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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
So you don't like volatility then. Buy things that are less volatile. Index funds aren't "safe" but they are less likely to have major swings than individual stocks. For VOO to go to zero the US stock market would have to go to zero. We have bigger problems at that point than your retirement.
The strategy for making money with ETFs like VOO is to buy and hold for the long term. There will be both ups and downs. But if America is down for 20 years, there's bigger economic issues going on that are likely tanking any other investments you might have made.
They just seem incompetent for presenting it as such. It is pretty common. Most advisors suck. They speak like normies. I hear it all the time. They think their job is to “beat the market”. They sound like civilians. They think they are bashing the current advisor trying to steal business, they are just showcasing their ignorance. No well balanced portfolio with diversification is going to beat the sp500. Pure VOO is 100% aggressive and while pretty diversified, not the most diversified. Diversification lowers risk. Lowering risk is adding safety. Why would less risk = more reward? Answer: it normally doesn’t. People think diversification increases return, it doesn’t really work that way. It increases risk adjusted return, that is not the same as overall return. They just sound like bad sales people. Honestly. You should ask them if they will be beating the sp500 consistently now that you are with them… lolol
>Having said that, not matching S&P500 is very common and not some gross mismanagement. Gross mismanagement would be the portfolio going to zero. Well here is the cux if the issue. If you want to match the returns of the S&P500 just invest in VOO. Now if you want to beat the S&P500 thats risky , the S&P500 itself might be too risky for most people and trying to beat it will be even more risky The S&P500 fell 55% in 2008/2009 , if your investment advisor was trying to beat the index you probably would have had similar losses People seeing their managed portfolio fall 60% in a year is what causes lawsuits, so most advisors setup a more diversified less risky portfolio that will under perform especially in bull markets
I don't mean to be rude, but why are you asking us? The information you need is 1) in your portfolio history, and 2) in an online chart of the S&P 500 by year. You can create your own spreadsheet that looks at how much your financial advisor earned or lost each year, and compare to the S&P 500 performance by year. And yes, that should most definitely point out to you that you would be better off just putting everything in an S&P 500 index like FXAIX or VOO and just letting it ride. And I'm assuming there's a large amount of money at stake here (25 years and underperforming the SP500 by 122.42%). You should probably talk to a lawyer and see if you have grounds for a lawsuit. Underperformance is not enough, but if you can prove the losses were a result of misconduct, you may have a case. The S&P 500 had a phenomenal last 25 years, returning 265%.
Yea it’s a weird pitch to say you should stay with us because we’ve lost you so much money. It’s hard to know what to say without knowing what the objectives were and what the investments were. If he was just picking growth stocks and did a bad job then that’s terrible and you should just be buying VTI or VOO and avoiding an advisor. But if he was told to create a balanced portfolio and limit risk then you’d expect to underperform the SP500 over a long bull run.
You need to understand that when portfolios are large and professionally managed, they will be less risky and more diversified than just pure VOO… Would your family been ok being full VOO? Likely not, they would have panic sold a couple of times in those 25 years.
It’s clear we’ve got the expertise many of the world’s leading universities are here, cutting edge research is done here, and top performers are compensated better than almost anywhere else. That said, diversification still makes sense, and choosing VT is solid. Just don’t rush back into VOO the next time the U.S. happens to outperform international markets for a year
Kinda of an odd thing for a VOO bull to say. But ok
125/week VOO in Fidelity account. Work to increase that weekly. Sell only when you have something urgent to pay for. Learn about Roth to see if that is right for you. But if you want full flexibility, taxable is fine. Everyone starts somewhere. Best of luck!!
Not so much a “scam” and more a you should know better situation. Just set a weekly auto buy for VOO. Sell only when you have something urgent to pay for. Learn the lesson. Chalk it up to paying tuition.
You start seeing the "snow ball" effect after about 100k. It becomes even more noticeable after 250k. Think of it this way, with a conservative 8% return at 100k, that's $8000 additional dollars or an entire months salary for a professional worker in the U.S. 8% at 250k is nearly $20,000. Once you reach 500k we're looking at 40k, and once you reach 750k an 8% return is equal to the median income of a U.S. worker. **As for your hypothetical:** Scenario 1) Assuming an 8% return you'd be at nearly 180k. Scenario 2) Assuming 10% (the average return for VOO the last 20 years) you'd be at 191k. **In either scenario, this is the stage where things really start snowballing.** In the 8% scenario you will be at nearly 325k in 15 years and almost 600k in 20 years. In the 10% scenario you will be at nearly 400k in 15 years and 700k in 20 years. Keep in mind these are conservative estimates. If you were able to net a 12% return then in 20 years you would be at almost 900k (from just investing 1k a month for 20 years). **Another scenario to look at is if you increased to 1500 a month or 2000 a month.** In the 8% return scenario at 1500/month you would be at almost 300k in 10 years and almost 900k in 20 years. At 10% at 15/month you would be at 320k in 10 years but over a million in 20 years. **Now if you were able to invest 2000 a month for the next 10 years.** At 8% you would be at 370k in 10 years but in 20 years you would be at 1.2 million. At 10% you would be at 415k in 10 years but in 20 years you would be at 1.5 million. *TLDR; At 1k a month or 2k a month you will be in a very good position in the next 10 years. However, the snowball effect really starts to kick in once you've invested 250k and only gets more intense after that.*
Oh, in that case…there are certain “covered call ETFs” that do the work for you, albeit at thresholds you may not like or want. For example, XYLD, QYLD and RYLD are simplistic CC ETFs that just sell at-the-money calls each month on the S&P500, Nasdaq-100 and the Russell-2000 respectively. Those you can buy and turn off your brain, but they have slightly higher fees than some prefer (not bad 0.60%, but not vanguard-level VOO 0.03%). They may not mimic your exact preferences perfectly, but they’re options, pun intended. Your ISA allowed list of purchasable products, stocks, ETFs, and bonds may or may not allow these specifically, but there is probably something similar offered. As for looking into an SIPP…You cannot directly transfer funds from an ISA to a SIPP; instead, you must withdraw money from the ISA and contribute it to the SIPP as a new payment. This enables you to claim tax relief on the contribution (20% to 45% depending on your rate) while utilizing your annual pension allowance. It’s recommended if you’re at a higher (relative) tax rate now compared to what you would expect to be taxed at later in retirement. Just another option for British pensioners, do your own calculations for which one benefits you more. Usually max ISA first if you’re just starting out or low income earner, then flex into an SIPP if you can…flip the order once you start making a lot. Theoretically, cap out both every year if you can afford to for maximum long-term benefits. Each worker like yourself will have to budget to see the exact ratio that works for you.
Open a Fidelity account. Get rid of SCHD and gold. Split it up into weekly instead of monthly. Sell only when you have something urgent to pay for. Work to increase the weekly amount. There is nothing wrong picking some stocks you like as long as you do it automatically and don’t panic sell. You will eventually learn to just increase the VOO, just makes life easier. But I do the same with some of those stocks you list. It’s fun. SGOV for emergency fund and large known expenses. Keep life simple.
> Is it worth having a financial advisor The single most important thing to understand is that **Investment Management** is just ONE SMALL PART of what a proper Financial Advisor provides. You can probably learn all you need to from spending, oh, say, 90 minutes reading this sub -- which will be "VOO and chill" regardless of your investment objectives, timeline, risk tolerance, etc. So, you'll want a Financial Advisor if you want more "sophisticated" investment advice (Asset Allocation model, for example), or if you want want someone to help you with **estate planning**, and **retirement planning**, and **insurance planning**, and **tax planning**, and just all-around **financial "modeling"**, then yes, a CFP^^TM or ChFC^^® or equiv is a useful person to have a professional relationship with -- and yes, that person deserves to be compensated.
You have the most amazing self control / post nut clarity of anyone I have ever seen. Congrats and VOO and chill or just sgov and chill if you really don’t want to look / be tempted haha
If it grows at an average of 8%-10%/year then it will grow to $173,800-$191,249 That's a fair estimate if it's all in on VT or VOO. You're adding a bunch of different funds and stocks, and you'd have to evaluate those separately.
Tbh I’d do $500/ VOO, $200/ VXUS, $200/SCHD, $100/BND if you really wanna split it like that
If you’re already maxing a Roth with VOO, your taxable doesn’t need to be complicated. You can literally mirror something like VOO or VTI and keep it simple. Broad index funds are already pretty tax efficient because they have low turnover. In a taxable account you generally want to avoid high dividend funds and constant buying and selling, since that creates unnecessary tax drag. Long term growth, low fees, low turnover and consistency usually beat trying to optimise every detail. The account type matters less than staying invested for 10 to 20 years without messing with it. I break this kind of stuff down in simple terms in my weekly newsletter if that helps. It’s in my profile.
I would have been way ahead if I had just put my money in SPY 10 years ago instead of chasing momentum and doing FOMO stock buys. I was up quite a bit, until silver nosedived last month. Right now I'm split between gold and VOO. It's really hard to train yourself to stop playing around with your portfolio. It's like making biscuit dough from scratch, the more you play around with it, the worse they come out.
The beautiful thing about VOO / index investing is that you don't put all your eggs in one basket. It's spread out over a bunch of different companies. If you want even more diversifcation - you can look at VT. It's a global index (rather than just the USA, which the S&P 500 is). Last year VT outperformed VOO (US markets lagged global ones) - but over the last 10 years US markets have outperformed.
Goodluck! Stay away from wallstreetbets, it's a gambling forum. There's a heavy overlap between investors & gamblers, so take the advice people give you with a grain of salt. I frequent both. For most people (unless you're really rich) - a financial advisor isn't worth the extra fees. Passive and chill is the winning move. For a first time investor - realize that markets can & do go down - even passive investing. Over the last 5 years we've seen VOO / S&P 500 have over a 15% drawdown at least two times. This means your $100k of investments would lose (on paper) $15k IF YOU SOLD. If you just chilled & held - you'd be riding an ATH / (all time high). Don't panic! It's pretty normal to look and see your investments lose 1-5% of their value, only for it to swing back a few weeks later. Have a timeline of 15-20+ years for these investments. If you're looking shorter term than that - there are other strategies that can help perserve value (but limit upside if markets continue their upwards trends). The number one mistake new investors make is panic selling when things turn red. Your best bet is to just index and chill. Over the LONG TERM you'll average \~10-12% growth year over year. Last year SPY went up 16% the year before it went up like 30%, year before 15%, year before it dropped like 15-20%. It's expected with markets.
Thank you, we’ll look into the VOO and also more options for diversifying it. Not putting all our eggs in one basket is a good choice so once we learn more about other options, we could start branching out! .
So I guess I need to buy 47.46 shares to get 30,000 invested in VOO? Sounds like needlessly complicating it but OK I guess I’ll do that
10 - 20 years being very long term got a chuckle out of me Keep what you have but add new money to VOO. Retire fat and happy 40 years later
> I tried VOO, but it only trades in stock quantities not dollar amounts You can totally buy VOO as fractional shares ("dollar amounts").
That would still be FXAIX, which is a Fidelity mutual fund tracking the S&P 500. VOO (along with SPYM; both track the S&P 500) trade in shares, but you can trade as little as 1/1000 of a share with Fidelity and can enter orders in dollars (it may need to round to the nearest 1/1000 of a share, but with SPYM especially that will be $0.08 increments.
IMO passive investing is the way to go to start out. You can be either passive (buy and forget) or active (someone or yourself manages what companies are invested in). Passive is lower risk & tends to outperform (it outperforms active investors / funds \~92% of the time). Passive investing (ie: S&P 500) is basically buying a little bit of the 500 largest companies so you're not exposed to any individual one. If you invest $500, you might get $3 of exposure to microsoft, $3 to amazon, $2.8 to apple, $2.9 to nvidia, $1 to BAO, 50cents into new company, etc, etc. This is good if you're not a very informed investor / just want "the average". [https://investor.vanguard.com/investment-products/etfs/profile/voo#overview](https://investor.vanguard.com/investment-products/etfs/profile/voo#overview) Of course there are a ton of other options, but that's generally what is considered "the safest" way to expose yourself to equities. It has the huge upside of that if <high risk, low value> company dies/goes bankrupt - you lose like 25cents (of the $500 you put in). [https://ca.finance.yahoo.com/quote/VOO/](https://ca.finance.yahoo.com/quote/VOO/) Over the last 5 years it has returned 77%, and over the last 10 \~400%
More VOO, VTI, VT, VXUS, QQQM, VGT, SMH. What’s your risk appetite? At a younger age, QQQM or SMH is more interesting.
Solid foundation, already 401k match, emergency fund, no debt. With $500/month, broad EFTs like VOO or VTI are a safe start. For diversification, Personally I also been using something like Fundrise, which can diversify into private markets, so your entire portfolio isn’t tied to public stock swings
Stick to relatively low risk ETFs. VOO is often recommended. Avoid options & picking individual stocks / companies unless you're very familiar with the industry / informed about them.
Learning is never terrible advice. Before picking the next ETF beyond VOO, it is very good advice to learn more in lieu of just slapping another ETF into his/her portfolio based on a Reddit post.
Take this with a grain of salt, as I am not an investor expert and fairly new to investing myself. However, I am of a similar age and similar saving amount situation up to a year ago (much better now), so this is all anecdotal. At this time last year I had the same amount as you saved up. I had student loans at about 6,000 (350 a month 6% interest), car payment loan about 1000 (another 300 a month 9% interest) and HVAC loan 10000 (about 110, 10% interest). I could manage all those payments, plus save about 200 a month with my salary. The first thing I did was focus on my student loans. Financially, this was a dumb decision due to low interest rate and small tax break. Mentally, it was what I could achieve the fastest and give me a sense of accomplishment to keep going. I put all my tax returns and extra income (work bonuses) towards my student loan while still saving about 200 a month. I finished paying that off this past December and now I started rolling that into my car payment, so 650 a month now. In the mean time, my savings slowly increased to about 5k and that's with just making them sit on a savings account at 1%. Another dumb decision as even putting them towards bond/noted would have given me at least 3%. You could argue that I could put that 5k towards my car loan and save a few hundred on interest, but 5k is all I got in case shtuff hits the fan and my work has laid off over half the staff in the last 3 months, so I didn't want to risk being back to 0 in case I get let go again. At the start of this year I started investing and now that 5k is all in monthly notes (about 3.6% annual interest). I see this as a safe way to grow the money and in case shtuff hits the fan, that money will be available within a month to keep me stable for a bit. The rest of my savings so far I've been putting towards stocks 50/50 VOO/SCHD(for small growth + dividends). Another thing I did this year was get a new credit card with 0% APR. Plan is to put all my grocery and misc purchases on it for the rest of the year, and put all my actual cash towards the last two loans (making minimum payments on credit card), which if I calculated correctly I should be able to pay off by the October of this year. And on the last two months without any loan payments, I should be able to save enough to fully pay the credit card before interest start hitting without having to dip on money I have saved passively up to this point. By then I should also have at least 20k in savings. All this to say that 1 year ago I never thought I'd be able to pay off all my loans within the next 5 years let alone save up to 20k within that time. But if you stick to it, each month that little you save up or chip away from loans grows more and more and then that growth begins to grow too.
What type of returns have they provided their average customer when compared against the S&P 500 in both bull markets and bear markets? VOO is up 81% in the past 5 years, how much better are they really? 1% or greater is very expensive in my eyes. On a $1M portfolio you'd be paying over $10k a year through them or $300 just investing into a low-cost index fund ETF like VOO yourself. (0.03% expense ratio)
You got scared with shares? You should probably just invest into SPY/VOO and chill.
Since you already have VOO in your Roth, you could use your taxable account to add diversification like VXUS for international exposure or a dividend EFTS for cash flow. Personally, I also been exploring platforms that give access to private real estate, which I feel like is a nice complement to public EFTs.
Spread it out. VOO the most obvious. But balance it out with some VTI and VXUS (international market) if you want less "risky" AI VGT is one. Also, dividends are nice from some of those. Since you're beginning and are going to trim down your portfolio look for dividends as well. Chevron, Coca Cola, Walmart...etc. Reinvest those dividends automatically and boom. Set buy limits. General rule I follow is I slash 15% off the current price and set a limit to buy. I purchase to hold long term. Doing this I have 2x or 3x'd on some of the big boys. Don't put all you eggs in one sector. Also, inverse some of your portfolio, as well. Read the book "The Intelligent Investor" it will save you a lot of this bullshit. INDEX FUNDS, but those are not "fun"
Acknowledging that the best strategy is to buy and hold VOO or VTI for life. I still stock pick individuals though because its fun and I enjoy it. I try to find companies that are still growing, have good leadership, and exist in areas that will be growing for the next few years at least. Ideally someone with some sort of advantage when it comes to having better tech, better connections in the admin, or better partnerships to leverage. Ideally in areas where demand is more predictable like defense or gov contracts. You can have all of those qualities and still lose. As much as you want to believe better prep will lead to more success, the stock market has a large luck component for both the companies and for picking them at the right time. Right now im invested in a lot of defense + Google. I see the rest of the world relying on and trusting the US less which is a given at this point. There's a Euro defense ETF you can get into if you want less risk but medium exposure. For drones, the war in ukraine has brought drone fighting up in the current war meta. The US is about to try to spend their way ahead in drone production and development (see the drone dominance competition happening as we speak). I like RedCat, Ondas, and UMAC for drones in the US. UMAC has Don jr. on their board and are ingrained in the trump admin. And Redcat has good tech that was even selected under Bidens admin. I like Kraken robotics, a Canadian defense tech company you can read about here.https://northwiseproject.com/what-is-kraken-robotics/ I like them because they supply Anduril, and Anduril is supported by Peter Thiel and Palantir which implies they're inside the admin. I like google because they're in everything tech related. They even own 15 percent of spaceX. I also invest in Reddit but ive been taking a fat L lately on those shares. Honestly it's a great time to buy in. Thats most of my port
Systems will vary from person to person. You’ll have to create your own. I know it’s hard but you’ll have to just do it. I hold indexes. I trade stocks. Indexes like VOO have low expense ratios and a decent yield, and already have the stocks I would usually hold. However when something like GOOGL last year or MSFT this year that I feel personally gets to a more valuable price, I will pick up that stock at a “discount” directly and hold for any amount of time aiming for a +20% return. From there I usually sell the whole lot or enough to keep it about 10-20% of my portfolio and distribute the earnings to other indexes. This is my system. It works for me, it gives me confidence and you may hear someone else think this is stupid and that’s the point. We are all kind of guessing which way the wind blows, just follow a method that gives you confidence and doesn’t keep you out of the “game” too long. Last advice, obviously avoid over leveraged or putting all your eggs in a single basket, unless you are ready to lose it all. My complete portfolio break down at the moment is: 70% indexes, 10% bonds, 20% options / liquidity / trades (normally no longer than a year or two trades)
Yeah true. That u/VOO_bull_forever guy is a pure regard
Go put it in VOO, setup monthly contributions, so you’ll be DCA’ing, and check back in 10 years. What will you be doing during those 10 years? Focusing on skills and knowledge that increase your earning potential, allowing you to increase and expand your investments. Not sexy at all, but guess what, you’ll actually have money in 10 years….unlike most here
And based on your username, bought VOO?
If that $65k is mostly “just sitting there,” I’d treat it as staged capital. Keep 3–6 months of expenses (and some buffer for the spouse’s business) in VMRXX, then funnel the rest methodically — max Roth IRAs each year first, and only put excess into a taxable index fund like VOO. It’s less about dumping it all at once and more about giving each dollar the best tax home.
I mean Blackrock, Amundi and Xtrackers all do versions of VCWE (**All World**) but excluding US and its really interesting to compare the performance last year. VCWE is currently 4.3% Nvidia, 4.25% Apple, 3.82% Microsoft, 3.5% Alphabet , 2.3% Amazon... over 20% of global equity indexes end up super correlated US Big Tech. I think if i was going to VOO & Chill I'd probably do 30% US (SPY) / 70% Global Ex-US just because the indexes are WAYYYY more concentrated than people think right now in the US.
Buy a cheap index auto and weekly with the majority of your investing budget. Sell only when you have something urgent to pay for. You can still do your stock picking on the side. But sooner or later you will realize it is not worth the effort. Stock picking and timing markets is hard, that’s why the index normally wins. I’m in the industry, so I will always invest in stocks myself, but the heavy lifting is done by the auto VOO.
VOO's stock price is really expensive; workers in other countries can only afford fractional shares with their monthly salary. Other ETFs are also very expensive. I'm considering whether to switch to Spym.
You didn’t have your own gotcha moment. Your argument is 40% is consistent with being diversified. But OP is saying that the US is losing its talent and international is a great bargain. OP also said that international will become largest companies… if that’s the case, you overweight yourself on your conviction and fundamentals analysis. It is a gotcha moment bc if international is better, you would expect the other way around (60% international, 40% US). Nothing in OP’s post says it’s got to be one etf. Should have been 120k in VXUS and 80k in VOO… OP doesn’t understand he’s still overweight what is supposedly no longer the most exceptional market bc of politics (it’s implied based on a single comment about immigration and nothing about liquidity, GDP growth, fiscal policy etc which matters a hell of a lot more).
This is why I didn't listen to people who are hot on 3-fund portfolios and VOO&Chill. Yes, an index like the S&P is diversified. But it's not made to be diverse, necessarily, although holding hundreds of companies may tend to do that. The point is to hold the biggest companies because in a capitalist society the biggest players have advantages and opportunities other companies don't. That may change someday. I'd say this concentration issue that has happened over a period of time is largely based on lack of regulating tech by the federal government, speaking of advantages other companies don't have--lobbying efforts. Anyway, I'd be more worried about some sort of exploitative technocratic state than the market.
Anyone think the market will bounce back tomorrow or continue to fall? Im a long term buy and hold investor wondering if I should buy more VOO? Or wait till tomorrow and see if I can get it cheaper
And bc we all know the real reason you are saying this, let’s see what happened last time: https://imgur.com/a/M2ohGMB Jan 2016 - Jan 2020 VOO 88.74% total return VXUS 51.54% total return Only one speculating is you politically motivated biased not a rational investor 🤷♂️
It’s either FXAIX or VOO or some similar sp500 passive etf
So all you hold is VOO ETF
This is literally VOO top ten holdings and percentage
The future mag 7 will be a mix of us and non U.S. companies. VT will have them and VOO will not.
We obviously have the talent. We have all the top schools, all the top research happens here, we pay the highest salaries to people who are good at it. Anyway diversification is good and VT is a good idea. Just don't move back to VOO next time the US beats international for a year.
100%. I think VT will have an ever so slightly softer landing than VOO but not by much.
Buying a shit ton of VOO when 🌽 hits 40k, that’s kinda my plan
Yep. I still want to be in the U.S. just wanted more diversity than VOO.
Wanted a one-stop shop where I didn’t have to manage allocation between say VOO and VXUS
Money is about when you will spend. Take how much extra cash you have each month and figure out a % you want to auto invest. Use the Fidelity account. If that number is 100/week, VOO is fine. The important part is only sell when there is something important to pay for. That’s how all money should work. It is a function of time when you will spend. You sound super comfortable. Automate and enjoy your hard earned setup. Best of luck!!
Delete options from your account, reach out to gamblers anonymous and put it in VOO. Oh I forgot, you're not supposed to give real advice here. Play some of the earnings this week!
I think it's more like rats scurrying from what they believe is a sinking ship. It's just fear, fear and more fear. The best antidote is VOO and chill. Where is the money going, just to the sidelines to wait for better entries?
VXUS is beating VOO, by A LOT too
A thousand mile journey starts with a single step. Open a Fidelity account and start buying VOO on an auto weekly basis. Do whatever you can swing. Work to increase that weekly amount. I started with 50/week a long time ago. Now I do as much as my fixed expenses. Rome wasn’t built in a day, it doesn’t need to be. You do need to get started. And something has to compete with your expenses. I’ve never reviewed someone’s spending and not found 50/week they waste and could have invested instead. Sell only when you have something urgent to pay for. Don’t feel burned if you have setbacks. Just remember the process. Auto weekly, sell only when something urgent to pay for. You’re still young. Best of luck.
Anyone else make a list of every time someone does something that mildly annoys you and once the list hits 10 you stop talking to them? Of course doing something really good can subtract one from the list. Should I transfer 100k from my VOO to gold/silver tmrw?
Honestly, what the regards post in here is what brought me to finding out about VOO and QQQM. What gets posted and upvoted here often is scrubbed by AI and presented. And I didn’t just lookup “what’s a stock to invest in”. That’s with the premium model
He inherited CVNA, not VOO
kind of like someone from wsb opening their brokerage looking at how all their money is in VOO and never touching it.
Ugh I added 200k to my 100k of VOO today and bought 100k silver. I wish it was the other way around 😞
I’m a simple man. I buy VOO, VXUS, and FTEC on red days.
As someone in a very similar situation (same age almost same net worth) you’re asking the right question and the answer is squirrel away every penny you can. You won’t see the difference for years but it will pay off. My brain went through so many avenues in the last decade. I don’t want to work until I die, but I also want to enjoy my time while setting myself up, AND gamble a little. So I set off to learn about investing/wealth etc. The best thing you can do is lower expenses and prioritize saving. The next best thing you can do is learn different avenues and get your feet wet. Most common approaches are stocks, stock trading, real estate, and small business. Set it and forget it = VOO or QQQ. Buy x per month and don’t check it ever. The other options require a deeper dive into the actionable steps you can take to achieve your goals. I’m only slightly less broke than you, but I’m confident there is a way for this generation to navigate the financial walls set forth. Personally I turn the thermostat down and grow most of my food. I work hard at a blue collar job and play stock market like a video game. Click a few buttons and make a few bucks. It’s slow and boring but it feels good to know Im learning and justifies buying delicious steaks.
I moved everything to VOO this morning. Set up a recurring deposit and I am considering deleting the app and checking back in 15 years.
Everything is in VOO for now
I have no idea what am I doing generally lol I originally had my port broken out into like 15 different individual stocks. I got through one earnings cycle and was like yup....I am an idiot. So i widdled that down to maybe like 6 ETFs. Then from there i got it down to the three I have now. Then I decided I wanted a bit more risk, so I bought into (what I think) are two sure things with Google and TSMC. I am sure many people on here would say that is even too much and I should just stick with VOO and VXUS, or even just VOO. I have time on my side to take on the risk so I am going for the risk that I have and am comfortable with.
If you want money? VOO If you are a member of this sub? KSS and NUT
Personally that just feels like a lot to manage. My port is made up of three funds (VOO/VXUS/FSELX) and then two individual company stocks (GOOG/TSM).
Just VOO and chill. Set and forget.
The alternative is to get really good at active investing where you get sharpe ratios better than the S&P500, but this is such a challenge the standard advice for regular people is just buy VOO and let compunding interest work. The main thing is increasing your earnings. If you made 500k per year, for example, you could easily set aside 300-400k per year and it wouldnt be a big deal and youd easily retire after 5-7 years if you wanted. Its highly dependant. Putting your money to work for you will never be a bad idea
I have no stomach for this market anymore. I haven’t gotten a win since October last year. I’ve went mostly cash now, with the rest in $VOO. I’ve made life changing money, I won’t watch it go down any further. This marks bottom, so you guys can load up now.
Sorry boys I bought 2 shares of VOO
I love how I throw 200k into VOO and the stock market immediately crashes. Like it’s designed to screw me over specifically
It’s both, but mostly luck. You’ll almost never get lucky investing in shit companies, and you’ll get lucky once in a great while if you pick healthy companies that are growing and managing their cash well. You’ll probably never be lucky enough to invest in Amazon or Apple in 2001, but you never know. That being said there are more losers than winners, and more than likely you have no idea how to read financial statements. So I’d say just invest biweekly in VOO and forget about it.
Claude will replace the S&P 500 soon Sell your VOO shares
You should prob just sell and put into VOO. Before you lose it all
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: -Combine my IRAs into one IRA account on Fidelity -Convert to back door -Still contribute for 2026 -Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
Just buy more my friend One day we'll break even By then VOO will be up 300%. But why compare?
Went 50/50 on Alphabet and VOO instead. I worked some data science position related to Gemini via a third party company so I was bullish on their AI capabilities, and I put half in VOO just to lessen the risk a bit. Right now I'm invested pretty heavily into AMZN as I work with AWS and think their cap ex is justified and I like their business overall.
Ohhh I understand the distinction very well. But when you’ve seen professionally managed portfolios for a decade and watched how they behave, the pattern is very easy to recognize. There is a reason people are disappointed at advisors and AUM brokers. Because they quickly realize had they just been VOO they would have higher return and saved the management fee. That’s why you see the naive sentiments on her about “I paid an advisor and they didn’t even beat the market.” You will see that here often. A pro managed portfolio is normally perfectly balanced. All equity sectors within tolerances. All bond bases covered. If you think that is going to be comparable to VOO, then you will be very disappointed.
BUY VOO, some say that in 40 years it'll make you a millionaire
iBRX straight growth ahead with growing approvals pulse now having trial at MD Anderson,European trials100% VOO should have pullback soon.
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: \-Combine my IRAs into one IRA account on Fidelity \-Convert to back door \-Still contribute for 2026 \-Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
If you had invested $10,000 in the Vanguard S&P 500 ETF $VOO in 2010 and still held it today, you'd have $83.04K
The chart for VOO shows a clear and consistent ascending channel pattern over the past six months, indicating a strong bullish trend. The price has been making higher highs and higher lows, generally staying above its key moving averages. This pattern suggests continued upward momentum, with minor pullbacks serving as potential buying opportunities within the established trend. Traders should expect the price to continue its climb towards the upper boundary of the channel, while respecting the lower boundary as support, as per ChartScanner.AI analysis. The current price is near the upper range of recent trading, suggesting potential for a minor consolidation before resuming the climb.