Reddit Posts
$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
Reddit Ticker Mentions MAY.04.2026 - $NVDA, $AMD, $SOUN, $MSFT, $SNDK, $SPY, $VOO, $XRX, $RDDT
I have 358k of VOO at 44. Ive played around with several calculators to see what it can be worth at 74.
I am at a crossroad in my mid 20s of what I should do, I'd be very appreciative for some advice
I just started investing at 19. Are these good investments?
Beginner dipping my toes in the water…
Updated - J.P Morgan's Top Stock Picks for 2026 - +7.40% YTD
Systematic profit-taking - worth doing? Or not recommended?
Mentions
Not a good investment? I bought a 350k 4 plex with a tiny down payment (I think around 20k) back in 2014. I lived in one unit and rented the other 3 out for 1k each (currently 1500 each on all 4) at 2.25% APR. Its now on the market with several offers around the 1.4 million dollar mark. My gross total income for this time period has been a little over 700k. Ive put a total of 50k into it for renovations and repairs. Ill probably pocket about 900k once it sells. Id say 1.6'ish million dollars for a 20k investment over 12 years is decent. Especially if you compare it to 20k in VOO. And yea i know, anecdotal evidence...but i also had 3 other properties from the timeframe have similar success (tho they were 100k properties i sold for 250k each around covid era).
I'm just buying more VOO because I'm a coward.
If the float is only 5% free float at IPO. That puts ETFs such as VOO at an estimated weight extremely low. While I don't agree with this approach, it seems rather insignificant in the grand scheme of things. At least to start with. The real problem becomes is when the float starts to rapidly rise. This means a much bigger position. But, at the same time if the stock price just falls off a cliff, the overall valuation goes down which balances it out.
For a 2–5 year horizon, I'd lean toward broad ETFs over individual stocks. Even great companies can disappoint over short periods, but a fund like VOO or VTI spreads that risk across hundreds of businesses. If picking individual names, I'd focus on companies with strong balance sheets, durable competitive advantages, and lots of cash flow—not just the hottest story of the moment.
VT and chill. Look at VXUS and VEA 2025 returns they handily beat VOO so some international exposure may be boost returns
I cashed out and am back to boring ass VT / VOO until it all goes tits up
At this point, why even hold VOO or any non-ai stock?
ETFs on the broadmarket like VOO if you believe US companies will keep existing or QQQ if you believe technology is part of the future. Very sensible bets actually. The ETF part is important because they will get rid of the bad companies and let in the good ones
if VOO or VTI are your baseline, QQQ is definitely high-risk. it has done incredibly well over the past 10 years, but that was at the cost of higher risk. i wish i had been in it.
I sold all of my MU today after an increase of 500% over the last year, just couldn't stand to not take the profit. Put it all in VOO.
It's with wealthsimple in Canada. It's 4% (prime + 0 because of the amount I have in my TFSA and RRSP) USD stuff is 7 percent though. Just to try it out I bought 1k in VFV (canadian VOO) but I'll buy 1k in AVGO and see how it goes. But I'm assuming this is how some people got some pretty massive gains by maxing their margin in some semi stuff? I've been buying AMD since 2017 but I was poor until 2021. wish i had some balls.
Gonna give one of those non-ber tips that I'll say exactly one time. Buy Google tomorrow, especially if it dips harder. Quarterly ETF rebalancing is coming up EoM. This means the major market-weighted ETFs (SPY, QQQ, VOO, VTI, etc) have to buy and sell shares to make the ETFs reflect the new market caps. Last time this happened was in March, and Google's gained damn near a trillion dollars in market cap since then (Rank 4 at $3.6t -> Rank 2 at $4.5t). This means all of the ETFs are going to *have* to buy a fuckload of Google stock, starting around the third Friday of the month. Google knows this, which is why they're diluting now. Do the smart thing here, or dump your money into a dog-ass stock like SPCE, idfk
Do not throw away good money. You are already heavily invested in this one stock. Changing your average does not make the previous losses disappear, you are just shoveling more money into what looks like a very risky, losing gamble. Pick something else. SCHD, VOO, hell, consider putting a *little* into MU (also a gamble, but at least it is a gamble that is going up! Set yourself up to retire, not lose your shirt or worse. Good luck, but please, please diversify safely, learn your bitter pill lesson, and invest more carefully from here on.
Pretty short horizon. Why 5 years? Much higher risk. Would reccomend hysa and bonds mixed with some VOO. If you can hold longer, almost 100% VOO.
Over the past 5 years TSLA is up 108%. VFV is up 105%. I did almost as well as your prof without taking all that risk 🤷♀️ VOO wasn’t too shabby either.
$DFUS. Dimensional funds S&P 500 fund, higher ER than VOO (0.09 vs 0.03), but doesn't have to buy SpaceStuff AI etc at IPO price, I believe more strict inclusion criteria. Check out Ben Felix, he's got some pretty good evidence based content.
The S&P and Nasdaq are not ETF's, they're indices. ETF's like VOO and QQQ track the index.
VTI after 5 days, QQQ after 15, VOO after 6 months as they are waiving the profitability requirement
Get him a physical share certificate of Disney because it has the characters on it (at least it once did), put everything else in VOO or VT
Is your grand nephew 70? That’s the only reason why I’d see anyone investing in Disney or Coca-Cola. Buy him shares of VOO twice a year. He’ll be grateful when he actually hits 70
Ok so under $20k Switched it to VOO 70% VXUS 20% and BND -> APPL / plan to get 10 total shares and leave alone for 10 yrs.
AVLV and AVUS. VOO has been really expensive recently.
Today I bought $VOO $ASML $AMAT $LRCX
I will change nothing. I’ll just continue to put it VOO and leave it there
No fund manager wants to get fired - so if you just copy S&P and take a hit, you've the "overall market" to blame. Even with your own funds, VOO people subconsciously want something to blame, and are too lazy to do a little due diligence that could dramatically increase their chances of outperformance.
Just sell that shit for a loss and stick with VOO
I typically just buy and hold long term etfs such as VOO. I rarely dable in day trading but I thought I would buy MU and see if I could make a profit before the end of the day. It dipped so now I am holding after market close. I understand I am gambling and now I am nervous to hold overnight. Thoughts?
I typically just buy and hold long term etfs such as VOO. I rarely dable in day trading but I thought I would buy MU and see if I could make a profit before the end of the day. It dipped so now I am holding after market close. I understand I am gambling and now I am nervous to hold overnight.
My watchlist keeps getting smaller. Five years ago I was looking for the next big thing. Today I'm mostly looking at companies that already won. I spent a lot of time chasing stories. Space stocks. EV stocks. Biotech. Whatever the hot theme was that month. Meanwhile the stocks that actually made me the most money were boring answers like Microsoft, Visa, and Google. The older I get, the more I think investing is less about predicting the future and more about identifying who already controls the present. One thing I've been wondering lately is whether broad indexes are actually too broad. VOO owns some incredible businesses, but it also owns plenty of companies I'd never buy if they were sitting in front of me individually. That led me down a rabbit hole looking at concentrated quality strategies. I stumbled across MPLY while researching it because the whole premise is basically owning dominant businesses instead of owning everything. No idea if that'll outperform. Most active ideas don't. But I find that question way more interesting than trying to figure out whether copper, nuclear, or quantum computing is the trade this week. If I buy anything, it's usually because I think the company will be even harder to compete with 10 years from now than it is today.
That does seem quite aggressive but I’m sure it pays off when it does! I think I will shave down my SGOV position for VT or VOO/VXUS.
Exactly. I definitely have too much cash, and have known this for a couple years now but this is the year I finally want to do something about it. For reference, I had all cash in an HYSA until I realized it could be in SGOV instead and skip out on the state taxes. That was my “big” move this year lol. Now I am starting to realize I truly don’t need this amount of cash and might shave it down some into VT. I already have a separate trading account on Robinhood but only a few thousand in it so will probably just keep that. I will most likely reset my retirement accounts and put it into VT or a mix of VOO / VXUS. Thanks for the reply.
Don't get emotionally attached to a stock ticker, there will always be another day, another stock miracle. I've missed out on so many names, but I've caught a few winners, even though they're not the stuff dreams are made out of, it's profit. You could just [VOO](https://www.marketwatch.com/investing/fund/voo) and chill, like the smart kids do. I'm not a smart kid, I like risk. 😄
MSTR is not in SP500, and not in SPY or VOO, either.
Putting serious money and thought into either seems wasteful. Just buy VOO if you have a hard time deciding. If I were to buy one, and honestly I wouldn’t right now outside of index investing, I’d buy NKE for a long term investment.
My biggest loser was Lion Electric. In at $10, hit $36 after Cramer hyped up the CEO on his show, now delisted. That is my $5,000 lesson. So to OP: at least take out your initial investment and throw it in $VOO. You can pay $5,000 for this tip. DM me for my Venmo.
i’m running 70% VOO, 15% IWM, 15% VXUS. Would you cut any of these to squeeze a little SCHD position?
I'm not deranged when trading options in my Roth IRA, I buy VOO calls instead of SPY calls
real estate if you know how to do 1031 exchanges. if you HATE customer service, go VOO.
It's an index fund run by financial advisors to run alongside high growth portfolios. Essentially it mimics most major ETFs, we'll use VOO in this case, and will essentially invest in the top \~300 companies from VOO but will buy them individually, and instead of the ETF managers swapping out losers and winners, they'll sell the losers so you realize losses while your winners remain as unrealized gains. This is great because if you have a personal account with huge growth, you can now use the Parametric as a tax loss harvester as well as a growth vehicle. It tracks without .03% of the ETF so they've figured out ways to balance it and follow along with this method. Extremely hard to pull off in the same way as an individual. Compliments the DIY folks who really lean investing and high growth opportunity.
Don't have excessively overlapping funds. Have 1 core fund and 1+ complimentary fund(s). Things not to do: No VOO and VTI. Pick one, not both. They are both core funds. A revised portfolio for you: 70% VTI and 30% QQQ. QQQ is the complimentary fund to add additional growth.
VT sucks and is easily beaten. Over 5 years: VT 70% VOO 93% QQQ 127% SPMO 187% Why would you want to hold all the companies including the worst trash?
Hello all, I am new to this group and generally new to investing as well. I am 32M that just opened my brokerage account and put about $500 in it. This all feels extremely overwhelming, specially seeing a lot a people 5-10 years younger than me having a ton of money in these accounts(props to you guys). My portfolio right now consists of ETFs; VOO, QQQ and VTI. I am aiming towards building a solid foundation. I am here to look for advice, sources of information, and really anything that can help me out. Thanks in advance!
from big ETFs like VOO. Those 2-3 days play were generally just for fun
Samsung, SK HYNIX? But why would the number of trillion dollar companies affect anything mentioned above? Successful investing is % based, not about absolute numbers lmao Korea 5y return: 171% VOO 5y return: 79%
If your previous trading already underperformed, I wouldn’t let one lucky TQQQ run convince you to scale that up with serious money. Leveraged ETFs are built for short-term exposure, not really for ‘buy it and forget it for a year’ money. If you want growth, the 40/40 QQQ/VOO idea plus a small sandbox for individual names is a lot more survivable than turning the whole $150k into a bigger version of the gamble that happened to work once.
You can get ETFs like DGRO which is VOO companies that have 5 consecutive years of dividend growth. The ETF has a 5 year dividend growth rate of 7% so you can easily outpace inflation even if it stays flat. I think it's a good shelter until the house of cards comes crashing down. VXUS is also good and seeing growth. There are still good passive options.
20% VOO, 40% stocks/options. Market is giving money away
Buying LETFs at ATH is a terrible idea. 40 QQQ/40 VOO/20 individual is very reasonable for growth without unnecessary risks.
VTI is whole (US) stock market, and VT is total world stock market. that will make SpaceX a smaller piece. but these "every single stock" funds are much less picky. they let in new entrants after 5 days, and have operated that way for years. if you switch now you will end up getting SpaceX sooner. VTV is a value based fund. if SpaceX is classified as "Growth" it will not be there. it is in either VTV or VUG. i expect them to follow the same rules as VOO since they are VOO split in two pieces, but i have not confirmed this. you may want to go to actively managed funds if you are trying to outsmart the market. or use options to offset the SpaceX and Tesla stock. buy a put and your downside is limited but it will pay off big if the stock drops.
If it is in the S&P 500, doesn’t VOO have to buy?
This is a mass pump and dump by Elon. He is going to get all the index funds to give him $1.5 Trillion then this stock is going to tank. He is even playing IPO stock hold restriction games. If the stock goes up by 30% you can sell another 10%. Who is going to track all this BS? If VOO picks up SPACEX I am out. It is going to be a pump and dump dumpster fire.
Is VOO in the basket of VIX related stuff?
A few of the moms were impressed when I was explaining VOO to them at the pool today I will tell their husbands about SpaceX (SPCE) next time
If he only did $20M in VOO in 2006 he’d have $149M today. Or roughly $230M if he invested the whole $30M
So I’ve got 1000 shares of VOO and 1100 of VTI; would you ride this out or GTFO?
I mean thats probably the right instinct. A position doesnt have to be bad to be unnecessary. Sometimes the cleanest portfolio decision is refusing to add a fund that makes the spreadsheet feel more complete but makes the owner less certain. The 5% SCHY question is the same machine in another jacket. If you can explain exactly what foreign dividend exposure is supposed to do for the account then fine. If the answer is mostly more diversification then it still has to beat the simpler question of whether SCHD, VOO, cash needs & your withdrawal plan already cover the job. Retirement portfolios need fewer clever additions than people think. They need durability, tax awareness, liquidity, income comfort & a structure the owner wont second guess during an ugly tape. The box analogy matters because boxes multiply quietly. One for mid caps, one for international dividends, one for yield, one for growth, one for safety. Pretty soon the portfolio owns a lot of explanations without a lot of added control. Make every new sleeve earn its chair before it gets money.
Thank you u/DrVonSpreckle, your repy is *really* helpful for me and I like the box analogy and you pointing out an allocation itch. I need to think deeper about whether or not that's not what I'm doing - checking a box and scratching an itch - with DON. And I can say right now that DON doesn't pass the test. If it were to underperform SCHD and VOO for years I would question why I'm owning it. And not just DON, but I also hold a 5% position in SCHY with plans to build that up as well, but the thought of bringing it to 30% (the Fidelity recommendation) is really difficult for me to accept. And it also fails the future performance test. Thanks again!
You’ve got to know when to quit. This AI boom is a once in a lifetime thing. I’m up 200% since last year and despite thinking it’s still got legs I realize I can retire at 48 so I’m out and back just VOO now. I could maybe make a few million on the next year if I chance it but I can never work again if I don’t.
I feel like I’m missing something - this would affect funds like QQQM but not stuff like VOO, no?
I do not know if moving my VOO into VT will shield me more from SpaceX, but that's currently my plan. I welcome any advice on avoiding musk shit.
VOO is float-adjusted > The S&P 500 index is a public float weighted/capitalization-weighted index https://en.wikipedia.org/wiki/S&P_500 it will also take 6 months for VOO to include it.
Since both are market cap weighted - and VOO includes 500 companies and QQQ only includes 100, QQQ will be impacted (positively or negatively) more than VOO - but it is still going to have a noticable impact on both.
What about VOO? Or similar retirement sp 500 index funds?
👀 Am I confusing it with something else? After checking, you are correct. I am kind of curious which one I was thinking of now. It is roughly half the weight compared to VOO's 1.75%, but now I am going to be bothered by which one I was thinking of.
SCHD is up 18% YTD. SPY and VOO are only up 10% YTD so I’m really not sure what you’re talking about. Plus SCHD gives you dividends that you can reinvest.
My direct indexing strategy involves zero short positions. I just DCA into a few random stocks, randomly selected according to market weight. If I need to realize gains, I can sell my losers to offset my winners. You cannot do that with VOO.
Rebalancing invokes taxable events. When SpaceX joins the S&P 500, VOO will sell other stocks (taxable) to buy SpaceX. Enjoy 😄 With 50 random stocks, you can closely approximate VOO but with a major tax advantage. You can sell your losers and winners at the same to realize **zero - $0** capital gains.
The total market capitalization of all stocks listed on the Nasdaq Stock Market is approximately 42.2 trillion. A $2 trillion "add" is less than 5%. I think the indices (VOO and friends) will be ok. But yeah, sucks,
Just stay away from QQQ or any other Nasdaq based index fund. Nasdaq has always been more risky. S&P500 funds like VOO should barely be affected at all.
This is the move. VOO has stopped being a tru diversification tool anyway. RSP exists and more people should know about it
Subject to insiders not offloading shares and increasing public float. At first I thought you were wrong, since I thought the market cap weight would make it closer to 3%. But for anyone else confused VOO scales shares to amount of float out there. Nice reality check for everyone 👍
How about personal indexing? Lets you compose a portfolio that closely matches, say, VOO, except you can make any change you want like excluding specific companies if you're so sure you know better.
Yep, the vast majority of people are showing their financial ignorance by thinking that retirement accounts will be significantly affected by this. I’ve never encountered a 401k that defaults to QQQ equivalent instead of VOO or VTI. You have to go out of your way to invest in a Nasdaq index fund.
Sitting on cash is literally getting cucked by the Fed and the government. The guy enjoying the fight while smoking weed is VOO/QQQ/IWM/VT & MAG8.
Look into a solo 401k since you're self employed, you can shelter way more than just the roth IRA limit each year. Also VTI already contains everything in VOO so you're basically double dipping there, I'd pick one or the other - your roth holdings look solid tho, SCHG and SCHD together cover a lot of ground
Tesla was already enough for me to stay away from those ETF, SpaceX is even worse. I had much better returns than QQQ or VOO so even if my reasoning is stupid it at least worked well for me so far.
What % of VOO/SPY/VT/VTI/etc do you think SpaceX will be? Hint: an insignificant %
QQQ/QQQM will add in 15 days. VTI will add in 5 days. VOO/SPY will include in about 6 months instead of 1 year and will take away the profitability requirement. If you want a broad US market index fund that will not buy SpaceX at IPO you can get DFUS ETF. This is not investment advice or an endorsement. (Disclaimer: I’m invest 50% into VTI and 50% into DFUS for this exact reason).
Isn’t there a major difference in how the SP500 will be affected by this vs NASDAQ 100? I have some QQQ and considering ditching it for VOO just to minimize exposure to this circus
I don’t get the concern for VOO right now anyways? S&P 500 still has a profitability requirement which as of now SpaceX doesn’t meet? Right?
It's all bullshit. But at the same time, SpaceX will account for like 0.1% of VOO at float adjusted market cap at expected listing in 6 months so it can't have a real of an impact. It's dumb but I wouldn't change ETF investment strategy over it. I ditched QQQM for SPYG to delay 6 months at least but with SpaceX insiders unlocking tradeable shares over a year I'm not sure the 15 day vs 6 months really makes that big of a difference.
I think it’s a nothing burger because what do you expect people to do? Most investors core holding is VOO or an equivalent. Selling that position over SpaceX is simply stupidity. I’m not sure what you all are planning to do. Nuke your retirement over SpaceX?
Just buy VOO there’s so much nvidia and Tesla in it anyways
Could just buy VOO/VTI and track the market…
“It’s basically a Enron, you can’t lose money on every car you sell but claim your data is more valuable than entire economies” I said to a professor who had invested heavily…..in 2016. He’s certainly beat my “buy VOO and hold” philosophy.
Vti vs VOO please? Why have broader exposure?
If I could go back and give my 17 year old self advice it would be the following: Put the money into a low cost ETFs. Vanguard have some good options ($VOO, $VTI, $VGT, $VT), then add to it as you can. Will it make you a millionaire in 5-10 years? Nope. But it’s a much less stressful introduction to the stock market than jumping into individual stocks. It will help you understand how news, policy and earnings impact individual stocks that make up these funds. Once you’ve got the fundamentals in place you’ll have a much easier time investing into individual stocks if that something that still interests you down the line. At 17 you have plenty of time. Best of luck!
My portfolio was nearly all NVDA the past decade, since last fall I have been diversifying it into VT/VOO and a little SPMO/SMH. I put a small amount in MU and DRAM for FOMO but it triggered -15% stop loss and sold, then continued taking off 🤷♂️ I also have a HYSA at 4.40% APY with 3 years of expenses in it but am otherwise suspicious of the openly acknowledged market manipulation occuring by our current administration, the oil situation, tech CEOs cutting AI spend from "tokenmaxxing", public outrage against datacenters, ect. What's clear is those in power will do anything to prop up the market economy under the auspices of national security, but I already had a good run and left the corporate world and have less appetite for risk now.
25% VOO, 75% ex-US at the moment
Still investing my regular amount but now it's all going to VOO instead of a blend of VGT/VOO
Smartest move is a few conviction/theme/tilt plays. Too many ETFs to mentiion that beat QQQ and VOO; cheap, even passive, ETFs that have a diverse mix of top S&P / NASD names but won't be adding SpaceX near term.
Start with broad market ETFs till you have some decent balance accunulated. Gambling away your future isnt the way you should start investing. Also if you have earned income, invest in a roth account for it to grow tax free. I started my kids roth when VOO was about 300. And we have been adding regularly since then.
Don’t wait for corrections. Put money into index like VOO or QQQM if you can’t pick individual stocks yet. 15% is not much. Most people would put the money in and not think about it especially if you are young. The more time you waste on trying to time it or get lucky, the worst you will do long term. Cuz the probability is against you. More than 90% of the time the stock market is bull. And no one can really know when correction is coming. So by waiting you are fighting against probability