Reddit Posts
My trading regime (What is yours?)
Best investment strategy for self controlled 401K
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Mentions
Did anyone imply that was the only choice? Opportunity cost is looking at alternatives. I don’t think it’s unfair to say that instead of going all in on meta someone might instead just buy VOO. They could’ve bought Netflix and they’d be down 2%. Is that better? You could do one of the other mag 7 stocks - meta performing better than half of the others.
Say it with me: SOFTWARE is going to make bank and go parabolic, HARDWARE is going to lag. Stop asking about LRCX and AMAT. This happens every tech cycle. Even if hardware doesn't go down it'll never match the margins on software. There's a reason the big boys have been spending so much, it's time to reap the rewards. Get in now or forever be left behind. Software is the next sector to drag everything up. Sit in VOO and get your 10% or buy literally any big software name like META, GOOGL, even SNOW and stuff like that... easy bank to be made.
VOO and QQQ all day longterm. Something thee gambling addicts don’t understand
An equal-weighted S&P might be a decent option. A 30% downturn in NVDA would be a 2.4% hit to VOO and a 0.06% hit to RSP. Across the broader index, an AI bubble pop would likely bring down nearly half of VOO and around 20% of RSP. On the surface RSP might be a good compromise in the short term. However if the losses get wider, like 2007-09 or 2020, RSP earned -60% and -39% respectively, compared to VOO at -55% and -33.7%. Interestingly, RSP is outpacing VOO YTD.
No, trading should make me money that outpaces the market if I‘m doing it right, which I do. I make significantly more money than I would were I completely passive investing into VOO. I put my spoils in VTWAX. No risk no reward, don’t mistake a hedging strategy for a total investment strategy.
For the last 5 years Tesla has been losing to the SP500. VOO +83% TSLA +34%
Im too, in margin in ASTS, but I manage my margin. 50% of my portoflio is in VOO, 30% is in ASTS in margin and 20% in other stocks
VOO is carrying my port all my individual stock picks are garbage
watching from VOO gang land over here
It's always the ones who shout the loudest about not spending money on dumb shit, giving advice to other people and saying "VOO and chill", they're usually the worst type of gamblers just beneath the surface.
Probably should have just gone with VOO and chill.
Nothing she does is interesting other than that she has a lot of money to play with. She has severely underperformed the boarder tech index like VGT, and has just barely managed to match the lower performing S&P500 index. On a risk adjusted basis, however, her fund is even more of a joke. The Sharpe and Sortino ratios for example are terrible, her max and average drawdowns are more than double VGT or VOO, and the correlation to both is still high. Its not a real fund, its a meme and its astounding anyone cares what she does. You can play around with starting and ending dates and find periods where she got lucky following the trend, but so you can for a broken clock.
I have good news sir. If you put that $0.02 in VOO, you’ll be back to even in 142 years. Ah, the magic of compounding.
>It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. >I just don't know how to move forward and rebuild from here Ok now read what you wrote out loud. I don't think "knowing how to move forward" is your problem.
All that could’ve been dumped into real estate or VOO But seems like retards don’t like to do that
Just buy VOO at this point hombre
Stop treating the market like a casino and you’ll never be in this kind of situation. Invest 99% in VOO, and use that 1% as your lotto. You kept losing? Sure use your gain from VOO and keep on going and hopefully one day you’ll learn option and leverage arent for everyone. Your monkey hand that can’t stop pressing sell the moment it goes -0.1 is not built to handle this!
stop listening to people who are hyping the latest thing. Look at actual research that says you can't time the market, and stop trying. Look at actual research that shows even wall street professionals who run funds are WORSE than just an S&P500 fund far more often than not. So boring things like VOO, SPMO, QQQ, etc. are nearly always better options (as long as you aren't a gambling addict). And one of the most underrated things--a HUGE asset is how long you've been in the market. Time is its own asset
WAT!? how does a company write off their own increasing net worth. you missread or missheard. you should buy VOO.
Opening my first ROth IRA should I put everything in VOO or SPY https://preview.redd.it/lqjt79pb9qwh1.jpeg?width=1170&format=pjpg&auto=webp&s=4d38c5c05373365d13509da5b87ad83f6d769666
I guess my entire portfolio (only positive is VOO rn) is stupid
If you want safe why not VOO?
You can always tell those who only buy VOO
1 billion and 2.25 billion darkpool inflows into VOO and IVV respectively after close today. Did big money get trapped with retail?
What would be an easy way to buy an ETF that is VOO minus TSLA_SPCX?
Some say VOO n chill, I started to like QQQ n chill
Over time, the best performing portfolios are literally just people who dump money into VOO and shit and forget they even have an account. A study conducted a few years back found that female investors on average had higher returns than men and when they looked into why they found that it was because the women forgot they had the account and made very few trades while the men moved the money around often and made shit plays.
Changed? Not really. But it is about to change radically because I kept with investments successfully. I probably skipped out on doing some things I could have afforded to do in hindsight, but overall I am ok with it. Once it gets to a certain point you know how to ride it -- there were some tense moments when things fell off a cliff, but if you are buying good companies and don't have to capitalize losses you can be very zen. Stay employed, don't get into leverage. I would argue that being able to cherry pick a few stocks and ride them is probably just about as risky as the VOO or whatever the boggle heads will have you think. Big solid companies are big and solid. Definitely would not have happened with the SPY, you need much bigger wins to get the step change in there. Then you might be able to VOO and chill.
your instinct is right, if every other account is 100% S&P then piling more VOO in here doesnt really diversify you. VOO and VTI overlap a ton too since the S&P is most of the total market by weight, so swapping one for the other wont change much. if you want actual diversification the easy add is international like VXUS, or a small cap fund. even 20 to 30% in those balances out four accounts that are all large cap US. on the income stuff, SVOL and JEPI/JEPQ sell options so they give up a lot of upside in big up years. in a Roth where everything grows tax free anyway that trade usually isnt worth it unless youre close to needing the income. SCHD is fine but its still mostly big US companies so it doesnt diversify you much either. also worth seeing if you can roll some of the old 401Ks into one place, four separate accounts is a pain to rebalance
Throw it all into VOO buddy. EVERY DOLLAR
Dump all your money in VOO and open a paper trading account. Unless you treat this shit like school and actually learn (not that bs you did in highschool, but really learn it) you won’t have any of the gains you want
Yeah just diversify into something like VOO
Gz, keep yourself to it. Wouldn't even necessarily withdraw it, just look if u can enter a long position on VOO or smth on a big red day
3-6 month emergency fund. VOO or VT or low cost broad market index fund of your choice with the rest. Contribute to your retirement regularly.
Take your candy ass to r/investing the people who push VOO have made this sub soft.
For someone with low risk tolerance, I’d first make sure they have an emergency fund covering a few months of expenses, ideally in a money market fund. The next question is when they’ll need the rest of the money. For short-term goals, I’d stick with safer options like money market funds or short-term Treasury bills. For money they won’t need for at least 5–10 years, I’d suggest considering a broad index ETF like the S&P 500 (VOO), rather than picking individual stocks. It’s well diversified, but it can still drop 30–50% during major market downturns, so they need to be comfortable with that possibility. Most importantly, I’d encourage your friend to understand the risks and make their own decisions rather than investing just because someone recommended it.
I think I’m done once I unwind all my positions. VOO and chill is better returns and less stress
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? >>Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index I thought this wasn't true and you need to buy something that tracks a different index.
This will outperform VOO easily.
If you’re long-term investing just choose a reputable broker instead of some shady offshore BS, Fidelity is fine. You only start needing more expansive/comprehensive broker platforms for more complicated forms of trading like scalping. Basically any S&P 500, NASDAQ, or broad market ETFs are good. Always have most of your portfolio in these types of vehicles; these are the retirement prep. If you wanna find the next NVDA use a small portion and be prepared to be wrong. Finding the next “big one” is called speculating. That’s a fancy word for guessing with your gut, which is unreliable. Dont try to pick single stocks, don’t try to time anything; just invest small amounts consistently (maybe with a small lump sum to get you started, ensuring you keep at ***least*** 6 months of emergency funds in that HYSA). In terms of saving for retirement, boring is better. Let compounding do the work for you. In the event of a big pullback during a recession or depression, don’t panic and sell; look at it as an opportunity to get more shares for less money. This is why as you get closer to retirement you diversify into fixed income assets because you won’t have the time to recover from drawdowns and protection of capital becomes the focus instead of growth. If you dump $10k into VOO and we get a 50% crash in two years, don’t think “I’m down $5k” but rather “I can triple my position for the same $10k and ride the next wave up.” Imagine this; VOO is @$700, you can get \~14 shares for $10k. Next year say it crashes to $350. You can now get 28 extra shares for the same $10k, and you have 42 shares total now. If it goes back to $700 your position is now worth $29,400. This is obviously a hypothetical scenario, just giving an example. That’s why I hate bailouts; it strips young investors of the opportunity to buy valuable assets for cheap because the old fucks want daddy to save them. Crashes are good; they bring ample opportunity for younger generations with less wealth accumulated to size up and build their portfolios for the next bull runs. Here’s some interesting comparisons from the bottom of ‘09 versus current valuations of well known companies: ***Apple (AAPL): \~$2.50 -> \~$340*** ***Microsoft (MSFT): \~$11 -> \~$530*** ***Amazon (AMZN): \~$3 -> \~$262*** ***Walmart (WMT): \~$13 -> \~$119*** ***Oracle (ORCL): \~$7 -> \~$129*** These crashes suck absolute ballsack for someone 3 years from retirement who didn’t shift to capital protection like my asshole of a grandpa (he truly is an asshole); but for those young guns out there these types of opportunities don’t just provide solid returns, they provide life changing opportunities. The ‘08 crash scares the shit out of my parents and they went fixed income for the last 18 years when really they should have doubled down given they both *still* work (and will for a few more years) so they had ample time to ride out a recovery in the event of a subsequent downturn. Now they both spend every other day going over their retirement numbers, pensions, etc. because they stuck themselves with 2-3% earnings for almost two decades and grew almost nothing. I wish I had the knowledge then that I have now because they’d be rolling in dough, but alas I was a little tyke back then worried about what pizza we were having on Friday. My mom had one pension that was stuck on the market and she couldn’t change it to fixed rate; that one pension has done 150% over the last \~20 years, meanwhile their fixed rates haven’t even really touched 1/3 of that. When you see and feel financial struggle firsthand it gives you a drive to learn like you wouldn’t believe. Just keep learning and keep diving. Asking questions means you’re in the right direction. Best of luck to you.
VOO and VXUS are good and don’t require much thought. Just keep contributing when you can. I wouldn’t mess with BND in your 20s.
Where is the 7% written down? People repeat it like it's a term of the account. VOO and VXUS can go flat for a decade and that number doesn't change. Also BND in a portfolio this young mostly just slows it down, but that's a separate argument.
Fidelity is fine but it’s hard to read for a beginner. Robinhood is criticized for complex reasons and is easy to use. It shows you better graphs and makes things easier than any other app. As long as you don’t mind it trying to sell you Robinhood gold. Dividends are good, but the rule of thumb is: dividends always underperform the market. If you’re going to put the money right back into the market, why use dividends? Generally dividend stocks are for people with a family or retired people who will spend the cash payouts on stuff they need, in lieu of watching number go up faster. Don’t invest money in stocks you might need in the next 5 years. If you invest and 2008 happens tomorrow, we’ll look like idiots for suggesting it. Step 1: max your 401k match if works offers it Step 2: keep six months of expenses in an emergency fund. HYSA is good. Bond funds are also good because they don’t go down in a crash. I keep mine in SGOV which pays 3.8% Step 3: put the money you’re saving into VOO or VT. The other funds you listed are fine. Step 4: Turn brain off. Seriously. The more you know, the more you think you know. The more you think you know, the more likely you are to make changes. Changes lose money. Patience makes money. Nobody knows what will happen next year. But I do know that the 7% average return will pan out by 2037
Just buy qqq and VOO and forget your losses. You’ll make it all back before retirement
Biggest position is VOO, but not by choice… Mr Market crashed my RKLB by 50 percent to make that happen lmao 🤌
The S&P valuation right now is not bubbly, and even if they end up being bubbly who cares if you’re not selling? I haven’t sold a single share in over 30 years. (I actually own VTI, not VOO but they’re basically the same thing).
You're setting yourself up for failure. You can safely tell him about MM accounts or SGOV (as an alternative to a HYS account) but beyond that I wouldn't make too many recommendations. If he's a close friend you can mention that he should look into INDEX funds like VOO or SPY. High level, if anything goes wrong he's going to blame you. Who needs that?
You could literally have put it all into VOO and made money. Wallstreetbets is fun when people post their daring options trades, this is just plain dumpster investing.
If you put $30k into VOO back in Jan of 2021, and didn't touch it, you'd have $67k today.
You’d have 70k if you just shoved it in VOO and forgot about it lol
Should’ve just bought VOO or BTC and clocked in at Wendy’s
Btw you would currently have around 55k if you had invested in VOO. Even if you wanted to keep your risk-tolerance high, VGT would have gotten you to 70k lol.
Don't listen to anyone on this subreddit. It's mostly Geezers who have no clue what they're doing. Do yourself a favor and throw all your $ or 90% of it into an ETF or a couple of ETFs. Maybe do some research into long term investing. VOO + VXUS Or VT Or VTI (+VXUS) ^All good choices^
VOO- S and P heavy, VT for international exposure. SCHD for dividend income and AI bubble safe. I have the realization of yes I know there's overlap. VTI plus VXUS isn't a bad deal either. US heavy fund + international fund
you have to establish a base camp ⛺️ on your highest conviction companies/indicies based on your own thesis and DD if you buy some shit based on something some fukhead said, you will sell out of it and buy high and sell low then take 10-20% and go for beta and outsized gains the biggest determining factor in growing wealth is spending less than you bring and put those dollars to work buying assets. my base camp ⛺️ QQQ VOO SPY SCHD AMZN GOOGL MSFT thank you for coming to my TedTalk
Are you sure it paid off? I'm not seeing exit or re entry points. I know that those who stayed the course with VOO have outperformed even perfect timing if an international rebalance.
Please explain why VOO+VT+SCHD over just VTI+VXUS?
You realize SPY is also mostly tech right, but tech is not 100% of the market therefore SPY or VOO is a better indicator of the market than QQQ
SPY / VOO is still up 0.7% though..
Yeah that’s the one that’s even more dependent on Musk not throwing another Roman salute in public than VOO.
If i was pregnant and found out my husband blew a quarter mil gambling options I'd divorce him. With that much money just put it in VOO and retire early ffs
Checked out when you put the dollar sign in the wrong place in like the first giant unbroken paragraph. Please pay attention in class and just long VOO.
>The Nasdaq in 2000 was the opposite, it fell 78.4% over 31 months and didn't close above its March 2000 high until April 2015. This statement holds a lot of meaning for a person who might have lump summed all their investment capital ito the NAS in March 2000. It holds less and less meaning for the people who have smaller percentage of their investment capital invested in NAS in March 2000. The reality is the people who had been investing DCA through the 90's were doing just fine through the dot com burst and financial crisis. When 2022 hit, my portfolio did take a big haircut. But buying more AMZN MSFT GOOGL SHOP NVDA AVGO QQQ VOO would have increased my cost basis, because my accumulation had been done for years prior. Investors who buy and hold companies with growing top and bottom lines eventually get rewarded. It's the speculators that may need to panic.
I just put a certain amount into VOO every month and don't really pay attention. Watching the price is strictly for scalping in the mornings if I have time. I can't be stressing my long term stocks every single day. It's exhausting.
If you don’t like the concentration of cap weighted VOO, there are equal weighted SP500 funds like RSP.
You’d be up \~100% cumulative over four years if you had invested in VOO and chill. **2023:** \+24.32% **2024:** \+23.35% **2025:** \+16.39% **2026 (YTD):** \+11.88% (approximate current year pace) But go off king.
The S&P is no longer diversity, at least until the AI bubble bursts. Now it is dominated by AI and AI-adjacent. I hold VOO but also add XLP, XLV, XME, XLE, GLD, and a few others to reduce concentration risk. Bonds have historically been good, other than post 2020, so we'll see if now is the new normal or if they will revert to their prior role.
Diversification outside of equities is folly. S&P500 itself is diversity. If you want more, add small cap. If you want even more, add international. VOO, VTI, and VT are honestly the only degrees of diversification you need to care about. Bonds or cash can be held to weather a downturn, but should not be considered investments. You can look how those performed during the 2000 to 2015 example and see "oh wow this mix did well during this specific time frame" but add 5 years to either end... or even just look at the 2009 to 2015 portion of that time frame. Stocks always come out on top. Unless you're planning on retiring in the next few years, 100% equity is the way to go. It's the easiest, least complicated strategy and the math proves it always wins.
17 can be a reasonable thing IF they're adding value and not dilution. Like I have a cluster of biomedical stocks because they all are looking at good phase 3 releases in the near future. But a lot of this just looks like you've decided something looks shiny and added it to the pile, in a fashion where it looks like you're trying to diversify into everything, which makes it not that much different than just...sticking with VOO/VT or such. Some of these are also arguably inferior versions of other things. SFLO is likely better than AVUV. CHIPS superior to SMH and so on. Some things just horribly under perform without offering much at the moment.
Where did you hear this statement? It makes no sense. * SP500 returns are variable * I've never heard of being locked into an SP500. Typically you buy an ETF and sell when you want. * SP500 is the index. An index fund is something that tracks the SP500 like SPY or VOO.
Why am I a perma bull when the most boring ass ETF ever VOO is up 100% in 4 years and the market has never had a top ever in history? Gee I wonder :exit: :exit: :exit:
VOO But in trading account, GOOG and AMZN and MSFT
He wants you to stay poor and invest in VOO
Yes lose the rest revenge trading instead of crying into your four hundred thousand dollars and buying VOO. Next time just send me the money why not
What do you mean “Never”? Stop doing 0Dte or else yes you can never recover. Just VOO and chill until you recover, if you really want to gamble, put 1% of your paycheck on different account and gamble with that portfolio.
I’m all about that VOO, have a buy scheduled every Thursday, takes my mood sw out of it. You can play with some money, but only a Very Small % of your portfolio.
This is the best advice. Put 50k away into SPY or VOO for that unborn child, and don’t fucking touch it.
If only I was an options degen. I did add to my long VOO position on Friday as I always buy when VIX is over 20.
Sold my BTC when it was over 100k and threw it in VOO and sleep like a baby. Crypto is useless snake oil
my bank has balance transfer offer of 0% APR until 01Apr2028. 3% fee am I regarded by borrowing $10k and putting it into VOO; seems like free money
Yeah, VOO is pretty safe for now. VTI on the other hand…
You said it yourself. Just put money into VOO or other indexes. If youre actually this fucked up over not saving anything use that feeling to motivate you to put money away and leave it
u/darkspherei I'm thinking the same thing, I'll be buying VOO and SCHG with my wendy's paycheck
To save you a lot of trouble, the valuation for both companies is a total joke propped up by a decade long (and continuing) string of promises by the CEO that repeatedly fail to come true. He’s about to further attempt to cover up the real situation by merging the two companies. X and xAI are both horribly losing businesses, TSLA is a largely declining business, but SPCX might be a solid one. He’s gonna try to wrap it all up under SPCX and hope that the market will buy another decade of false promises. I really hope you decide not to, and choose much easier bets like GOOGL, META, MS, STT, PM, GE, VOO, XLK, stuff like that.
Don’t know if I’m allowed to say this but…VOO
Put 100k in VOO and use the last 5 to win it back
I VOO , VT and SCHD and chill
ONEQ a Nasdaq fund. A close second is VOO
VOO is my single largest position but as far individual stocks go, it's BRK.B. I do have a few more speculative stocks like ONDS, ASTS, CRDO, BROS and AMPX to keep it interesting and for some growth.
Luckily you’re 33. VOO from here on out. You’ll still be a multi millionaire in future decades. Let this been a 100k life long lesson, rather than turning it into something far worse / longer. Get help if you need to. No shame in that.
Google and VOO/SPY. The rest is ADBE/IGV