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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
Just buy 80% VOO 20% VXUS.
Just buy VOO or 80%VOO/20%VXUS or VTI
Ok, I did miss your point that The vast majority simply buys momentum like what they hear in social media or VOO. The bar *is* low to beat social media tips. It is not low to beat VOO. VOO is an approximation of "The Market". Beating the market is a high bar to clear. It is well established that those high education, high information, high experience teams can't reliably beat the market reliably for log periods. Warren Buffet (and his team) did in their early years because they had new ideas. They have not beat the S&P500 on average for the past 20 years. A bit of amateur analysis is very unlikely to beat the market, except by luck. Luck = Gambling.
Probably add to GOOGL, PLTR, and RKLB when/if appropriate and VOO at more or less random red days. I do often sell calls on PLTR, but I am much more careful nowadays with those. I'll probably look into robotics, defense, and utilities/energy more. KSPI is my moonshot bet that I sell calls on to buy an occasional share. I intend to not be too quick to pull the trigger and keep a relatively large cash position at the ready in 2026-2028. Also bought TLT this year that I could rotate out of if a crash materializes. Things will change though I'm sure.
Christmas market really said “VOO and chill, you filthy animals”
VT, VTI, VOO, VGT, pick one based on how risk adverse you are. You can alternatively focus on one of the first two and a little on the last. It doesn’t have to be Vanguard ETFs either. Other firms have similar funds.
Instead of the VOO or SPY, why not just have 5% in each of the top 20 SP500
All I can do is assume incompetence. I gave you the rationale behind my cash position and you think you can make more with an index. I'm up 147% over 3 years. Your opinion is mostly irrelevant if you are suggesting I just throw my money into VOO and I can "make more money".
Let’s take a break cause you’re getting yourself caught up in the rat race of traders. I just sat down with my mom to break down a manageable time horizon and allocation plan, my mother was freaking out because she’s 60 and still has 20 (now 18) years on her mortgage, she obviously doesn’t want to work full till 78, but after mathing everything out, she can theoretically retire now (high risk) or fully retire in 3 years (paid off all obligations w/early pull available). It’s been rough since her husband/my father passed, but taking the time to slow down and build a picture really helps put into reference where you really are. Theoretically if you invest all that into SPYM/VOO, you have an annual wage which matches median salary (after tax). You’re doing fine, take a breather for a moment because stress will only shorten your time.
If you are going to split, just go VOO. The small allocation in mid and small caps in VTI can affect the performance but the holdings are so tiny but it does give exposure. However, if you split then the allocation to small and mid caps gets cut in half. No point in splitting if you use VTI to also get exposure to the other market caps.
Alot of people are saying VOO and VTI, should I split 50/50?
If your time horizon is 30 years what you want is an ETF. You're going to let it sit, and check on it every year to adjust your strategy if your life circumstances change. The ETF you want is probably VOO or VTI. The first tracks the S&P500, the latter tracks the broader market. (Including the S&P500.)
FZROX if you have Fidelity VTI or VOO perfectly fine too
No wonder VOO was a straight line up today
I'm sitting on about 80k cash and waiting for VOO to fall. This time I will buy
No bot essay. I purchased VOO 633. QQQ 635 NVDA 205
True, but holding extra cash could be viewed as “emergency fund plus”. If you feel your job is at risk, the money might be safer in A money market than VOO (or it would certainty feel that way).
Yes every paycheck I buy 3 VOO
VOO and some QQQM for fun. It works in the long run.
Sounds like you should stick to VOO lmao.
97% of my portfolio is VOO but 3% are my fun individual stocks and I will continue to buy psychedelic industry stocks. MNMD, ATAI, CMPS etc
Both VTI and VOO have their merits. VTI offers broader exposure to the entire U.S. stock market, while VOO focuses on the S&P 500. Diversification can help manage risk, so adding VXUS and bonds could be a smart move. It's important to consider your investment goals and risk tolerance.
VOO or SPY for sure. I have VTI total market which is a good idea also. 50% in index, 40% in stock, 10% cash or cash equivalents (T-bills).
idk bro, what if VOO goes out of buisness, then you would be at 0. think its better to diversify and do 50% nvida 50% broadcomm
Well said and he is also not understanding that the SPY , SOXL, SMH , SOXX and VOO are tied at the hip to a bubble like valuation fpra technology losing the race. Which means the entire market is ripe for proft taking It’s not a question of if a sell-off hits—only when. Markets run on reflex, not resilience. When the cycle breaks, it won’t drift—it’ll snap in a precision-triggered chain reaction. One macro headline. One earnings miss. One weak Treasury auction. Liquidity evaporates. The illusion of stability folds into reflexive panic. Challenge disinflation or liquidity and HFTs flip from passive scalping to forced liquidation. Volume spikes. VWAPs shear. Stops become bait. Velocity rises and carnage follows. Algos hit breakers before humans log in. Options desks hedge gamma and pour fuel on it. Margin clerks liquidate. Mega-caps trade like biotech IPOs. Breadth collapses. Defensives fail. VIX rockets. CNBC calls “market historians.” This isn’t drama—it’s plumbing. The system is efficient, not merciful. When flow turns, the escape hatch becomes the exhaust pipe.
This is very risky but you can buy VOO and hold for 20 years
Stocks (eg VOO or VTI)when you’re young/have many working years ahead of you. Bonds/Fixed Income Products (NOT JUNK BONDS) when you’re old/about to retire. To simplify it one is growth centered with risk of losses the other generates steady income (smaller returns) and preserves capital. 30 year old no bonds. 46 year old maybe MAYBE a small % of your portfolio.
This is a great sentiment - but not everyone has the same amount of time and risk tolerance. If you have no emotions, and you have decades of contributions left to make, the statistically superior choice to maximize money is always 100% low cost index funds for stocks (like VOO or VTI). Good thing is, you can learn to deal more skillfully with emotions and you can gain enough knowledge to increase your tolerance for risk (volatility) - but you can’t turn back time. So start early in 100% stocks and you did it - you won life. Just get a decent job and you’re set for life.
VOO vs VTI is mostly a rounding error because they overlap a lot, VOO is the S and P 500 and VTI is the whole US market so you just add some mid and small caps on top, either one can be a solid core if you keep contributing and stay the course, the bigger decision is whether you also want international like VXUS for diversification outside the US and whether bonds fit your risk tolerance and time horizon, if you want the simplest diversified setup many people just do VTI plus VXUS and adjust a bond slice only if it helps you sleep at night
In the interest of disclosure, I have large positions in SLV, GLD, UGL, GDX, and GDXU. I've become increasingly wary of the risks associated with exchange-traded notes (ETNs), so I'll be locking in my profits on GDXU and switching to GDX LEAPS once the new year hits. I additionally have large amounts of GLD and SLV LEAPS. I semi-annually rotate my profits out of the riskier plays into GLD, VOO, and BRK.A.
Most people can make money by doing the boring ETFs like VOO and VXUS. I started off with stock picking and did extremely well until.. eventually losing big and a large chunk of it 2-3 years in. Now I prefer slow and steady growth and gamble 20% of my portfolio. This year I’m up 34% and last year 32%. I’m exceeding my yearly financial goals year over year by a small margin and if I keep it up- in 10-15 years- should have $5M+ invested if things keep going the way they are.
which one tho? VTI VOO QQQM VT
Realize you're not smarter than everyone else and hold the S&P 500 (VOO for example). Reserve a small percent of your cash for gambling in individual companies to make things less boring. Focus on work and sleep well at night.
That’s where I buy my index funds. All non retard funds go straight into Fidelity. VOO, SCHD, and some VTI (yes I know there’s overlap).. Thank you kind sir, I didn’t realize they had 0 expense funds. What are the comps for the above? FXrox and ?
Having mentors is important. I follow two. One is George who runs BlueCloudTrading on YouTube. The methodology is trend following, basically he uses the Ichimoku indicator (which I recommend you consider learning) to estimate which sectors are performing well (are above a green cloud with the two moving averages in the proper places), then he chooses stocks for that segment that are moving up. The other methodology is TheSetupFactory on Substack. these are traders who will do things like wait for BE to fall to its 21 or 50 day, find support, then they will enter the trade. In both cases I get a constant stream of setups that are good to follow, and I follow them, making notes about what worked and what did’t. This is for people who WANT to swing trade, which is a specific thing. I agree with others here, most people who just VOO and chill.
Feels like I should consider moving some of my VOO and chill to SPHB and chill. Exact same thesis but double the returns YTD. 17% vs. 34%.
VT VOO dividend gang
VOO, GOOGL, HOOD, RDDT. I like ASTS as a moonshot, but with GOOGL having exposure to both ASTS & SpaceX, I feel that I don't need to delve into it yet; if I do, I might enter with a small position, $50k or less. Also looking forward to Anduril's IPO.
VTI vs VOO hardly matters. VTI is theoretically the better choice, as it offers a bit more diversification. But they will have nearly identical returns and have 99% correlation. VOO vs VTI+VXUS+Bonds is a different story. Nearly every respected academic in the finance space will at least recommend international in your portfolio. It improves your risk adjusted returns, and helps protect against single country risk. Whether or not you want bonds right now is a personal choice based on your time horizon and risk tolerance. VOO is good. VTI+VXUS is better.
the ol' roth is for VOO or SPY straight up, maybe 10% options.
VOO has shit options liquidity.
Smart, you could always stick to one major ETF if you like less stress. VOO, SPY, really whatever index you love. Saves you a ton of stress and time.
VOO is officially up 17.71% YTD. Not sure what's going on with your funds.
“Value” “growth” “momentum” etc. keywords for ETFs are mostly marketing. You are not going to harvest more growth by choosing these funds, especially passively. The only one of these that has somewhat of a standing is value but you are not going to get that from a passive index, i can assure you. Its just marketing. I’d get rid of VOOG, VBR, XLV (don’t see the point in having 5% of this as VOO is already like 10% healthcare) Personally I would get rid of all crypto, has 0 inherent value. But i am also aware this is a touchy subject. 10% is still too much to put into a single purely speculative asset regardless of my personal beliefs on it. I usually allocate around 10% total towards speculative, and of that, no single speculative stock can take up more than 5%. I’m surprised you dont hold any GOOGL or MSFT, and a heavy weighting into nuclear. Little odd but now im just nitpicking. You need to be past conviction to be fully settled. No worries though, these things take time until you reach that. At that point, you’ll most likely no longer be on reddit or at least no longer posting about your positions. Conviction in a portfolio usually doesn't ask what strangers think about it. I know thats harsh but its the reality
Fuck... Just roll it all into VGT if you want some excitement or to VOO if you want less excitement.
I hear what you are saying, but don't think it is that hard. The vast majority simply buys momentum like what they hear in social media or VOO. The bar is low.
Seriously, why doesn't Citadel do VOO and Chill? /s
It’s not an age old question. The charts are pretty clear. Stock market has better returns. Real estate is easier for people to understand. At least they commit to 2500/month mortgage, wish people did that with VOO. There are real advantages to real estate, leverage, for example. But people have no idea what they spend on real estate. You always know exactly what you paid for a stock. The illiquid nature of real estate is also an advantage in my mind. People don’t panic sell real estate as much. I would rather people invest in real estate than all CD’s. But they would be better off with VOO and chill.
They’re very similar. I’m doing VTI lately because I think the rate cuts will benefit SMIDs, and VOO doesn’t include SMIDs.
The market has been doing extremely well recently. Large cap has been king. It’s ok to have a small sandbox to experiment. But the “my wife is going to leave me” money you invest in large cap ETFs. Warren Buffett went on record recommending VOO for pedestrian investors. Pretty good advice. It’s up over 14% in the last year. It’s up over 87% in the last 5 years. More like 300% in 10 years. It’s not a sure thing. But it’s got an extremely good track record. A wife looking at those numbers might think it’s something you should invest in.
I’m mostly in VOO and Google and the I have some moonshots that only invest a grand or 2 each in.
Forget SCHG, do VOO. Simple. Start rebuilding.
At your age I would put it all in VOO!
I’d have just done VOO, VXF, and VXUS. Soothing like 40/10/10. I have the same but VTI instead of the VOO. I’m already heavy into the VTI so I left it since it’s heavy weighted into the s&p already. If you want some growth tilt/satellite cap it at 2-5 percent. Something like VUG is solid. If you really wanted to get crazy you can go with VB and VO instead of VXF but IMO it’s not that crazy. It’s only if you’re trying to dial in certain market caps. As for individual stocks, we all have our own game-plan. I personally believe in tech. I’m heavy into tech and robotics. I believe in having some tilt into specific sectors. So I have some VFH and VHT. I do have a couple growth based pharma companies and a couple growth based financial companies. Just more into tech and robotics.
VTI has 3539 holdings, 495 of which are in VOO. VOO is inside of VTI already.
VOO or VTI doesn't matter. You definitely want VXUS. Bonds really depends on your personal risk tolerance.
Options are way more risky idgaf what anyone says. You should consider investing in VOO/SPY
Always be diverse. Always. Easy in short investing windows to think one investment is better than another. I like both but VTI for the better exposure. However since 2011 VOO has slightly outperformed.
SCHG is 55% Mag-7 + Broadcom... Maybe you should just VOO and chill for a while
Newish investor here too, but it seems like VOO is slightly higher risk, slightly higher reward. Potential to grow a bit faster. VTI is less risk, because it includes the smaller players as well. Both move similarly and include many of the same companies. VOO is a bit more of a gamble whereas VTI is less of one. Both good, just depends on your own portfolio strategy
DCA weekly into VOO, don’t look at the price. That’s my thoughts.
Does he have his own separate emergency fund for emergencies? Stocks are likely to grow in the long-term but in the short-term, anything can happen. You could throw the money in and tomorrow there could be an epic 30% crash. He needs to be able to wait around for the recovery if a crash happens. HYSA if this is part their emergency fund. If they can let it sit there for 10+ years, VOO or VT.
Yep, today is a nice reminder why broad market ETFs like VOO and VTI are solid long-term holds. Single-day moves don’t matter much, but it’s always reassuring to see diversified portfolios behaving as expected. Holds steady, keep contributing, and let compounding do its work.
Been an investor/trader for over 10 years. I have 2 accounts, one that I’ve been auto investing into VOO since day 1, and another that I actively trade options on. Let’s say that I’ve been up large in the VOO acct, but overall I’m still in the red because of ~5 bad trades over the years… With that said, I’m still trading options as a hobby even tho I’ve proven to be bad at it… it’s like an addiction lol
I had the same story as the OP. Honestly 90% of your money should be in VOO. The rest you can do whatever you want with.
I'm not sure what your referring to, maybe when I said one of the pro's of VOO only (the husbands point of view) is better than investing in three funds? I was trying to say (unclearly) that it's simpler to invest in one fund (VOO or VT or VTI, doesn't matter), than to do a mix of VT, Bonds, and VXUS that needs rebalancing every so often. So, nothing to do with VOO specifically, more just talking about 1 fund vs 3 fund approach and trying to make the point that VOO (and VT) are already plenty diversified so as to make a 3 fund approach probably overkill.
Set it and forget it. VOO and step away.
they should’ve just VOO and chill LMAO
why is VFV not up as much as VOO?
It's like no matter what the news is, my options drop like a rock. Earnings up? Drop. New product to hit the market that looks great? Drop. Marijuana to be reclassified? Really drop. At this point, I am going to take a break from options and just focus on putting money into VOO and do some more education on options.
With a 500K, you shouldn’t even have to try and hit homeruns anymore. You have enough to put the majority into SPY, QQQ, VOO…and just let it sit there without having to make a single trade for years. Grinding buy-side options for the majority of your capital has a extremely high risk of ruin for short-dated options and I can never understand how gamblers here (let’s not call them traders) get destroyed. All the graphs are the same. A sharp spike up and then eventually losing most if not all of their account. I always say, it’s the first spike that gets them. Everyone is always 100% exposed. Managing risk is the single most important aspect of becoming a winning trader over the long run.
For clarity - buy VTI or VOO and some VXUS. If you don't want all that hassle, go straight to VT. But make sure you do the most important part: chilling and not mucking around with your strategy.
I do not think this is really a question of right or wrong. VOO versus VTI versus adding VXUS and bonds is less about which fund is better and more about what kind of uncertainty you are comfortable living with together. Concentration can feel simpler and more confident. Diversification can feel slower but more forgiving over time. For new investors especially, the most important part is choosing an approach you can both stick with through good markets and bad ones, not optimizing the last few percentage points on paper
She's a 4, but she's 50/50 VOO QQQ
I’ve blown up every account I’ve enabled options in. I’m just gonna VOO and chill next year
This is what I do. $100 every week in VOO and chill. Then I yearly lump sum my IRA. When I feel cash heavy I gamble on random stocks for fun. Worked out well.
Do yourself a favor…. Create two portfolios: Portfolio One - 100% VOO Portfolio Two - OP’s individual stocks Let us know how you’re doing after 1 year, 3 years, 5 years, and 10 years 😜
Dude stop messing with options. Just buy some VOO and leave it
You don't. Unless you have decades of experience, a math degree, multiple data centers of compute, and billions of dollars or luck, you cannot reliably outperform the market adjusted for risk. Just DCA VOO, VXUS, and maybe VT and GLD and save yourself the stress and waste of time.
I doubt that’s all they have. But that’s a lot in bonds the prime years of earnings. This is a common thing. People don’t realize they are more prone to panic sell at 50. It is easier to be broke: buy 100/week of VOO because that’s all you can afford. It’s harder to regulate emotions when the money gets to 200k. 5% swing is 10k, and they feel like someone picked their pocket for that 10k. I see it all the time. They panic sold in march because of course there was a crash coming. They flee to bonds. Now they realize they lost out on a ton and want to”some more reasonable risk”. These are panic sell cope signs. Should have paid the 1% to a trusted advisor and kept adding to it automatically. Would have a ton more money today. Is what it is. Hopefully this was panic sell from this year. It could easily be panic sell from 2022. I see it every day.
Just buy every Monday. It’s gonna go up, it’s gonna go down and I don’t have the time or energy to sit there and wait for my VOO to go down a dollar for optimal buy in time. And it’s not worth the time to save a few bucks.
r/bogleheads go open a brokerage, buy VOO and don't sell maximize retirement accts
So you started the year with 353k. Was down almost 40k and now you're up 20k? Could have put it all in VOO and been up 50k without lifting a finger but you do you. :-)
No right or wrong, but depends on if you want true all market diversity or a bit skewed I think. Also if looking at VOO why not also look at VUG.
VOO is more aggressive because of it being overweight in the tech sector. It's not to say that VTI isn't, but there's MORE companies than the 500.
More and more, I like $DNN. I know it’s not as exciting as some of the other tickers here, but at least it has relatively steady and predictable movements. Still love $PLBY, can’t wait to load up more. Most of my account is in long term holdings so I can’t quite keep up with you fast paced traders, I just DCA a lump sum once a month, maybe that’s why I’m still standing. For anyone interested my port consists of $PLBY, $ETH, $VOO, $CCJ, $QQQI for now. Looking to add $DNN maybe around the $2.60-$2.70 range for entry.
This is completely wrong. I am getting consistently more than 2% by CSP for 4 years. Definitely using margin with core VOO and QQQM holdings. Obviously you may not get every week but at a month or a year level, easily 24-30% Only issue (at least for me), I am able to do this for 250-300K but not able to replicate for large amount because of increasing risks which I’m reluctant to take. So I would recommend to look for this as this helps you out
I went VOO/SCHD/VXUS - 60/20/20
VOO is rated 4 stars on Morningstar while VTI is rated 3 stars on Morningstar. VTI is a little more volatile due to small and mid caps.
Open an account on Charles Schwab or whatever you want. Start out with positions like VOO QQQ and Google ‘mag7’ stocks.
If you’re just getting started buy VOO on auto weekly basis. Work to increase that weekly. Sell only when you have an urgent expense to pay for. Switch your 401k to lowest cost sp500 fund and work to increase that contribution rate to max. Nothing wrong with crypto as long as it is BTC or ETH, use Fidelity, set to auto. Don’t panic sell that either. That’s all investing is, spend less invest more, don’t panic sell. People mess this up every day. You will learn as you go, but that basic mechanism of auto buy and don’t panic sell is the foundation of it all. Best of luck.
I've got 15-20 years so 80% VOO and 20% VTI
If you want diversity, maybe look at an international index. VOO is 500 stocks in the US. VTI is all US stocks. You could have international exposure too. Well done starting your journey.