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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
I sold off all my VOO, lots of risk with almost no reward.
I'd say this is a very good answer. Will just add that gold isn't some magic inverse trade against other assets like VOO, VT, TLT, or cash. If you wanted to go inverse on those then it's SH etf, puts on VT, shorts on TLT, or using margin/debt on cash. When you long gold you're basically choosing *a low-vol alt asset* that has **long-term** inflation hedge properties. It helps you preserve wealth and if you are holding physical then it a hedge against national failure in addition to being a hedge against fiat/dollar devaluation (again over the long run). Will just add that gold is still a non-productive asset that works on supply & demand which is partially based on speculation. Gold already had a massive run up due to markets (and central bank) demand which priced in very high risk. *Gold was already in consolidation before the war broke out AND the dollar spiked so very likely the* ***markets had priced in a worse situation for war too*** *so when it didn't then gold price would naturally see a downward move relative to a rising dollar.*
I was hoping to buy $50K of VOO at $600 per share. But now I'm not sure it drops that far.
So wow, this rddt is usually decent. So yeah, spreads can create this sort of grey zone that is best avoided..when it matters. Which is over the Dec-Jan 60 day range, just allow things to settle in that period. So many ways to fuck that up, for instance you can permanently forfeit losses by selling VOO in a taxable brokerage for a loss and buying VTI in an IRA (IRA= 'IRA Trap' where you permanently forfeit those losses. In general just avoid this sort of thing in that Dec-Jan period. Break the chain of wash sales if you frequently trade the same/similar thing long-term over that period and you will be fine. Seems like your particular problem comes from losing money on spreads within that range and than opening more near-term spreads on the same thing. Basically carrying losses forward and not realizing losses to offset gains. I think you are making this more complicated than it needs to be (even if this smacks of AI), I think you got hit with the ambiguity of 'Phantom Gains.' Basically you realized your gains and accidentally carried you presumed off setting losses into the next year via wash sales. If I'm right all you can do is realize loss to offset gains this year realistically.. despite the grey area on spreads.
Emergency fund is great, especially at first before you know what you are doing. This sub loves to tell everyone to just "VOO and chill" but I believe that advice is incredibly over rated if you are interested in learning the stock market in your free time. Picking the right individual stocks will vastly outperform VOO (vanguard etf that tracks the s&p 500) which in the past has gained 10-18% ROI annually. What I did starting out when I had a few grand saved (on top of an emergency fund) was to buy 1 share of 1 or 2 extremely solid companies (in my case both Google and Apple were in slumps at the time so I bought those) to force myself to learn how the market works, and then very slowly add either more shares or expand my portfolio with more companies over time. Now it all depends on the type of person you are, if you are extremely risk averse, don't have spare time to learn the market, or just find it uninteresting to learn, then by all means just go with VOO or an all world etf or both and call it a day.
$72k/year for 10 years into VFIAX and VTI is a solid plan. The 403B match alone is free money. At that savings rate you've got a real shot at retiring by 54. If you're curious how DCA vs lump sum would play out on that kind of money, [here's a calculator](https://trackmyshares.com/tools/dca-vs-lump-sum?symbol=VOO&market=US&start=2024-01-01&amount=72000&freq=monthly) that uses real historical data. Helps with deciding how to deploy each year's contribution.
Some of you contributed the full $7500 into a Roth IRA on January 26th and lump summed into VOO and it shows.
So right now is when you should just cut the losses and move on. Historically you’re not gonna hold on to your most recent trade for long. VOO will return a lot more over the same window. 😂
Honestly, if you're looking for both returns and some ethical consideration, maybe split the difference? Like 75% VOO and 25% the Paris-aligned one. That way you're still mostly tracking the S&P 500 but giving some weight to climate concerns. Anyone else do something like this?
I have thought about Voo and actually wanted to that first. But I wanted to get into the habit of consistently adding an amount into my account. The $50 a week I have it on auto every week and as opposed to saving and remembering to buy a share of VOO every 2-3 months. Or I could open a brokerage where I can buy fractional shares but so far I think it’s gunna work out
Makes more sense than waiting 25 weeks to buy 1 share of VOO (assuming the price doesn’t increase). That’s a lot of time his money would be out of the market, sacrificing 6 months of gains, on a regular basis
VOO is currently trading over $600, hence my “he can’t buy fractional” response. Suggesting VOO in this situation makes no sense at all.
I appreciate the skepticism, but there’s a misunderstanding here about index mechanics. 1. Index Agnostic: Funds like VTI and VOO track the entire US market, including stocks listed on Nasdaq. If Nasdaq creates a 'Fast Entry' express lane for a trillion-dollar IPO, it forces broad-market index providers (like CRSP and S&P) to accelerate their own inclusion dates to avoid 'tracking error.' 2. Leeway vs. Math: While the prospectus mentions 80%, Vanguard and BlackRock managers are strictly measured by how perfectly they track the index. They can't just 'opt-out' of a $100B+ inclusion without their fund failing its primary mission. My concern isn't clickbait; it’s about forced volatility. When the 'Fast Entry' rule waives seasoning, it forces every broad-market index fund to buy during the Day 15 hype peak, rather than waiting for a stable price floor. The reason I’m posting this information is because several people across several forums are mentioning it. People are either in disbelief or feel there is nothing we can do. I asked Gemini if there was anything the average index fund investor could do and this information was presented. I appreciate collaboration with others who are more familiar with any or all of the legalities. --- Transparency Note: Research and drafting for this post were assisted by Gemini 3 Flash (March 2026 version). All technical citations regarding SEC Release No. 34-104968 and Rule SR-NASDAQ-2026-004 have been manually verified for accuracy. Final analysis and conclusions are the sole responsibility of the human author.
META is up about 78 bps over VOO. nothing really big here. i wonder how many people piled in and were left holding the bag.
so as we approach the close of trading today, VOO is up 1.04% and META is up 1.83%. this isn't the 3% premium that people who fell for the pump-and-dump of OP were expecting.
Technically yes. VOO holds the S&P 500 which are US-listed companies. But a lot of those companies generate a big portion of their revenue overseas. Apple, Microsoft, Coca-Cola, etc sell globally. So while the companies are US based, the business exposure is pretty international.
Hey, it looks like you’ve built a solid foundation with your Roth IRA and other accounts! Since you want to lock in some profits from NBIS, I’d suggest reallocating a portion into something like a broad market ETF (think VOO or SPY) to balance your tech-heavy holdings. This can help cushion against any tech downturns. Also, consider setting up a portfolio tracking tool like Personal Capital or even just a simple spreadsheet. It’ll help you keep an eye on your allocations and make rebalancing easier down the line. Good luck! Try the free risk check here: risk.guardfolio.ai שif you want ongoing monitoring/alerts, the full platform is Guardfolio.ai
The past 10 years have been insane for SP500 and US markets. Historically, it evens out with international markets/european markets. I do 60% VTI/VOO and 40% VXUS for total stock market with a good amount of Euro markets. I feel like at your age you should diversify, especially with a shitty USD and all the crap we're going through.
S&P are considering waiving requirements to let them into VOO (S&P 500) early too! It's literally every index. https://www.bloomberg.com/news/articles/2026-03-12/s-p-weighs-rule-changes-that-would-speed-spacex-s-p-500-entry
I am pretty sure this only affects funds following the nasdaq 100 index so index funds like QQQ/QQQM. It would not affect index funds like **VTI, VOO, or BlackRock Equity Index F** as they do not follow the nasdaq 100 index. >If passed, our index funds will be **legally forced** to buy these stocks in just **15 days** after they go public. Yea this is clickbait . Not all index funds it would only affect funds following the nasdaq 100 index basically QQQ/QQQM, and I am not sure it would have to legally buy if you read the prospectus it usually gives the fund managers some leeway in managing the fund . Most will say "Generally the fund will invest at least 80% of its assets in the underlying index"
So stay in VOO and away from VT and VTI and wait for S&P to add them to the 500.
S&P will decide when they become part of the index, which is a slight advantage VOO has over VTI. But the power of buying index funds is that you will only have a sliver of SpaceX and OpenAI. Stop overthinking today’s FUD angle, or are you part of it?
So Jack Reacher is not a VOO and chill type of guy Interesting
Why is the top gospel in this sub SP500 rather than a globally diversified index? ie VT instead of VOO gives more diversification. I know that SP500 has overperformed for a long run now, but for example VXUS did better in 2025. You are also missing small and mid caps within the US using only SP500
You'll underperform the market. Just buy VTI or VOO.
I’m posting this because most of us use index funds like **VTI, VOO, or BlackRock Equity Index F** specifically to avoid the risk and 'hype' of individual IPOs. However, there is a new rule proposal sitting at the SEC right now that could change that for all of us. **The Rule:** Nasdaq's **SR-NASDAQ-2026-004** proposes a 'Fast Entry' for trillion-dollar companies (like the rumored SpaceX/xAI IPO). If passed, our index funds will be **legally forced** to buy these stocks in just **15 days** after they go public. **Why this matters for your 401k/Retirement:** * **No Price Discovery:** Usually, index funds wait 6–12 months for a stock to stabilize. This rule forces our funds to buy during the 'IPO hype' peak, essentially providing exit liquidity for private investors. * **Forced Overpayment:** When every index fund is forced to buy billions in shares on Day 15, it creates an artificial price spike. We pay the 'hype price,' not the fair value. * **Extreme Concentration:** Between existing holdings like Tesla and a potential $1.7T SpaceX, nearly **5–6% of your 'diversified' index** could be tied to one individual's business empire. **Status Update (March 15, 2026):** The SEC just issued **Release No. 34-104968**, extending the decision deadline to **April 29, 2026**. They are actively looking for 'Investor Protection' concerns. If we don't speak up, the rule will likely pass as a 'market modernization' effort. **How to Act (30 Seconds):** 1. Go to the SEC Comment Page:[ https://www.sec.gov/comments/sr-nasdaq-2026-004/notice-filing-proposed-rule-change-adopt-new-continued-listing-requirement#no-back](https://www.sec.gov/comments/sr-nasdaq-2026-004/notice-filing-proposed-rule-change-adopt-new-continued-listing-requirement#no-back) 2. Submit a comment: *"As a retail investor and 401k participant, I oppose 'Fast Entry' rules that force passive index funds to buy newly public companies before the market has had time for proper price discovery. This exposes retirement savers to unnecessary volatility and artificial price inflation."* **Transparency Note:** I used Gemini (AI) to help synthesize the specific SEC filing language and verify the current decision deadlines (Release No. 34-104968). I am posting this as a concerned individual investor because I believe this rule change fundamentally shifts how our 401ks operate. **There is power in numbers. If you are concerned about yourself or someone you know who has spent a lifetime investing in a retirement account, speak up.**
Honestly, what you're describing is basically the classic “stay the course” strategy, and historically it has worked extremely well for long-term investors. A few things to consider: At 35 your biggest asset is time. Short-term market cycles matter much less when your horizon is 20–30 years. The S&P 500 is already diversified internally. People sometimes forget that buying VOO already gives exposure to hundreds of companies across sectors. The real risk isn’t concentration — it’s behavior. Many investors underperform simply because they panic during downturns or try to time the market. What some people do at your stage is add international exposure (VXUS), bonds later in life, or a small allocation to other assets, but the core principle is still long-term compounding. If you're interested in the broader thinking behind building robust long-term strategies and decision frameworks under uncertainty, this book also touches on that mindset: The Art of Strategic Thinking: A Practical Guide for Decision-Makers — Caspian Lux https://www.amazon.com/dp/B0F6YX8FQ8 It’s not an investing book specifically, but it discusses how strategic decisions under uncertainty work in areas like finance, business, and policy. In the end, though, the hardest strategy is still the simplest one: stay disciplined and avoid reacting emotionally to market cycles.
The only bad buying opportunities were right before the crash in 2001 and 2008. Any other time you made gobs of money doing nothing but keep buying VOO
looks like you've got a solid mix! tbh, i think your allocation is a bit heavy on individual stocks. VOO is a great core holding for steady gains, but maybe trim some from NTR or Joby to add more to something like utilities or consumer staples? those tend to hold up better in rough markets. also, you might wanna check in on how CRISPR and Joby are doing—kinda speculative, and could be volatile. but hey, if you're into them for the long haul, then stick with it! overall, just make sure you’re comfortable with the risk level. keep it up!
Again, this is the wise crack smart ass response to everything. Most growth stocks are down 50% in the last 6-12 months. This is a stock forum, how many here are 100% VOO
>There is real income potential, but it requires specific market conditions. Not something you can really set and forget. You don't have any certain way of knowing at any point of time if the market will trade sideways, up, or down. Any existing knowledge of expected volatility is priced into options. XYLD returned 8.18% the past year(including dividends), VOO 16.92%... >Agreed on REITs tho it is important to recognize they aren't going to give you qualified dividends, so you pay a larger tax bill on them. It's not as bad as it used to be, there is the QBI deduction which makes them taxed 20% less(unless you are very high income), and some of the distributions are classified as return of capital and therefore untaxed. There is also the added benefit that they generally do not pay corporate taxes. >Bonds aren't necessarily bad either. Something like SGOV gives you monthly ROI, and is tax free. Muni bond funds for your state are likely the same, but probably have a lower ROI. If you are investing for a longer horizon it may make sense to buy longer term like VGIT or even VGLT to lock in higher yields over the long term. >But you get all the benefits of a REIT plus since you actually own property you get capital gains, get depreciation, and the ability to do a 1031 exchange. There are higher barriers to entry (qualified/sophisticated investor). cap gains/depreciations are passed onto investors of REITs by nature of the classification of dividends. Dividends can be classified as cap gains or return of capital due to depreciation. The other benefit of REITs it that right now many of them are trading significantly below the underlying value of their holdings. Just look at AMH/INVH, if you take the market value of their homes minus their debts, they're trading at like a 30-40% discount.
Would this apply to the Vanguard funds? (VGT, VOO)?
there is plenty of volatility you probably want to say the stock market of US has not crashed like the rest of the world https://www.google.com/finance/quote/VOO:NYSEARCA?window=6M&comparison=INDEXSP%3A.INX
https://www.google.com/finance/quote/VOO:NYSEARCA?comparison=INDEXSP%3A.INX&window=1Y
This is what I do. It's like 5% of my portfolio just as a boost. And only ones which don't erode NAV. Primarily in VOO, BRK, and VT, along with SCHD.
If the current market has you rethinking anything, then your risk tolerance isn’t nearly as high as you think it is. VOO is barely down.
I had this same situation. My old 401k got closed at the end of 2024. I rolled it over into a self-directed IRA. My plan was just to hit VOO or something and let it ride long term, no management fees, etc. However, the market was tanking at that moment. So I was going to wait and buy in at the bottom of the slump. And, I forgot. I stopped checking. By the time I remembered again, the slump was over and everything had rebounded. So now I am sitting here trying to decide whether to buy back in on this mini slump (and lock in my loss compared to where we were in 2024) or wait for a deeper slump. So, my advice is, just get back in there. If the market rebounds again, you got a couple extra percent in your favor. If the market slides further, you are in no worse shape than you would have been if you hadn't changed banks to begin with.
Why VOO and not a total market index? Or a total U.S. market index?
SP500 still has a 50% hard requirement. So if Mudk releases 5,10 or 20%, VOO is still SpaceX free for the time being.
Hey, your past "buying high and selling low" strategy is a pitfall that 99% of beginners fall into, and I myself made it repeatedly in my first 10 years. Now you're 30, have money in your account, and plan to hold the S&P 500 (SPX/VOO/SPY) long-term, which is one of the smartest decisions you've ever made. But your question about "how to find the bottom or the right time to buy" has a harsh answer—you can't, I can't, and 99.9% of professionals can't either. This isn't me trying to discourage you; it's what the market has taught me through the bloody realities of the past 30 years.
What index do you believe VOO follows?
Wealthfront has a S&P500 product where you can exclude the stocks you want. But they obviously charge more fees than VOO.
Not a fan of VOO's holdings? There are like 3-4 good companies outside of VOO 😂
> 100 year track record as VOO. Ok "friend". However, VOO was established in 2010. The S&P 500 was established in 1957.
Are you struggling for money at the moment? If not I would just sit and hold and also build and emergency fund. I'm using this time to stack. VOO and VXUS are down atm and I'm buying those dips
The thing about diversification is that people diversify by sector, geographics, market-cap, etc. However, nobody seems to want to diversify by weighting methodology. For instance, you could buy VOO, which is market-cap weighted S&P500, and RSP, which is equal-weighted S&P500. Or weight by GDP of the country. Or minimum variance. Or throwing darts at a board. The interesting thing is, over very long periods, any of these methodologies appears to outperform the S&P by \~1-2% annually. One posited reason for this is because they all break the link between price and weight. They capture a "rebalancing premium", by trimming the outperformers and adding to the laggards. Another posited reason is that it's just the value/risk premium, because these other weighting methodologies naturally tilt towards the smaller and cheaper stocks. Either way, I like to go 50/50 market-cap weighted/other weighting methodology. So for instance I have SCHX (S&P Market-Weighted), FNDX (S&P Fundamentally-Weighted). SCHF (Developed Market-Weighted), FNDF (Developed Fundamentally-Weighted). SCHE (Emerging Market-Weighted), FNDE (Emerging Fundamentally-Weighted).
The majority of your portfolio should likely be in that VOO, and a couple others like it but for different sectors. For individual stocks: I wouldn't Do Vertex or Inthitice. Pharmaceutical stocks are too volatile with news one way or another one new approvals or finding out their product is 2% worse than a competitor so stocks soar massively and rank massively. Energy stocks are generally slower growers, but lately have been quicker, though also are now becoming volatile as well with news on approvals or disapprovals of new projects. Only buy cheniere if you truly believe in them regardless of news one way or another affecting the stock in short terms. ASML was a good choice long ago, this generation of tooling is peaking though. There is no guarantee ASML will be topdog in the next set of tooling. They were nothing before this generation and could very well be nothing in the next. In fact, ASML hasn't even talked about working on next gen tooling yet which is pretty bad. I wouldn't hold them more than couple more years as it is too risky at that point.
Honestly this is a pretty interesting portfolio but it looks a bit concentrated for someone just starting out. You already have VOO which gives exposure to 500 companies, but many of your other picks are sector bets like uranium, agriculture and biotech. If your goal is steady long term growth you might consider increasing the core index portion to something like 50 to 70 percent and using the rest for individual stock ideas.
Hey welcome to investing! It is awesome that you are committing to 400 to 500 a month. Honestly that consistency is the most important part. Looking at your list, it is great that you have VOO as your top holding. You also have some fantastic companies in there like Waste Management and ASML. But since you mentioned wanting relatively steady gains, your balance is a bit off right now. Only having 22 percent in your foundation like VOO and putting huge weightings into single companies like almost 15 percent in Nutrien adds a lot of risk. You also have a pretty big chunk tied up in highly speculative stuff like CRISPR and Joby which brings a lot of volatility. Usually for a newer investor wanting steady growth, you want to flip that ratio. Think about making a broad market ETF your core holding around 60 to 80 percent, and then use the rest of your money for these individual conviction plays. If it helps, I actually run a public pie on Trading 212 that a lot of people copy to build a reliable foundation. It keeps 60 percent in broad global ETFs to capture the whole market safely, and the other 40 percent in rock solid blue chip dividend payers like Microsoft, J&J, and Coca Cola. You definitely do not need to copy it, but looking at how it is set up might give you a good idea of what a more balanced portfolio looks like.
It’s a matter of relative price to value. VXUS or DFAI - for the value of the companies they hold- is cheaper than the S&P500. I wouldn’t try to time the market by selling VOO; just put any new money to work buying international/Ex-US
No reason to sell the VOO in any account for any reason but just lower expectations on returns for next 10 years. With regards to singular tech stocks, don’t sell the winners. Let them ride. If one or two start to sputter (as in business conditions not stock performance) sell and look for a replacement. For future investments consider an equal weight S&P 500 index etf rather than market cap weight etf to hedge the heavy tech tilt in your portfolio. Ultimately, consider managing expectations regarding future returns and keep investing.
I'm in a similar situation as you OP. I'm 2 years into retirement and SS covers two-thirds of my expenses. I've got 3 buckets: • Cash equivalents bucket: 2 years of SGOV • Fixed income bucket: 3 years of bonds (Corporate bond ladder) • Equities bucket: low-cost S&P 500 index fund (VOO or equivalent) My portfolio is 85/15 with the 85% in equities. To pay my expenses, on a monthly basis: • If the market is down sell SGOV • If the market is up sell equities (Selling equities instead of SGOV each month when markets are up allows me to lock in gains. And the longer I can keep the SGOV cash bucket relatively untouched when markets are up, the more "fully stocked" it will remain; and it'll be at or near 2 years worth – ready to be tapped long-term in the event of a sudden and prolonged market downturn.) Once a year, or when SGOV gets too low, I'll rebalance to replenish SGOV and get it back to 2 years worth. As bonds mature, buy another bond to keep a three-year ladder; or in a pinch replenish SGOV if necessary. >Some say keep 3-5% in cash equivalents while others say keep less because of opportunity lost. What do you all suggest/what do you do? I feel comfortable with 3 years cash, but not sure if that's the smartest course. You feel comfortable with 3 years in cash, I feel comfortable with 2. I like keeping the largest possible amount in equities for growth, so anything more than 2 years of cash would start to enter that "opportunity lost" realm. Number of years in cash pretty much comes down to personal choice, unless anyone knows of any guidelines to follow.
Most of my money is in VOO which I thought was a reliable index fund, but it’s down 3.31% YTD. Now I’m trying to figure out which index fund will actually yield returns.
My ChatGPT financial adviser took a look at my portfolio (heavy individual tech stocks and VOO) and said ‘WTF’? Do one or the other. You have much the same tilt. Do with that what you will.
SPX and XSP. Look up 60/40 tax adavantage for European-style options. You save on taxes AND on fees for doing SPX rather than VOO, SPY, and even XSP.
You should probably diversify, at least into international ("excluding US") but I would have told you that even if things weren't bad, one thing to note is that VOO is somewhat redundant with your tech stocks because the tech stocks are heavily weighted on the S&P 500 already, if one drops, so will the other.
I’ll be the first to say VT and chill And the first to say VOO and chill You aren’t going to get many other responses here besides that.
Honestly this already looks pretty thoughtful. 55% equities / 45% defensive assets is a pretty common range for someone a few years into retirement, and having a 30% cash buffer gives you a lot of optionality during volatility. One way I tend to look at portfolios that helps simplify the overlap question is thinking in “sleeves” rather than individual funds. For example something like: • Core market sleeve – broad exposure (VOO, VTI, etc.) • Income / dividend sleeve – SCHD, VIG, JEPI style funds • Ballast sleeve – bonds, CDs, cash • Optional satellite sleeve – anything tactical or opportunistic When you zoom out that way, some overlap between funds matters a lot less, because the job and intent of the sleeve is clear. The sleeve structure also makes rebalancing easier since you’re adjusting exposure at the sleeve level instead of constantly swapping individual funds. From what you described, you already kind of have that structure forming naturally — especially with the growth vs dividend split and the large cash reserve. Your plan to gradually move CD maturities into bonds also sounds pretty reasonable.
My humble suggestion is that at 35, start learning Technical trading seriously, if you haven't already. Just staying with VOO, might have done good for you up till now and if you are content then so be it and it will continue to do so; but there is so much more you can do and retire early or enjoy life more as there is really easy pickings, once you get good at technical trading (fundamental trading is too involved and by your post I get a feeling that you want it easy).
Your allocation actually looks pretty reasonable for someone in retirement. 55% equities gives you growth to help offset inflation, while the bonds and cash provide stability and liquidity. The only thing I might question is the overlap in funds. VOO, SCHG, SCHD, and VIG all hold many of the same large companies, so you could simplify without changing the overall exposure much. Also, with 30% cash you already have a strong buffer, so gradually shifting some into bonds (like you mentioned) could help generate a bit more income while keeping risk moderate. Overall though, it looks like a balanced and thoughtful approach.
I tend to agree with you, but if you look at VOO in the last 30 years then its been pretty reliable. WHen you invest for long term, like OP tends to do, then having a medium risk like large cap US, tends to outperform everything even the more safe options. Theres merit in looking at overseas like VGS, but options are cash or bonds. A good defensive portfoio would be 40-VOO/Russel, 20-VGS, 20-Bonds, 20-Cash or a variation of something similar.
Nice. Yep im around 10% BND, 25% VXUS, 40% VOO and 25% stock. (For my non sgov positions) I bought Sandisk at $38 a share (had 115 shares), NVidia at $90 a share, reddit at $90 a share (100 shares) and I did Netflix calls when then were at $80 but I sold prematurely when it hit $92. Coulda milked it a bit more I sold off most of my Sandisk but still have my NViDIA and am going hard into Reddit since I think its super undervalued.
Big account loss appx 0.2% (mostly etfs trade like qqq,slv,voo,gld etc), but smaller roth accounts are 5% to 7.5% gains. I was keeping them in etfs like QQQ/VOO/GLD etc, but Jan 2026 started trading (not comfortable to hold etfs) QQQ/VOO/GLD.
Scientology wishes it had as good of a 100 year track record as VOO. There’s no comparison whatsoever friend.
Do nothing should be the mantra every time. It’s too late to get out now and if you did and things continue going south when would you get back in. Lots of people bailed in 2009 at the worst time never to return. I good analogy I heard is to act now would be like the scene from Rocky where he is trying to catch a chicken. Why drive yourself crazy over analyzing oh no what should I do in a down market. Discussions of market timing come up every time there is a market downturn. Of course you can do the opposite of what you are thinking of doing and use new money to buy more VOO or QQQ. Pulling a George Constanza Opposite Day move would be epic and a story to tell Reddit at the end of the year. This too will pass … maybe in a few more weeks or by the end of April or December? Lastly you are 35 not in your 60s.
VOO already has the single stocks you own. That's duplicating?!?!?! Like other people said, diversify; put that other 20% into VXUS or IXUS for international exposure.
All you have is VOO? Hold VOO and diversify. Buy sector ETFs. Going forward spilt whatever you would have placed in all VOO between your diverse ETFs. VOO and chill is not a strategy.
VOO as the core is fine. The only real “gap” is you’re basically all US large cap, and the extra 20% in big tech pushes that concentration even more. If you want a hedge without changing your life, add a small international slice (VXUS) and call it a day. Bonds just reduce volatility (they won’t always “save” you), but a small % can help if you’re the type who might change course during a big drawdown.
You should be investing more right now, this is a buying time. I’d go 80% domestic (VOO) and 20% international (VXUS)
This really pisses me off because I hold a ton of VOO.
I hold VOO 50%, VXUS 20%, AVDV 20%, and FLKR 10%. This diversification has been a great balancer, especially against AI disruption....That said, even Asian equities have been impacted by current events in the Middle East.... AVDV hasn't been impacted nearly as much.
Well, international is being hit harder than VOO right now...
My safe VOO is down since Orange took office
I will sell all my VOO if that is the case. I have enough exposure to garbage Tesla. I don’t need egregiously overvalued SpaceX in that pile too.
You're probably right that VOO is sub-optimal. Probably more so now than ever. I'm also fairly confident that guessing what is optimal would be closer to gambling than sticking to course in the long run.
I am like 80% cash right now. Just waiting for VOO to hit 10% below peak.
You should look at the current market as an exciting time to buy. VOO on a slight discount right now. Start accumulating more for cheaper. You’re 35 years old. I’m assuming you aren’t cashing out for another 20+years. Buy the dip! Why are you worrying.
If you like VOO, you might like SPYM ( exp .02) better. Only 2/3 the expenses.
Shift some VOO into RSP and VXUS.
Hmm.. On the one hand I expect this to continue dumping, possibly very low over the next 3-4 months. On the other, retard strength and fraud. I think I will very slowly start DCAing into VOO again in my 401k. Just the tip.
At 35 with 25+ years to retirement, all VOO is honestly fine. The S&P has beaten almost every other strategy over that kind of timeframe. Your biggest risk isn't the allocation, it's panic selling during a crash. The one thing I'd add is some international exposure (VXUS) so you're not 100% betting on the US. Even 20% international gives you a hedge against US-specific risks without complicating things.
All the family wealth management firms are 100% VOO!
Honestly, what you’re doing is basically what most long-term investors end up doing anyway. VOO is already 500 of the largest companies in the world and a lot of their revenue is global, so you’re not as “US only” as people think. At 35 with a 10+ year track record of sticking with the plan, the bigger risk usually isn’t lack of diversification, it’s changing a strategy that’s already working because of market noise. If you wanted to tweak anything, maybe add a little international exposure over time. But the core strategy of consistently buying a broad index and not touching it for decades has historically been very hard to beat. Honestly the hardest part of investing is exactly what you’ve already done for 10 years…doing nothing.
I wish there was a way to modify ETF holdings just to tweak the weights of VOO a bit lol
Yeah, the tech concentration in VOO is wild, like putting all your eggs in one high-altitude basket when you're climbing. I've been slowly adding VXUS too for more balance.
> *The Church of VOO and Chill* is the Scientology of the investing world. So you're saying it's where all the rich people are? /s
VOO is a solid core holding, especially with your horizon. I've stayed heavy in S&P too, but I sprinkle in VXUS and Fundrise VCX so I get some diversification outside just U.S public stocks.
If you look at pretty much any 30 year time period since the creation of the stock market, putting all your money into an index fund that tracks the S&P500 has historically been the best bet. That being said, these are unprecedented times. My main concern has been the trend of de-dollarization. For that reason I’ve rebalanced things and been investing more in commodities (like gold and silver) as well as some international ETFs and energy and I plan to keep doing so until things improve (probably 1-2 more years). However I think trying to understand the market is incredibly hard, and trying to stay on top of it is incredibly time consuming. The average investor is best served by finding a trustworthy person who works in finance to handle their investments. The problem with that of course is finding someone trustworthy. If you want to do a quick and easy diversification, you can divide your portfolio between VOO, VXUS, Gold, and short term bonds.
A lot of data suggests leaving your money in S&P, but I feel like it's biased: you're looking at the world's strongest economy in a relatively peaceful era at its geopolitical peak: at done point USA should revert to the mean. Although the American AI companies seem quite compelling... So VOO is still my biggest position, but I have gold and international markets as a hedge
At the start of the tariffs I sold off about 20% of my VOO and put it in international and some value and small caps. My portfolio might be a bit convoluted but I outperformed the S&P by 15% last year and am still green YTD (probably not for long). Anyway, not an economist and don't work in finance so I'm aware I might not know what I'm talking about.
This why we should diversify beyond just our own country's stock market. 100 percent VOO not wise
this dude gonna buy $200 of VOO and think hes making a move
Asset allocation is critical to success. What you have right now is 100% US Large Cap with a strong technology tilt. I don't want to be critical of anyone's religious belief's, but *The Church of VOO and Chill* is the Scientology of the investing world.
You should like someone who should stop investing in individual stocks and go invest in S&P 500 (SPYM or VOO) and focus your attention on something else, like learning a new skill or reading a book.
I have been downvoted on this sub repeatedly, but here it goes again: An investment plan should be structured so as to be able to weather a long and deep correction. I use 40% and an 8-year recovery. Not everyone is thinking in terms of a retirement account that won't be touched for 30 years, and investing is not just about VOO and chilling.
Im in a similar position. Personally, I am doing a little hedging with 10/80/10 in VXUS/VOO/Individual. I would like to move that to 25/65/10, though. Personally, I'm not a major fan of VOO's holdings but I can't deny the performance.