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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
You can also do Target + more specific funds if the targets aren't agressive enough for you. I personally have 70% Schwab Target Dates (more international exposure than vanguard) + 15% VOO and 15% QQQ and rebalance using trailing stops to still capture VOO/QQQ upside.
> What do you mean? 5yr: +33% for VXUS, +89% for VOO. Diversifying with international stocks long-term hasn't worked. In many cases, the drawdowns from international stocks exceeded US markets during bear markets like COVID and 2022, and are only now starting to recover.
What do you mean? VOO up +17% this year, VXUS up +30%. VOO down -0.26%, VXUS up +0.32% today. They’re going to be correlated but this correlation is going to decrease as long as the priority from this administration is deglobalization.
I hold individual tickers, basically all SP500 companies or companies that would be if they were based in the US (to all the VOO only people please explain why Toyota and Honda are not investable while us autos are). There are some types of companies that I black list for various reasons (too defensive, high dividend, certain industries, corporate governance or ownership, government system). One of the types is shipping companies as that industry has so many potential issues with high value assets and cash burn needed to operate (I also don't do airlines). I feel that for these industries an insider or high research investor has a large advantage that just makes it too dangerous for a normal guy like me. Basically I trust that the market has a real reason for valuing this stock poorly (relative to earnings, assets, etc.) more than any amount of my own research.
In mid June, I put 380K into the market, VOO, QQQ, VTI, etc and I am currently up 58K
I personally would dump META and NBIS, throw that money into SPY/VOO, and keep the other stocks. Youll be fine.
You can select an ETF which doesn't blindly allocate into stocks based on market cap, like Schwab Fundamental Index FNDX. There is a whole family of "FN" covering US small to large cap, and international. You can invest overseas VXUS or VEU. Many things to do. People here will convince you that anything other than VOO is stupid. That's the most narrow minded point of view ever.
My thoughts, I’m 58 and retired when I was 49, throw your symbols on a chart and compare each one to VOO or SPY over MAX period because you’re talking about 30 years of investing. If you have ones that lay on top of each other, maybe they are too similar. Funds that have divergent during economic events maybe a good choice, but if they lag over the long haul, maybe not? Finally keep in mind the last 2-ish years were special due to AI, a good example is VOO vs IVOO. But so was EFA vs VOO this year
In my opinion, you're overcomplicating things. I would go a simpler route and put everything in some combination of VOO, QQQ and perhaps one other option (like VTI, or one of the other funds you like) 45% VOO 40% QQQ (or some Nasdaq equiv fund, you could even go full VOO. There's so much overlap anyway) 15% VTI I'd do something like this.
im all about regarded WSB but damn man don't mess with your retirement nest egg! Put it all in VOO and forget about it. This is just plain stupid. Not too late OP
Oh my bad, i misread it. I actually have some VOO, XEQT and SPY in my TFSA. That's where i buy and hold stocks.
If you only have 30,000, my advice is for you to hold it until the next correction larger than 20% to go in. But if you have 30,000 coming in every month, then you probably can put them in some index ETFs like VOO.
Same. Spent a few years swing trading and basically broke even. Would have doubled my money with SPY or VOO.
You're right.... but people don't understand what market cap weighting and severe overconcentration means. They will panic sell at the bottom when their not so diversified VOO fund pukes a lung out. Anyone 40 or younger doesn't viscerally understand... yet. I've been a market watcher for 50 years (was a nerdy kid), investor for 40. I've seen it fail many many times. The psychology never changes
a lot of people trim concentrated position in a particular stock and reinvest into VTI or VOO. It is up to your risk tolerance as to how much concentration you can tolerate. I personally only hold indexes (VOO, QQQ, VTI) over 20% and any single stock at 15% max.
Same here. I actually hold VOO, XLK, and bitcoin.
Curious why VTSAX over VOO? I agree with the strategy though, I do similar.
I learned this the hard way. 20 years of investing, and now I basically VOO and chill. So much better. There's no reason to even get crazy with diversification. Everything I read early on said diversify assets, diversify, diversify. After 15 years I realized I would have been better off just sitting in VOO.
VOO set and forget except I wasted several years with stocks and underperformed it before VOO.
How about something like 50%VOO, 40% QQQ, 10% QTUM? I'm not really a fan of the dividend, total world, or PLTR stuff. I think some ratio of S&P500 + Nasdaq + bit of a fun/high growth play would be the way to go.
Drop it in SPY, QQQ and VOO and hedge with sqqq and spy puts
A target date fund is basically VOO + international stock + some bonds. Target date fund will be more diversified due to the international stocks and also slightly less aggressive due to bonds. You can also just invest in international stock by yourself if you don't want the bonds (that's what I do).
Correction\*: you gambled for 4 years. If you want o start investing keep it boring. Whatever you choose for your equity %, the following: Aggressive investing: DCA into VOO 75% and 25% into VOOG. Average: DCA: 10% VXUS 15% VOOG 50% VOO 25% VTI Defense: DCA 10% VXUS 15% VOOG 50% VTI 25% VOO Or some variation of your own you're comfortable with. IT SHOULD BE BOOOORING
So we'll say about 20-25 years. You have time to be more aggressive. I personally would do something like 400 VOO, 300 QQQ, and 100 in VXUS.
Yes. and to be honest I keep around 50% in VOO, but transitioning to VTI with newer purchases (decreasing that number from 90ish%). The normal advice, I’d throw it in an index, is a little more than broken right now as that equates to 70% junk and 30% hope
Spend less, invest more is literally the best advice anyone can give you. Buy VOO auto and weekly. If you have income. If you have expenses, always have an auto purchase. I don’t care if it’s $10/week. Work to increase it. Sell only when you have something urgent to pay for. If you sell without having an urgent expense to pay for: you panic sold. Learn as you go. Rome wasn’t built in a day. I tell people this every day. They rarely do it. Everyone thinks there is some magic tip: the purpose of this entire post. Best of luck.
Open a Fidelity account. Put some of that in SGOV for emergency fund. Then get in the habit of buying VOO auto and weekly. Start with what is comfortable. Then work to increase that weekly. Sell only when you have something urgent to pay for. Do that forever. That’s how personal finance works. Spend less, invest more auto. Sell only when there is something urgent to pay for. You will learn as you go. But do that first step today. Best of luck you will do great!!
Trade with 30k and put the other 370k in a low cost index like VOO or something
Put the $320K in VOO, earn about $25-$30K/year, move to a third world country and live like a king. If the market does crash, it will eventually bounce back. No one ever discusses the government response to a market crash--see 2008 and 2020.
I have no idea what I am doing Bought options for the first time today. VOO 630 calls. Instantly lost 20% because I used market order and didn’t understand how it works Still up 30%, I love being regarded
In a taxable, VT doesn’t get you the foreign tax credit like VXUS plus VTI/VOO can apparently.
I would 90/10 VOO/VXUS personally
Open a Fidelity account. Buy VOO on auto weekly basis. Work to increase that weekly. Sell only when you have something urgent to pay for. Mutual funds are worse for taxes. With brokers doing fractionals, there is no real advantage to them. Buy VOO or QQQM, doesn’t matter which. Set to auto
Those are both fair points. Moving money to schd later does make more sense. Thank you. I’ll look into some tech specific ETFs, but do you think VOO and QQQ combined would cover those sectors?
Open a Fidelity account. Buy VOO on an auto weekly basis. Start with what is comfortable. Then work to increase that weekly. Sell only when you have something urgent to pay for. It would be the same if you 53. Your age is irrelevant.
If you're actually investing, the best time to start is yesterday, the second best time to start is today. Don't worry about the drops for now. Good, cash producing companies will go up over time. Actual investing is a long term game, not a short term game. I guarantee you, if you bought good, established cash producers, the value will go up over the years. If you still can't help but feel nervous, just sell them all and buy an index fund. VOO or VTI. This subreddit is basically for pure gambling. It's fun to throw a few bucks at options and stupid shit, but don't devote most of your port to it.
Time in the market is better than timing the market. If you are just putting money into a VOO, dump it in. If it’ll make you feel better spread it out over a week. But DCA is adding NEW money not holding old money until you think it’s the right time. Now if you are taking a new position on a security, never go all in, always take a smaller position and add. But this is also not DCA, it’s wise trading.
Unless you need the money in the next 5 years, continue the “and chill” side of VOO and chill. If you don’t already have 20% in international, now’s a bad time to do it, the dollar is a little weaker and you’re performance chasing what’s already up. Once a month rebalance up a couple percent until you’re at 20%.
Ok, those are a mix of Account and Investment, so it's important to differentiate between the two. If you want to pay the taxes now, then the ROTH will give you tax-free withdrawals at retirement. Otherwise, if you don't want to pay the tax now, then a rollover IRA is better (taxes are deferred). For investments, the main difference between the 2050 and VOO funds is that the 2050 has a larger international component which has more diversification, whereas VOO is SP500 (US only). The 2050 fund will be generally as aggressive, but will reduce its equity exposure when you approach retirement in 2050. So - it's more diversified and is more of a set-it-and-forget-it type of investment, whereas with VOO you'll have to adjust the allocation as you get closer to your retirement date.
Just ACAT it to your self directed broker. Make the changes at the place you like. Don’t change things. Just add more VOO on an auto weekly basis.
Yeah, exactly. I have personal savings in a High Yield that is 4.1%. I'm thinking VOO is better than 2050 Target fund?
I just want to make as much money with this as possible. I don't know much. I'm not sure if I should transfer it to a Roth, IRA, or put it all in VOO instead.
I went to yahoo finance and compared the Alphabetically first equal weight index: Amundi S&P 500 Equal Weight : [https://finance.yahoo.com/quote/WELE.DE/](https://finance.yahoo.com/quote/WELE.DE/) 34.3% gain over 5 years. to VOO: [https://finance.yahoo.com/quote/VOO/](https://finance.yahoo.com/quote/VOO/) 90.7% gain over 5 years. Admittedly, OP believes there is a bubble, so past performance probably doesn't mean a lot.
wanna get a screenshot of my port lil bro? i am living quite good actually. got 5M in VOO, the rest is play money since I don't work I need to do sth the whole day lil bro))))
Throw 300k into VOO, another 100k into some other large cap's you are extra bullish on, in my case that would be cybersecurity ETF , Amazon, Meta, Reddit, Google, [booking.com](http://booking.com), amex. The last 100k should be invested on market dips to VOO , like our recent one.
yeah I’m debating if I should get VOO for 622 rn or wait to see what happens.
Maybe VOO and chill is the correct move?
If you are investing for the long term, it doesn’t matter very much. You can just continue what you are doing and ride out any correction. I plan on retiring somewhat soon, and was unwisely 100% in VOO for many years. Fortunately, it’s been fine up till now, but I’ve taken the very high valuations as a sign that it is time to diversify. I’ve moved 20% to bonds, and split my stock holdings 30/70, international and domestic. I probably should have already been more conservatively invested, so not unreasonable. I already had a solid backstop in cash and CDs in case of job loss or other emergencies. Basically I’ve set up my portfolio so if there is massive correction, I’m not going to feel like I need to sell at the bottom. I watched my retired father do that in 2008, and it was unfortunate.
Hey man, solid setup for 25 – you're crushing it with that income and low cost of living situation. Let me break down what I'm seeing: **The Good Stuff:** Your savings rate is insane (like 60%+ after expenses), you're maxing tax-advantaged accounts, and the international arbitrage play is smart as hell. That 401k match is basically free money, so props for capturing the full 12%. **The ROTH – Here's Where I'd Tweak:** Your allocation isn't *bad*, but it's kinda all over the place without a clear strategy: * **VOO at 50%** – Fine, but it's just S&P 500. Pretty vanilla. * **DFIV at 20%** – International value is cool, but Japan/UK/Canada specifically? That's a weird tilt. * **EMQQ at 20%** – Emerging market *consumer internet*? Bro, that's basically a tech bet on China/India e-commerce. High risk, high reward, but also kinda meme-adjacent territory. * **AVUV at 10%** – Small cap value is solid for diversification. **My Take:** You're young with a long runway, so growth makes sense, but you need a *plan*. What's your thesis here? Are you going for: 1. **Income** (dividends/cash flow)? 2. **M&A plays** (companies likely to get acquired)? 3. **Growth** (high-quality compounders)? 4. **Sector diversification** (tech, healthcare, industrials, etc.)? Right now it feels like you're just throwing darts at different regions. I'd consolidate around a clearer strategy. Maybe: * Keep VOO or swap for VTI (total market) * Add some **dividend growth** (SCHD, DGRO) for income * Consider **sector-specific plays** instead of random geographic tilts * Drop EMQQ unless you have a strong conviction on EM consumer tech
You stay the course or diversify. Identify the ETFs that are most vulnerable. Instead of investing more heavily in common index funds like VOO or QQQ, you can diversify with DGRO (holds less tech, lower PE) or VTV which is more value focused. The U.S. in particular is vulnerable so global diversification can help, but EFV would give you the same value tilt with global stocks. Ultimately, when the bubble bursts, everything will go with it. Diversifying might save you a 10-15% decline and you might recover a little quicker, but very little, if anything, will be saved from a crash.
> Do you sell your US or AI holdings and invest in emerging markets No. That is like using gasoline to start a home remodeling project. You can adjust your asset allocation plan in a calm, methodical manner. You could move some of your broad index funds into XMAG to reduce your exposure to the Mag 7. You could move some money into value index funds. You could used sector index funds to reduce tech exposure. You could use Research Affiliates funds. Of course doing any of these will get you excommunicated from he He Church of VOO and Chill.
I think the first thing is to remember is that market optimization isn't possible. You can always have done better, there's always more information to sift through, always a more correct interpretation, always an erroneous assumption (or a thousand of them), etc. So be easy on yourself. Decide how much time and energy you want to spend thinking about this stuff and accept that it might mean making less money than you might if you spent more time and energy on it. And also know that over time, very few people beat the market averages, and you're unlikely to be one of those very few. So one totally fine option is to DCA into a basic index fund (or a few different ones) like VTI or VOO or something similar with a low expense ratio and know that over decades of time, the booms and busts will even out and you'll do alright - better than a lot of people here even - and won't have to spend much time or energy thinking about it. Up or down, you just put what you can afford into those and that's it. If thinking about the market is fun for you, then you can think about what a "bubble" is, both in terms of marker activity and in terms of the material reality of the industries, companies, and people that operate in it. You can think about global supply chains and the domestic and international politics of those countries. From this study, you'll develop an informal theory about what are important details to pay attention to. Your theory will be almost all wrong. But you can then use that theory to make predictions and watch the market and see how wrong or right you were. Then, when you feel confident, you can put money on your predictions and know that some of them will be wrong and some will be right and some you won't make and would've been terrible or amazing and you'll have feelings about all of that, but those feelings don't necessarily mean you should've done anything different or should do something the same or different in the future.
Chicken, rice, broccoli, $VOO, and flowers for mom.
You were up 300k already. After that massive gain, you should have put 200 to 250k into a broad index fund or ETF like VOO or VUG or VTI to safely grow at 8-12% a year. Use the remaining house money you made from your gains to buy more risky individual stocks. This way you will not lose everything and still always have a decent amount of money growing and compounding safely untouched. Never put all your gains at risk and starting over may not be able to ever come back from. Once you hit 100k or more you want to preserve your wealth. In the beginning, when you have a small account like less than 25k you want to take some risk to build up your wealth. That is the wealth-building phase. Once you hit 100k to 200k you want to start preserving your wealth so you don't lose all that money and start over. Once in this phase, you should never put more than 25% into individual stocks at this phase. The rest into ETFs wirh low expense ratio fees.
Would solely choosing VOO for 30 years be ok?
The only thing you need to learn is start a roth IRA, maximize the contribution every year to it, and buy VOO or QQQ inside that account and plan to hold it for 30-50 years That's it. Every other piece of advice is worse
Put it into VOO and let compound interest do the work for you. You’ll thank me in 10 yrs
You are not making sense. The scenarios are identical. Person A: got $30k inheritance. Will DCA for 2 years Person B: has $30k VOO in his 401k. Sells VOO and goes cash. Will DCA for 2 years. Can you not see that both scenarios will lead to the same results? You easily recommend scenario A but you are opposed to scenario B. But it’s the EXACT SAME THING. Both scenario A and B will have the same result. Instead if you lump sum: Person C : got $30k inheritance. Lump sum $30k VOO Person D: has $30k VOO in his 401k. Holds VOO. Again both scenario C and D will yield the same results. Saying the person is already invested is IRRELEVANT to the decision to sell or not.
Lump sum isn’t an advantage move. Most people do it every day. You are basically lump sum when you are fully invested in your 401k. If your 401k is $200k and all $200k is invested in VOO you are lump sum. If the market crashes it will hurt just as much. Person A: received $200k inheritance. Lump sum $200k in VOO. Market crashes 20% Person B: has $200k in VOO in 401k. Market crashes 20%. Both have unrealized losses of $40k. Its the exact same thing. So basically you are saying everyone should sell their 401k index funds and go to cash because if they are fully invested it will hurt too much if the market crashes. You can either make smart investment decisions based on logic and math or do dumb emotional decisions and underperform massively.
Robinhood is fine (it supports fractionals for auto weekly buys). I just worry it encourages trading a bit much. Investing should be boring. I also don’t know if RH had budgeting and expense tracking. Fidelity does. You will learn as you go. Sell only when you have something urgent to pay for. Buying individuals or crypto, will give you more urgency to trade in and out. Easier to be dispassionate about VOO and QQQM. Fidelity, Robinhood, even Cashapp is fine for weekly auto investing. Read all my old comments. Everything people need to know about investing is in there.
Performance for last 10 years: Invesco S&P 500® Equal Weight ETF : RSP --> 11.42% Vanguard 500 S&P: VOO----> 15.02%
Look into TOPC. It's market-weighted like VOO except the max weight of any company is 3%.
Open a Fidelity account. Use SGOV instead of savings accounts/HYSA. Invest auto and weekly. Whatever you can afford. Yes Roth is awesome. But the important thing is to automate and prioritize auto investing. Only sell when you have something urgent to pay for. You will learn as you go. Rome wasn’t built in a day. You will have setbacks. You will make common rookie mistakes: seduced by dividends. You will panic sell. You will buy individual stocks that require constant research. In my opinion the most important concept of investing is to understand to have auto weekly investment. Getting off the fence. Making it a non negotiable. Either hire a pro to make a balanced plan, or just buy VOO or QQQM. Set to auto. Work to increase. Spend less, invest more. Best of luck.
I have made a LOT of mistakes investing the past 20 years. It’s been a long, long bull market so who knows going forward, but my best investment was money in VOO that I didn’t touch one single time. Just kept adding. TQQQ has been a good bet for a very small amount of my portfolio, but I just sold a good portion of that. At your age just get dollars into your retirement account in low cost index funds for 90%. I didn’t start saving until I was 35 and have enough and then some at 53. Your biggest opportunities will probably come from career advancement (making more $) and living frugally, which is hard but I did it for my 20’s, 30’s and 40’s.
I threw 65k in at 8 on the dot (RDDT, Hood, VOO), this shutdown better end tmrw ☹️
At least buy VOO or something with the money, don’t not be in the market
What is this money? Savings you might need on a whim? Personally, SGOV. It could be state tax advantaged, is "safe", and is fairly stable. Money specifically for long term investment? VOO. Or some mix of VOO and VUG or VOOG. As things are I'd DCA just in case of instability.
Stop getting your investing advice from tik tok. Open a Fidelity account. Buy VOO on an auto weekly amount. Whatever you can afford. Work to increase that weekly. Sell only when you have something urgent to pay for.
Ko your best dividend company? I’ve been using SCHD but I don’t really know what I’m doing I pretty much invest in VOO SCHD and QQQM
Wow. It’s one thing to not go much over 5% on any given stock but the reverse is kind of true too. I’d suggest VOO or VTI for 1/2 your holdings and then 3-5 on your strongest convictions.
If you shorted Friday you should just invest in VOO.
Isn’t it bad everyone and their dog is putting money in VOO and S&P500, essentially both metrics of the US markets?
Keep in mind 35% of the VOO is in only 7 big players.
RSP is an equal weight s&p500 ETF with a 0.2% expense ratio. I'm not sure I would want to invest in it. I'd be much more interested in VOO, VTI or VT
A 50% crash in what? VOO? Lmfao the mag7 would be so undervalued i would go single stocks picking in the big tech stocks 100%.
A 50% crash in what? VOO? Lmfao the mag7 would be so undervalued i would go single stocks picking in the big tech stocks 100%.
I’m a responsible investor. I’ll use my stimmy check to buy VOO and create generational wealth. Same thing I did with my DOGE check.
Max out your 401k, open a Roth IRA and max that out. Invest in index funds like VOO or VTSAX. Stop with the CDs going forward and move your 6 month emergency fund cash to a high yield savings account. Consider investing more beyond the 401k and Roth in a regular brokerage account if you can afford to.
So he goes from high risk individual stock to all cash / bonds, without even maybe a consideration of VTI / VOO / insert your favorite broad ETF. User name is onebrain, but is actually no brain.
Just so you all know, because everyone talking about the 50 year mortgage. Do NOT make extra mortgage payments to pay it down sooner. Those extra payments placed in VOO/QQQM/VT/VTI will be FAR more beneficial in the long run. I can share the numbers if you’d like or you can scroll down for my comment where I break out the 3 scenarios of: 1) paying off early and investing all once paid off 2) making required payments and only contributing to the market what your would have paid extra for 50 years. TLDR; Option 2 increases your net worth by 50%, while option 1 might be beneficial psychologically if having a mortgage keeps you up at night.
Just so you all know, because everyone talking about the 50 year mortgage. Do NOT make extra mortgage payments to pay it down sooner. Those extra payments placed in VOO/QQQM/VT/VTI will be FAR more beneficial in the long run. I can share the numbers if you’d like or you can scroll down for my comment where I break out the 3 scenarios of: 1) paying off early and investing all once paid off 2) making required payments and only contributing to the market what your would have paid extra for 50 years. TLDR; Option 2 increases your net worth by 50%, while option 1 might be beneficial psychologically if having a mortgage keeps you up at night.
I would go with option 1. You can honestly just do VT and set it and forget it or VOO. You can’t really go wrong with either. For robo advisors I have never used them but they sometimes perform better and sometimes perform worse. If you want to try it out I know sometimes they have fee’s you can. Just know it may not have the best returns and lag compared to just investing in something like VOO or VT.
Just take the afternoon to look into some solid funds. You can't go wrong with VOO, VT, or VTI. You can set up auto investments into any of those on a monthly basis. The robo advisors all have fee's on top of the expenses that are associated to the funds. I started my investing journey with Betterment and I wasn't impressed.
Just VOO and chill. Sell only when you have something urgent to pay for. Find a trustworthy pro to help you plan and guide. Dividends are not free money. Google that. Best of luck.
If you are not interested in being a market participant then it was the correct thing to do. However, TIME in the market beats TIMING the market. We might get the biggest crash in history next year, but more likely we will never see those companies at those prices again (and you bought some good companies). Your fears are rational and I agree there are some pretty big cracks under the hood, but in all reality we will see the following. Government resumes operations, further rate cut in December, new Fed Chair in 2026 (turning faucet on even more), euphoria/multi year melt up, and then a big pop. You are young forget the High Interest savings and bonds for the time being (rates are going down not up). Park most of your current and future available cash in something like VOO and get some growth and a juicy dividend. Take a portion of said current and future cash and buy companies like NVDA and Broadcom on any pullback and build from there.
Each issuer is free to set the fees at whatever the market will bear, there is then competition between In the US, most funds tracking the same index have very low fees, to the point it doesn't really matter. SPY (0.09%) and VOO (0.03%) would be one example. In this case, both are low. But SPY is older and has much higher daily trading volume, 10x VOO. It also has more derivatives. For day or high frequency traders who want to move in or out of a position regarding the S&P500 frequently, SPY is better for this despite the higher ER. VOO is better for a buy and hold investor. Similarly you have QQQ (0.20%) and QQQM (0.15%); the latter is a more recent ETF, from the same issuer, targeted at buy and hold investors. QQQ though has much higher volume and an established options market.
Open a Fidelity account. Buy VOO on an auto weekly basis. As much as you can afford. Sell only when you have something urgent to pay for. That’s it. Spend less, invest more. You will learn a bunch on the way, Roth. Maxing 401k. But the first step is basic DCA. Never rely on self discipline, set to auto.
I'm here hoping to get in on another GME, but otherwise I just stick to VOO ETF and the occasional speculative roll of the dice on a stock. Mostly I just read the reminders to not over leverage and maintain risk management when people share their loss porn.
I've picked many winners in the past when it comes to individual holdings but failed to hold them. I decided to have a stock trading account that I'll "forget" about and wanted to hear opinions on my possible long term holds. This represents 5% of my portfolio and I have a VOO/VXUS portfolio and emergency funds already. Stock Trading Account Holdings (5%): Large cap: META, MSFT, AMZN, GOOG, BRK-B, Hardware/Software Application: DELL, ANET, CRM, NOW, RDDT, Semiconductors: ASML. Are these okay holds?
Hey everyone\~ I have about US$ 3,000 and plans to dive into the US stock market. My Plan: Buy (when market open): * 1 × Netflix (NFLX) * 1 × Meta (META) * 1 × Waste Management (WM) * 1 × Vanguard S&P 500 ETF (VOO) * 1 × Invesco Nasdaq-100 ETF (QQQM) I’d Love Input On: * Is this a balanced plan for a $3k starter portfolio? * Would you adjust any of the stock picks or allocations? * Or is there a smarter way to use this $3k? TIA\~!
Let me help here… only buy VOO. You don’t need to buy both no single stocks pointless when you own VOO & max the IRA #1.
I got it. Thanks. I am an expat and investigated that SWPXX (I have Schwab) fits the bill, and I can autoinvest into that mutual fund. I'll probably start that soon. I'd do VOO, but it is not an option, but not necessary. The only way to do VOO would be to drop 600 bucks each time. Not a great option for DCA.
VOO and SWPPX are effectively the same thing in different containers: S&P 500. The S&P 500 is included inside of the US total market (which SWTSX is). You could go with just SWTSX as your US stock allocation. What about international coverage though?
When I (and most people say “VOO” casually in this context, we typically mean “The S&P 500” generally. VOO or SPY or IVV or a mutual fund like VFIAX, it really doesn’t matter - if you’re wanting to own the S&P. If you have a Vanguard account you can just set your bank to auto deposit $100 or $1,000 or $5,000 or whatever each paycheck into your account and set it to auto purchase whatever you like. If you want it to buy a specific dollar amount every paycheck, you’ll be buying fractional shares so you’ll want to do mutual funds or do an automatic investment plan. If you’re having trouble setting this up, call your broker. If you have a Fidelity account you’ll want to do FXAIX or whatever depending on what broker you use. Even better, do this in your 401(k) as a starting point for matching funds if that’s an option through work. Your 401(k) may or may not have a direct version of VOO but you can find other broad market index funds, almost certainly, in your plan.
How do you autoinvest into VOO? How does that work? Anyway, I see that it's at 600 something bucks.
Had you put it all into VOO ...