO “missing out” on tesla for so many years. Obviously 5 years is a small window. Of my automated investing, 10% goes into VTI. Admittedly, my automated cash flow system MAY be overly complicated, lol, but I was seeking a certain overall ratio of Large/Mid/Small cap, US/Foreign, Growth/Dividend, as well as slight sector overweight adjusted annually. The end result: My complicated automated system has under-performed the S&P benchmark by about 2% the last two years running, lol. The automated side is just half my stock portfolio, though. I’ve still outperformed the benchmark years running from high conviction single stock over-weighting, although I know and trust the data on indexing, which is why I implemented the automated system a couple years ago to help my portfolio start going more in that direction. If I calculate the TIME I’ve spent analyzing/thinking/picking....then have I TRULY outperformed the benchmark with my high convictions? What’s the opportunity cost of so much time? I fully automated my children’s brokerages, although I do give each portfolio a single stock pick each year so they learn also the fun side of investing.
> For index funds try to avoid overlap; VOO and VTI are basically the same, so pick one and ignore the other. A common pattern is a 2/3 fund portfolio: US market (VOO or VTI), international markets, bonds. I personally don’t do bonds (with the negative real returns this is just less liquid cash…) or international but it’s common so felt to point out. Got it. Leaning towards VTI+VXUS+maybe 5-10% QQQ > only real risk is US solving the education cost… sadly feel this is low risk…. My concern is that in 20years college education is going to lose its value. If you can learn programming, ML, AI on your own and get a fair shot a job or being an entrepreneur, then maybe that + a community college (to build up social skills) might be enough vs spending all those $$$$$ > I have fidelity and you can auto invest, it’s just super clunky…. You have them pull X from your bank on fixed dates (why no bi-weekly?) the. The next day put in each stock/etf (think you need to setup for each…). Also DRIP (dividend reinvestment) isn’t on by default so sadly have to enable per stock!!! Got it. Thanks!
Etf is an Instrument that you can trade like a Stock and it represents an Index like the sp500 or Nasdaq. Very Safe. Best is to continously pay into your etf like one thats called VOO or QQQ and just never think about it again until you need it one day far down the future. But dont do any risky stuff brate.
Companies like Wealthfront and Betterment have white papers where they explain their TLH methods and list the near equivalent ETFs they use. I am pretty sure that they have had their lawyers look carefully at this and aren't just relying on the IRS not noticing what they are doing. They avoid swapping between ETFs that have the same exact index, like VOO and SPY, with both track S&P's SP500 index. IRS has never issued a ruling that even this is a violation.
I would buy VTI over VOO. Vanguard did an analysis and concluded that VTI was a bit better than VOO , so all vanguard employees get their 401k contributed and matched into VTI by default now. VTI covers some mid and small cap and it beats out VOO when nasdaq or dow is up with the market or doing better than S&P. If you had VTI in 2000 you would have had some exposure to big lockout tech winners like tesla, zoom, square and so on. But not with VOO
I think the important thing long term is to keep dumping money into appreciating assets. And that *generally* means the best time to invest is yesterday, and the second best time is today. However, none of us knows the future. | market up | market flat | market down ---|---------|-----------|----------- invest now | win | draw | lose invest later | lose | draw | win Could be that waiting a year or three will win, could be that it'll lose, could be that it doesn't make much difference. But if you're continually saving and investing, you'll probably do alright no matter what. I like QQQ, but it is a narrower fund, which means it can have larger swings. And it does have a significantly higher expense ratio. My guess is, over 20 years, QQQ outperforms VOO. But it's just a guess, and no more or less valid than your own guess.
I just threw an additional 250K in VTI, VOO and QQQ last week, Holding that as long as I can. You can consider it a big DCA as I usually do a few big tranches one or twice a year. Not stressed about it. Don't ask why both VOO and VTI I just like it like that.
You should put at least 80% of your money into ETFs like VOO or VTI. These track the S&P 500 and the entire US stock market. You shouldn’t listen to the people on here for individual stock picks. ETF’s and Index Funds are the best bet for a beginner. They’re the best bet for everyone imo. I’d also recommend using fidelity if you’re not already
Great context but very misleading. What do you mean by "It" Skyrockets? This concept is very motivational, and it does ring true, but not entirely. In the dot.com bubble burst, not all stocks dropped. Out of all of the ones that did plummet, not all of them skyrocketed. Some never recovered, some moved up slowly over time. Many stocks and ETFs have already been in a bear market. Look at Ark invest for example. If by "It" you mean the S&P 500, then realize that many of the group in here are not all in on VOO and SPY. You are right, we shouldn't be motivated by fear, but we must also use common sense to sell, even for a loss if that cash will allow you to gain somewhere else. Walmart stock didn't record for over 10 years. If you held it you would have missed out on massive gains.
No argument there. All me and the guy I was responding to were saying is that shit doesn't always bounce back quite as quick as OP is saying. The typical advice is that you should have a 5 year time frame for your investments. 13 is even better. Even if you bought the very top of the dot com bubble and did absolutely nothing (don't average down, etc), you still would have seen profit eventually as long as you were in solid companies. If we do end up crashing, shit like WISH probably isn't bouncing back, but MSFT and shit will almost certainly see another all time high again, even if it's several years from now (not saying that will happen, just using it as an example). Also, I know this is WSB and not those pussies at r/investing, but if you just go all in on something like VOO shares right now, you're going to do just fine long term barring some sort of doomsday collapse, in which case your investments will be the least of your worries.
My opinion, figure out a pie chart for a portfolio mix you can get comfortable with. Then, rebalance and buy into stocks/ETFs that will get you that mix. You've obviously got a lot of meme stocks, and some crypto. That's ok, but a whole portfolio with that is basically gambling. I personally would add more market index ETFs (VOO, QQQ, VTV, etc). They are boring, but over time they go up and to the right. If you believe a big dip is coming, buying into those at that point is a good play. And if your speculation picks don't pan out, at least part of your portfolio is bringing you returns.
I second this. Majority ETFs, a few growth picks. Add what you can comfortably afford EVERY month. Trim your losing picks annually and let the winners run. 60% VOO, 10% ZIM, 10% GOOG, 10% MSFT, 10% AAPL. Wouldnt be a bad distribution for a small account.
If it was 2021 I will say go for it. Your 85% pot in VTI or VOO will not return that stellar. Banking analysts think this year it will print >7%. That will also affect your tech stock 2022 return. You should include a MSCi quality etf more diversified. 400 etc. FAANG used to drive up VOO price, In 2022 due to rotation the smaller mid cap may stand out. I will also you look at consumer staple sector more. With high inflation it will be harder to borrow which will keep tech sector lower profile.
I have almost zero concern on what your parents did (see below). Essentially, this is an extremely short time frame (12/7/21) and it is concurrent with the recent downturn in the market. Expense ratio is high though. I would probably consider VOO or VTI for their expense ratios, but dollars to donuts - they are down too in the same period.
The good news? You have a great attitude and want to learn. Furthermore, it looks like you have a total of $500 invested . . . The bad news? They're all dog shit stocks. As others have said, sell everything and start over, but this time, invest in an ETF, such as VTI or VOO. You probably are NOT going to pay attention to this advice, i.e., you'll go out and try your hand at other individual stocks again. Big mistake. There are zero "get rich quick" schemes available, e.g., options carry a 94% failure rate. Similarly, investing such a small amount on a few equities as you've done, exponentially increases the risk of failure . . . thus my recommendation that you buy an ETF. I say the aforementioned because I know - I retired early years ago after a successful career. Concurrent with that, I invested wisely - no individual stocks until I had amassed $10k plus in ETF and mutual funds . . . Today, I have $1 million plus in cash; coupled with $4 million in various investments, including real estate. Most of the successful investors here have done the same or are on the same track. Good luck going forward!
First congrats on opening an retirement account at your age. Second from what I looked up it’s a leveraged FANG etf. There has been a tech pullback recently and this is a leveraged etf meaning you feel it worse. However it should come back and you have time. My concern is the expense ratio at .95%. That’s kinda high and will eat profits in the future. I would look at diversifying into other etf like total market and a and P. VTI and VOO are cheap to own. Also if you like tech maybe QQQ for that exposure Hope this helps. .
20% in bonds just as some insurance for the future when things begin to dip and I like FSKAX instead of FXIAX because of more exposure to the entire market rather than the top 500 companies. And I like VOOV over FXIAX just as a personal preference. I debated FXIAX, VOO, and VOOV for a while there as my S&P 500 exposure.
Thanks! When I selected the stocks in my portfolio, i definitely took a peek at their financial health. Safe to say i need to better understand all the dynamics affecting price movement. I'll definitely put some in VOO this month.
VOO by vanguard is a lower cost sp500 fund than SPY. I would lean VOO for sure. Have you looked at Berkshire Hathaway’s business and asset portfolio BRKB? I used to own cronos, I sold for around $15 and I moved my cannabis investment money into the fund MSOS. I did research on MSOS top holdings and the American multistage cannabis operators seem to me to be a better value in the stock market than a cronos or say a CGC. These American companies are like curaleaf, trulieve, green thumb, Columbia care, etc I would definitely consider researching financials, profitability, valuations
First, thank you for giving such solid advice. Ive read most recommending to derisk through ETFs. Im leaning towards keeping all positions open and any new money i put in will go into ETFs. Ive been reading up on VOO and VTI so far. Considering SPY and QQQ as well. Many thanks sir.
I wouldn’t close anything unless something fundamentally changed about the business or my initial investment thesis. What I would do tho I’d start putting new money into a low cost ETF you believe in. Ordinarily I’d say VOO, but the market seems top heavy rn with lots of investor money passively flowing into a large cap like apple. Healthcare and biotech is oversold rn so I been buying a low cost iShares IDNA fund. Find a low cost (low expense ratio) vanguard fidelity or Blackrock fund you believe in. In times where you feel even slightest bit of uncertainty, believe me it’s easier having most of your money in reputable ETFs like this than it is a speculation on an individual stock. Usually when there’s real pain in the stock market, I will take profits on a small fraction of my ETFs and I will buy my highest conviction individual stocks. For individual stocks, I have mandatory due diligence that can be hours of research on valuation and the business
Depends on the stock, depends on their fundamentals, and depends on the timeline. The market is made up of individual stocks, some good some bad. Some which should never be held for a day, much less forever. I’d much rather hold any number of solid individual names in a hypothetical “1-stock portfolio” than be stuck with the market-cap weighted TSLA exposure of an “only-VOO or “only-QQQ” portfolio.
Your probably correct that returns wouldn't be infinite. If the fund outperformed it would grow to be big enough the excess return from inside trading would diminish to a level near VOO return plus fees. In the process congress people would loose their edge.
What I would recommend depending on age is a portfolio of 10% FAANG stocks, 20% HFEA(look it up its not a ticker) 35% VOO and 35% VTI, this will (hopefully) be fairly safe and stable, with some positions to grow faster as well
Sounds reasonable! For index funds try to avoid overlap; VOO and VTI are basically the same, so pick one and ignore the other. A common pattern is a 2/3 fund portfolio: US market (VOO or VTI), international markets, bonds. I personally don’t do bonds (with the negative real returns this is just less liquid cash…) or international but it’s common so felt to point out. 529 is good so you are ready when your kid gets older. If you have other kids can also change the account to them if they need the money more; only real risk is US solving the education cost… sadly feel this is low risk…. I have fidelity and you can auto invest, it’s just super clunky…. You have them pull X from your bank on fixed dates (why no bi-weekly?) the. The next day put in each stock/etf (think you need to setup for each…). Also DRIP (dividend reinvestment) isn’t on by default so sadly have to enable per stock!!!
I did all no load, no transaction fee, low expense ratio mutual funds for mine. I’m planning to add VTI and VOO ETFs in the future. I put individual stocks in a regular brokerage account because I sell individual stocks if they are trash after a year, but I don’t put any individual stocks in my Roth. I could, but choose not to. I find it’s easier to pick a handful of investments, fund them regularly and not worry about buying or selling in my Roth.
Yeah I was zooming out on the S&P500 chart yesterday. You see four distinct slopes. The one we just experienced since the covid drop is outrageously steep. If it drops and continues the old trajectory it could be 3 years until see see these prices again. Scares me a bit. Also to those just saying “buy VOO and forget it” there were several periods where the net gain over 10 years was zero. It can happen again.
Unless your outlook is within a couple decades, you should just be putting everything into indices like VTI or VOO, setting it to auto deposit, and forgetting about it. Waiting for the next opportunity to "buy low" could be next week, or in 10 years.
Honestly, for the most part I’m keeping a steady flow into index ETFs: VTI, VXUS, VOO, QQQ, SPMD, and SPSM. Then QYLD and RYLD, for volatility. My high conviction plays of 2021 were/are: BRK-B from Q1, ATHA from Q3, DISCK from Q4, as well as airlines and cruise ships. ATHA has the most upside and is in my circle of competence/have an edge. F is my largest position, from the Covid Crash. I panic sold a bunch of my covid crash stuff end of 2020, but kept a few, including F. I’m hedged for war, inflation, and deflation.
I think the question isn't >What could you do with $100 a month? But >What do you want in return for $100 a month? Because it really depends on what you're looking for in return? * If you're investing for the ultra long term growth then something like VOO or even the leveraged ETFs will be fine. * If you're looking for immediate returns and you don't have income then something like MORT or O will immediately start netting you income. If you're only getting $100 a month with no other income then having the dividend be taxed wouldn't really impact you much anyways. * If you want to gamble it all then some call options, lotto tickets, or some crypto coin?
UPRO, VTI, VOO, O are some if my “major” holdings. Turn on DRIP and let that interest compound. Note there is a difference between the Apes/Retards and autists here. Think NASA plotting the entire universe In CAD Autist. Probably definitely don’t take advice from anyone here if you plan on saving or making money as well. Blue Chips are safe and some pay monthly Divs. Good Luck
I've seen your posts throughout a few options subs and I have a follow up question for you if you don't mind. Let's say I want to hold a position long term (think ETF like SPY/VOO/etc.). Can I sell CC's against that position to collect premium and if the underlying reaches/approaches the strike, buy the contract back ideally net profit and then roll the CC out and up? So I sell the first CC at 30-45DTE at \~0.30 delta. Then if at 7-14DTE the underlying is approaching the strike I should be able to close the position for net profit? Then sell another call 30-45DTE again at \~0.30 delta? Does this work? What is the downside risk here that I'm not seeing?
Seriously I can't fathom what 2020 has done to my safe space. How does one (actually, one thousand) come to a sub with this fucking name, look at even the three most recent posts, and think to themselves they'll post a fucking retirement SPY vs VOO bullshit question asking which will make 0.3% more over 90 years. Can't wait until reddit bans swearing upon ipo and then the only joy in my life will be extinct for good
I have 100 MSFT, 100 NVDA, 100 VOO, 100 XLK, and 300 AAPL. I’m slightly OCD and like to have everything even. This obsession started after I acquired 300 AAPL and this imbalance bothers me. The reinvesting of dividends also has been throwing off my balance as now I have fractional shares, like 100.25, 100.63, etc. I try to ignore it.