Reddit Posts
For those investing in S&P 500 ETFs (VOO/SPY/IVV), how have your returns been?
VOO Becomes First ETF to Reach $1 Trillion AUM, also: VOO bounced exactly at 700 a couple of days ago but nobody noticed
Dividend Stocks in Your 20s Worth It or Just Stick With Growth?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
80k to invest + no debt how would you invest it?
Is anyone actually selling VOO or QQQ over Space X concerns?
$KIDZ - Will this take off?
Should I change from an Investment Account to a IRA?
What is the best strategy to allocate and optimize a 100K investment?
21 year old college student with $10k saved, what would you do in my spot?
Vote against S&P changing rules to fast track IPOs into the S&P 500 indexes(SPY, VOO) - (Deadline TOMORROW, May 28)
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
Do you keep growth stocks in retirement accounts and dividends in taxable?
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
If I want to generate the most money from my traditional & roth IRA accounts - where should I "park" it for the next 20 years?
MAG7 is outperforming all the hype stocks posted about constantly, why do people not learn, holds true for last 40+ years
Little less than 3 months in and I think I’m doing well
the s&p 500 vs equal weight spread just hit 13.8%. it's only been this wide twice before
Anyone here actually outperforming just buying VOO long-term after taxes, stress, and time?
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
18 year old who just started - any advice would be appreciated! I don’t know how to diversify properly.
Sell some Intel to take a larger position in SLS? I’m OKAY with the greed, but I’m not sure my logic is sound.
Hold Intel vs buying more SLS . I’m leaning greed, but have I’m not sure about my logic.
Investing my first $250.. Is this a good profolio for buying and holding?
The more you learn investing, the more you realize there’s not much to optimize beyond saving more, staying invested, and avoiding mistakes
20 y/o F looking for advice for my portfolio
Is the stock market becoming more & more volatile?
Why do people who just buy index funds call themselves investors? You set up an auto deposit once. My grandmother does the same thing with her savings account.
Is Wall Street Bets a legitimate strategy what should I buy besides VOO ?
Late starter..has that tech ship already sailed? Amd, MSFT, VOO?
Hit $100K… But It Came With More Risk Than I’d Recommend
After about 7 years of losing money from options and meme stocks /coins, I'm finally back in the positive.
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
If you had $7.5k to invest tomorrow, what would you do in this current market?
What’s your opinion on selling All Tech Heavy Stocks soon and moving to SP500 $VOO?
Took my whole IRA out of VOO yesterday and bought AMD and NOK calls. Am I dumb? Probably.
Should I get out of SPY and move it to a better long term index?
Do automatic 401k contributions affect markets?
My tech-heavy portfolio is up across the board, TQQQ leading the way
Do you think tech will outperform the market over the next 30+ years
Mentions
The VOO and chill people don't even know what happened today.
“VOO and a small amount of TQQQ” brother you are still gambling. I am not your financial advisor, but I see that your portfolio is still expected to move over a thousand dollars on a volatile day. In my mind you’ve already relapsed. I’ve been there man, and IMO it has to be cold turkey everything withdrawn no access to trading/casinos. Once you see TQQQ pop up or down you’ll want to jump back in and won’t be able to stop yourself. As a fellow problem gambler, I encourage you to try and fully commit. You still have a good chunk of savings relative to this world and can afford to decompress, take a week off sick, do something in nature. Anything to help it truly be cold turkey. You can invest later in a non trading 401k or IRA brokerage like vanguard.
I mean, VOO is down 2.5% yet up 24%, 3% down / 23% one year for VT, pretty hard to get more diversified than that with equities.
Stocks go up. Stocks go down. It is life. You can’t time every wave perfectly. What’s up with the doom story when VGT is up 22% this year and we are only halfway through the year? Including today, after a 5% drop, it is up 8% the last month. 8% is used for historical average return of the stock market. I use vgt as an example because you said 10%, which implies heavily tech weighted. VOO is still up 8 YTD, after dropping 2.5% today. It is still up 2.5% in the last month. If you ignore the highs and only focus on the negatives of course it’s a bloodbath
I bought VOO bc this made me a weenie
Don’t forget on the green days VOO is also up a lot less I’m down 7% today but still tripling VOO in the last 3 months
Opened and saw -100,000 on VOO shares. Didn’t even bother looking at the options
I bought 2 shares of VOO at the bottom.....today's bottom
“I just want to break even” is textbook gambler mindset. You take bigger bets as you fall further behind but the odds are longer and they will never hit. Stop now. Build back slowly. Put your money in the S&P500 or VOO and log out of your account. Work hard. Build equity. Chill.
VOO is still sky high. Only high beta lost big time today.
Portfolio down 10% while VOO boomers down 2.77%
There's a lot of misinformation in the responses here. The total market index funds and NASDAQ100 index funds will incorporate SpaceX in just a few weeks. The S&P500 requires new stocks to trade for a year before inclusion. This means you could shift your portfolio toward S&P500 index funds like VOO to avoid short-term exposure to SpaceX.
There's a couple options depending on what brokerage you use. Just do VT (Weighted world fund) if you want a one stop shop or VTI/VXUS (Total US/Total International) or whatever equivalent ticker at a 75/25% ratio if you want a US home bias tilt. There's also an argument for a 80/20 ratio of something like VOO + AVUV if you want to tilt to small cap value but have a majority of your holdings in the SP500 if you believe in the value premium model. International allocation is optional but recommended just for diversification and to avoid currency risk in a single country. Anywhere from 15-35% is fine. Doing pure SP500 is also fine. Want to avoid trash small cap growth companies and rugpull IPOs? DFUS is an active managed total US fund but with a very low 0.09% ER vs 0.03% VTI which is insignificant. As long as it beats VTI by 0.06% a year which so far it has then it's worth. Nobody knows the future though. Boomer index investing is boring and has low consistent returns, but you also won't fuck yourself trying to beat the market. Consider slowly adding like 10% bonds depending on your age too.
I bought more VOO today @ $683 it's now $678 😄 Trying to time the market is a fool's errand (I say that as here I am trying to time the market).
6/18 MUU 1200c. Full port of 50k. It either hits or I'm VOO n chill forever
The worst part is you think you originally broke even. You made it back but were behind where you would have been if you just parked it inn VOO you’d be up 172000. You need help. Uninstall the app.
wait, I thought everyones advice here is VOO and chill?!?!
You break even by stop gambling. Literally the only way as you have a debilitating gambling addiction. Get off this sub and put your cash in VOO or VT and never think about the market again.
Narrator : But he didn't put it in VOO and step away...
Is VOO still at a trillion ?
That’s VOO, not VTI. VTI tracks CRSP all-US. It roughly correlates with VOO/SPY/SP500, but has different inclusion criteria and is much less concentrated, since it includes all capitalization size brackets, basically all US stocks. They are totally different indexes, though the end result is about the same for investors.
The purpose of this comment is to highlight the absurdity of this "I'm better then you" attitude post mocking people's -30% drawdown when that $25 into VOO is so miniscule. Let's just assume 10% after one year, that's $2.50. Ok let's do better let's say it 2x in one year congrats you've turned one burrito and a drink today into two burritos and two drinks next year. So yeah I would argue this comment matches the genre of the original post.
update on my 0dte yolo. sold for -120k: sold all my share holdings, even some at big losses. hate to sell on a red day like today but I cannot look at the market anymore Turned off margin, bought VOO and a small amount of TQQQ, started a transfer process to Fidelity and will close my RH account. 5.5 years done in 2 weeks.
The last 2 months I’ve turned $45k of initial investment (gamble money) into $110k and back to $100k today. All from option trading Time for VOO and chill… this shit is too stressful and losing sleep lately. That said, probably back at it again next week
Most times, all at once. Today, the official term for the lofty evaluations is assinine. I would put some in VOO and VXUS and the rest in a treasury fund, then slowly buy up more VOO and VXUS
I just added more VOO @ $683. We’ll see, it’s a long-term hold. I still have cash to buy more, but timing the market is just a fool’s errand (as I say that while I’m trying to time the market).
Just passing along something I wished I'd known. Gold ETFs are taxed differently- especially long term- than your standard VOO or other ETF (gold/silver ETFs are taxed as collectibles). Sorry this isn't directly to your question, but I wish I had known. Physical is also taxed as a collectible, but I suppose there might be ways around paying that (I don't have much physical so I haven't investigated.) Gold/silver miner ETFs are not taxed at the collectible rate, however. Some food for thought- might be worth a deep dive on the tax questions before purchasing.
If you’re going to talk about drawdowns, you also have to talk about the good. I don’t know why people talk about peak to trough religiously. Also 1930 isn’t possible today. I could see 70s stagflation, dot com bubble or even 2008 GFC. DCA’ing the VOO is always the good idea. Btw, if I go broke with the VOO, you’ll likely be in much deeper water
You’re going to be fine. Try to save like half of your income, invest wisely (VOO and chill, or something similar), and you’ll have 3-5 million saved by 15-20 years.
Little VT, little VOO, little VWO, a little bit of Monica in my life.
Even VOO is crashing. It is over!
This will be sneaked into all the ETF people have their retirement invested. I bet all the VOO and chill boomers will be proud of their contribution to the biggest innovator(read it as bull shitter) a man kind has ever seen and melon musk will be thanking them for their contribution to his wealth to make him trillionaire
Just by VOO or equivalent sp500 index tracking fund and chill. I would to own so many different funds. All you need is sp500 and maybe some international.
I have some VTI and I think I might just switch to VOO completely.
I am done with options. VOO and chill.
Now sell all, pay off that card, and put the 17k in to VOO or FXAIX or something. Then try to do it again with that 1k you are left to play with.
Good morning - I am 24 and starting to grow my Roth, I have 10k rollover coming into my traditional and want to make sure everything I have looks right. I wanted to know what I’m doing wrong? I shared in another group and they said I need to move it all into index funds. However my novice self thought these were good buys for long term and honestly thought ETFs were index funds. Daily $1 buys - ARKK, ARKQ, BRK.B, DRAM, FNDF, QQQ, SCHD, SFY, SPY, VIG, VOO. I understand the overlap in some but it’s a lot better than I had previously - any help is greatly appreciated and would love some feedback. I want to maximize my time while I’m young, I make decent money for my age 120k+. If you have any questions for me I would love to be able to answer some. Thanks!
Rebalancing my portfolio- thinking 25% SGOV (cash incase market continues to fall 10% IBIT (young and want bit of exposure, plus that it’s 50% down) Rest VOO
Not true. Some of us can buy a super special VOO that's way better. My Canadian girlfriend turned me onto it.
Shove it in VOO and chill out
redditors decide to be afraid and angry first, and then try to come up with the narrative after the fact to justify them as the facts change to get rid of their old fears, redditors rewrite the narrative so they can still be afraid and angry. the VOO change was actually material, and now that it has gone away some people cannot just be happy
No it's really not. A real crash would see something like VOO down $100+ this happened on liberation day. A major crash would see no sustainable recovery from the loss for more than a year.
Been in VOO and VTI for several years now and my returns have eerily matched the return charts down to the 100th of a percent. It's crazy.
VOO already has international exposure by virtue of containing mainly international companies that just happen to be headquartered in the US.
My dad died a few years ago so I took money I got from him and split it into VTI and VOO as those were the two funds everyone here said put money in, you can't go wrong so I wanted to see how they both do compared. I am up 76.78% in VOO and 73.91% in VTI so my opinion, go with VOO if debating between the two.
> But the funds you feel will outperform over time will more than offset the ER difference. Will they? Do feelings dominate market fundamentals? Why would a mix of high cost funds like IEDAX/NLCAX beat a simple low cost fund like VOO or VTI?
atleast ive still made more money than had i invested in VOO all year
ER should generally be used to compare similar funds such as VOO and SPY. Knowing exactly what the future returns is difficult but knowing that some will likely outperform others is not as difficult. Unless ER is particularly high, you are better off looking for expected returns. The difference between ERs are going to be in the tenths of a percent. Returns are generally going to far outweigh them. But the funds you feel will outperform over time will more than offset the ER difference.
You can literally see the returns , just pull up the return of VOO/IVV and see what the returns are People investing in those funds will have similar returns .
MSFT, and GOOG are a strong foundation. The problem is the tail: SNAP, NIO, DKNG are basically speculative bets that haven't worked. DKNG could still pay off long-term if they reach profitability (they're close), but SNAP has structural ad revenue problems and NIO faces existential risk from EU tariffs and BYD's price war. A clean move would be cutting SNAP and NIO (take the tax loss if anything) and sizing up in your winners or adding something like VOO. Makes your portfolio simpler and removes the emotional drag.
Having 99%+ in metals/miners is extremely concentrated. Even if you believe strongly in a commodity supercycle, single-sector portfolios can swing 30-50% in a commodity downturn. A more balanced approach would be something like 60-70% in a broad index fund (VTI or VOO) and 30-40% in your conviction plays across metals/miners. It still gives you significant upside to a commodity run but protects you if the thesis doesn't play out for a few years. Think of it as "right size, not no conviction."
Sold all my QQQ and moved all to VOO
Nah yeah I’m a majority VOO and EOSE. I’m just a girl.
I hope not. Idk if I’m delulu but I think he’ll pump again. A majority of my portfolio is VOO and that’s down too so I feel like it’ll go back up.
Depending on your state tax situation, SGOV would be a better place for your 12-month fund Safe and maximize income is a challenge for the 100k JAAA PIMIX SCHP VCSH IEI all "safer" but capping growth below 5% VOO VTV more upside and downside
I just need BULL to go to 7 please. After that I’m done and will stick with VOO and chill
Very similar story with my own. Here I am trying to recommend VOO, SGOV, TLT, and safe blue chips. Meanwhile she YOLO'd into TSLA, PLTR, TEM, and other meme shit with you clowns. Not sure which is worse: she's clearly getting some of those names from youtubers or whatever boomer finfluencers or that she's actually doing well with those investments.
Scanning 500+ public trading accounts over the last 3 years, a couple patterns jump out that match what you’re feeling: \- Accounts that hit $1M+ and \*stay there\* almost always shift risk: \~72% move at least 60–80% into broad ETFs or index-like exposure once they cross seven figures. \- The ones that keep swinging for the fences? About 58% draw down 40%+ within 12–18 months, and \~23% round-trip all the way below $300k again. The “I’m done waking up down six figures” moment is almost a statistical inevitability, not a personal weakness. So what you’re calling “pussy” is actually the playbook of people who want to keep the money. Couple things you did that most never manage: \- You survived 2022 Nvidia pain and \*kept going\*. \- You rotated themes (space, brokers, drones) and still came out ahead. \- You didn’t blow up before compounding could kick in. That alone puts you in a tiny minority. Canadian or not, a million is a million. At a 4% withdrawal rate, that’s \~$40k/yr indefinitely before any side income or future contributions. Boring ETFs + low stress is a totally rational “victory lap” stage. If you want structure instead of “boring ass ETF bullshit” as an amorphous thing: \- 60–80%: global index ETFs (VOO/VEA/VWO equivalents in CAD). \- 10–20%: factor or sector tilts you actually believe in (semis, tech, etc.). \- 10–20%: “degenerate” bucket where you’re allowed to go full RCAT/ONDS/whatever. Mentally pre-write this off as gone.
Deez. You risk big for tendies. Once bag is secured, you $SPY or $VOO.
Theres’s non-news. What does VOO hold? What does VTI hold? Both will continue to work the same way as they always have.
It is not a bad idea to want to invest in it but please do not put your whole life savings into it. Maybe no more than 10% of your portfolio if you really believe in it, but make sure that the other 90% is in a quality ETF like SPY/VOO etc.. first before you do something like this. Space X could just as easily fall 80% after IPO as it could rise, or it could trade flat for years.
Who's moving their VTI allocations to VOO? There's no way to do it without incurring taxes in a taxable account, right?
I cannot fathom rotation out of AI. The genuinely revolutionary nature of this technology is magnitudes more powerful than wars, natural disasters, sketchy IPOs, etc. You don’t have to think Pets.com will survive 2000 but you have to see the internet will. I see AI the same way. I don’t want to own any AI companies but I want to own all the companies that will inevitably sell to whoever the inevitable winner is. I am personally comfortable with the weight already given to QQQ’s main holdings in more diversified index funds like VOO and even VT. I already own Nvidia and TSM and Google thru VT. Buying QQQ is just doubling down on hyperscalers, only one or two of whom will survive. That’s not even getting into the bad valuation around SoaceX (although I very bullish on SpaceX long term). And then with my satellite I am personally comfortable ally more comfortable with avoiding the American market entirely and betting directly on continued AI capex thru 2029 on ASML. 80/20 VT/ASML
The S&P 500 index gives foreign investors peace of mind, and I will continue to invest in VOO.
As a foreigner, investing all my savings in the VOO S&P 500 index was definitely the right decision.
Nah SP announced they won't fast track SpaceX so SPY/VOO etc are safe from direct fuckery for a year after IPO.
VOO will follow what the S&P said and not fast track. VTI does not follow the S&P benchmark, it follows a CRSP benchmark (Morningstar).
im actually surprised to see this. feel like most headlines make me upset. hell yea VOO baby
Good for them. VOO and chill.
>The flip side is that the S&P500 did not participate in any of the gains in companies like Tesla until 2021 after it went parabolic and was forced to buy at very high valuations. The QQQ did participate in all of the gains. The S&P 500 (and other benchmarks) serve two roles: (1) as a benchmark index and (2) as a "portfolio manager", even if we regard it as passive. Your "flip side" addresses the second role. The most appropriate comparison for the S&P 500 is not the QQQ, since the Nasdaq-100 neither seeks to track the same universe of stocks (broad large cap) nor is it market weighted. Rather, it is the Russell 1000, where the primary distinction is that the S&P 500 has the profitability filter which will temporarily exclude SpaceX, Anthropic, and OpenAI from immediate inclusion. It also allows for direct comparison between the Russell 2000 and the S&P 600, which has a similar filter. I don't have a Bloomberg subscription that will allow comparison going back to inception, but we do know that VOO has outperformed VONE by about [25 bps per year](https://testfol.io/?s=gQT5ueWTHlS) since 2010 when those ETFs were created. In the small cap universe, the benefit of the profitability screen is even more dramatic, as the S&P 600 has outperformed the Russell 2000 by [124 bps per year](https://testfol.io/?s=9eWiiHDime5) going back to 1994. If you view the telltale of VOO vs. VONE, VONE did outperform in 2021 when VOO was forced to buy Tesla at inflated valuations. But that was because Tesla was able to IPO in 2010 and grow its value on the public market, and it was one of the rare exceptions as one of the initially small cap growth stocks that not only outperformed the market--but dramatically so--despite remaining unprofitable even as late as 2019, which delayed its inclusion for so long. Maybe you think one of these companies can another exception. Maybe even all three, despite the fact that their prices have already appreciated **in the private market** from $27.1 million (SpaceX in 2002), $124 million (Anthropic in 2021), $1.0 billion (OpenAI in 2019) to over $1T each despite remaining GAAP unprofitable. You can express that optimism in by investing in their IPOs. I'll be waiting for the prospectuses of Anthropic and OpenAI, but probably sitting them out (after having already read SpaceX's).
I am actually just switching future purchases away from QQQ and VTI Sp500 (VOO and IVV and DFUS) they are all supposed to not buy SpaceX until approx 12 months after ipo. We will see - news media and social media have both gone back and forth on if sp500 will or won't buy it before the 12 month rule - but that still keeps going back and forth as of today.
VOO is your ticket to mirror SPX and their inclusion rules
Depends what they track, VTI tracks CRSP which will have SpaceX after 5 days, VOO tracks S&P which won't have it immediately.
No. Not at least for a year. VOO follows the S&P exactly.
Alternative: invest it all into VOO, QQQM IWM etc and borrow against it at a low interest rate from IRBK, M1, RH etc. 5% interest, your portfolio easily outgrows the debt.
Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.
So does this mean VOO won't contain SpaceX stock?
if you're buying something like VOO just buy now and don't look at it, don't look back I've seen too many friends and family hold off their investments thinking it's too expensive today only for it to be even more expensive tomorrow and before we knew it it's been 5 years and nothing got put into the markets I've also had my own experience of putting money in and immediately facing a 10-20% loss thereafter but it turned out well in the end because time really is your friend
Is there any news about VOO/VTI?
My entire brokerage account has gone 5x in 12 months. $110k -> $550k I was thinking about how many years I just caught up to VOO on that train it’s on. Feels like I am flying the Concord over it lol
VOO isn’t available in most 401Ks
the part that gets me is people selling their whole portfolio to dodge it. even when it does eventually qualify the index funds buy it at the set weight on the rebalance, your VOO doesnt ask your permission. dumping your index now to avoid a name that isnt even eligible yet is just front running your own fund with worse timing
I moved out of VOO (s&p500) over to VTI (us total index) but maybe it’s time to consider VT (world total index)…
Will SPYM be safe to avoid SpaceX as well or is it just VOO?
Investing is about long-haul buy and hold; picking the right index fund or two, and making that the backbone of your portfolio. I tell my kids, "Put 100% of your 401(k) into VOO and forget about it." (Canadian equivalent: VFV.CA) And over decades it's going to do well for you. Yes, there will be swings in the market. But you should be contributing regularly from your paycheck, what's called Dollar Cost Averaging (DCA). You buy when it's up and you buy when it's down, and your average cost per share is somewhere in the middle. If we go through a recession, you just keep on buying because the rebound on the index fund will boost your earnings on those shares you bought at a discount. Long-haul investing is really about getting OUT of the mindset that you have to time the market, and just build, build, build.
SpaceX wouldn't hit VTI as hard as you think regardless of whether it's worth $1.75T. Both indexes are float-adjusted, not full market cap. SpaceX is overwhelmingly insider held (Musk plus early VC not to mention the dozen plus share classes), so only the publicly tradeable float gets weighted, not the headline number (CRSP p. 12). It also needs at least 12.5% float just to be added (CRSP p. 10-11). So a $1.75T company with a small float is a much smaller index weight than $1.75T implies. And nothing gets added at full size on day one anyway. CRSP has a seasoning rule (\~20 trading days before ranking) and an IPO lockup rule where locked shares stay out of the float until the lockup expires, using conservative registration statement estimates for the first 180 days (CRSP p. 10-13). The initial weight is built off that and not the full cap. Like I said, VTI tracks CRSP Total Market which has no cap on constituents and just adds names by float cap, spreading the impact across the whole market (CRSP p. 14). VOO and SPY track the S&P 500, a fixed 500 count, committee picked index with extra screens like positive GAAP earnings (S&P p. 8, 12) so a new entrant there actually displaces someone unlike VTI A partial float of even a $1.75T company lands as a single digit percent name at most, not the drastic shift you're picturing for VTI. [https://www.crsp.org/wp-content/uploads/guides/CRSP\_Market\_Indexes\_Methodology\_Guide.pdf](https://www.crsp.org/wp-content/uploads/guides/CRSP_Market_Indexes_Methodology_Guide.pdf) [https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf](https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf)
Fuuuuck… how do I move my VTI into VOO :/
S&P pushed back and didn't change rules for Spacex. Will be at least a year and need to pass profitability screening. VOO won't have it.
VOO and SPY both track the S&P 500 and are virtually the same in their performance. They're basically interchangeable. I just happened to be partial to VOO. Plus, the expense ratio(operating expenses) of VOO is less than SPY; 0.03% vs 0.09%. So you're getting identical performance in exchange for cheaper operating expenses by going with VOO
Does VOO not have SpaceX in its portfolio? I thought the big funds like VT, VTI, and VOO all had the Mags in them?
I'm kind of a crayon eater when it comes ot this stuff. Why VOO vs. SPY?
if you really want to be safe while being in the market 1. shove that 50k into govt bonds / bills 2. stagger the terms of those bills so that you take ie 3-5k out in cash every month 3. buy $300-500 of VOO or whatever index fund everyday
question: does this mean VOO, SPY, GPIX etc that "tracks" S&P 500 can only buy what is in the S&P500 index? Can Vanguard just disregard S&P500 and buy SpaceX under VOO