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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 am super conservative with my investments, and I am down. I thought “VOO and chill” would be way more chill than this. those “bets” are full of shit man.
If you’re only getting 3% on cash, you’re basically just keeping pace with inflation. And if the market crashes, your cash loses value too, but you also miss out on 5–10 years of compounding interest. An S&P 500 ETF like VOO has tracked the index almost perfectly and returned around 16% annually over the last five years. HYSA CASH 100k in 5yr = 116K VOO ETF 100k 5yr = 221K
I started at 30 with $5K OP, you're fine. Just stop buying options and start buying VOO.
Basically the older you get, generally the less risk you want to take. Investing in individual stocks, or an ETF like VOO is fine if you're younger, and can recover from a crash. But it's not fine if you're already 80. If your parents put all their money into ETF and individual stocks, and a recession happened in the next few years which is looking more likely, they'd be fucked. Find a proven, stable bank, and just open a high yield savings account.
Man, I mean your fine but, if you put all your money into index funds 5 years ago you would have hella money rn, just throw it in an index fund and forget about it. Right now the market is choppy and moving sideways so if you want to feel like a trader, just buy low and sell high to gain a little extra market value. Stay away from options and IMO also stay away from 99% of crypto, I personally don’t hold it but BTC would probably be fine. Let me put it this way, you lost 48k more than 99% of the worlds population by your age, you aren’t behind you are ahead however if you put that 53k in the VOO. Which over the past 5 years has returned 76%. You would have 93k. Then you can learn about higher risk index funds especially given that your a few years younger than me we have the advantage of time, you can take risks and put money into risky investments just be smart and don’t make it 90% or even 50% if your portfolio. At best with our age 20-25% could go into risky investments if your a risky kind of guy, personally I keep basically 0% in risky investments since I have bought into 2 risky businesses 1 went out of business and liquidated for less money and the other was bought out for like slightly less than I paid in for, every since then I haven’t even bought many individual stocks mostly just index funds
What are everyone's thoughts on stock rotation. Like moving out of VOO, QQQ etc into industrial, utilities, infrastructure, materials, consumer? Or do you just wait the tech slump out?
Yeah it's been a great run up so far and obviously I'm seeing potential in them. I was just cautioning against people betting on 3 highly volatile and speculative stocks for a retirement fund. It seems like you do close to what I'd suggest if you want some more upside (and downside) exposure which would be to invest in VOO, maybe pick some blue chops to overweight for 10-35% of the portfolio and if you're feeling really optimistic and like the gamble then chose some speculative growth companies for 5-15% for your portfolio. And when it REALLY works out you can get a HUGE overperformance like yours.
You’re still young man, you’ll be fine. Just invest in safe assets like VOO and VXUS. You’ll be better off than what you’ve been doing.
i know how you are feeling. Alot of us have blown up an account 40-100k. It happens to the best of us. try to avoid options unless you're super confident. Just know you're not alone. this happens to the best of us. If i were to give you real practical advice as a 38 years old. I'd just own VOO and BTC and that's basically it. Find hobbies you like- lifting weights, snowboarding, golfing, art, carpentry. building things. Creating things. We were put on earth to be creative, not to stare at our account balance screens everyday borderline gambling w/ the worse scum morally bankrupt humans on earth. Wall street.
Long term (10 years or more, I’d go index fund like VOO/VTI
Park that 6 grand in VOO and enable dividend re-investment. Take a break, enjoy life, and save a couple grand on the side. Come back after you save the money and try again. You’re young, you have so much time to make big money. Don’t rush or force it. I started when I was your age and I became a millionaire when I was 35
Imagine you had just put all of it into VOO or QQQ every paycheque. Probably have like 150k right now
I opened a position in UBER and added to AVDV, AVUV, QQQ, and VOO.
Not the time to buy VOO. I focused on AI Infrastructure and energy. The picks and shovels of AI. Doing ok. I don’t expect the Mag 7 to do much this year. And they make up like half of VOO and 60% QQQ.
If I had 1.73 million I’d keep 700k in my bank and then invest the remaining in 33% VOO 33% a dividend stock and 33% growth/tech, and 1% options
You could've nearly doubled your inheritance since 2022 if you actually were a VOO bull
Management fees from the plan are virtually nothing. I pay $3 a quarter and the management fees from the fund are pretty reasonable too, I avoided the ones that were high. I do not HAVE to move them, I would like to move them and would find it beneficial in the long term but not to the tune of losing $2000 I put in in November and other money I put in recently. I do not see a reason to move them at a loss unless the market was about to crash These do not track any index and even the index they use as a reference, one of the Russells, the result did not align with the outcome yesterday. The index thing works when you have something that is the mutual fund version of VOO or QQQ, it does not work when it is a proprietary mix
Bro stop with the options. Just put money in VOO, you need to realize that you are an idiot
Honestly can't tell what's worse between these posts or the ones where people have unironically moved their *entire* portfolios to ex-US due to VXUS outperforming VOO for the first time in... 15 years lol.
You've learned at least 2 things: 1. You're a successful entrepreneur. You found a market need, and filled it, and made profit. You can pick that back up or apply it to other things 2. You don't know enough about investing yet. Get a library card, go to the library, and learn all you can about the markets and investing. It's hard to beat the returns of VOO over the long run, but there are ways depending on how much risk you take. Most Americans will require 30 years to build up $1,000,000 savings. Have you considered joining the military? They provide purpose, structure and opportunities for career growth and getting degrees.
I have some friendly advice. On the off chance you see this, please consider this. Trading without an edge is calculated gambling. If you think you have an edge, you don’t. Sometimes people can get lucky and it sucks to see others that do, but dawg, you’re still ahead of most people your age even with the loss. If you keep building, by the time you’re 28, 50k will be nothing. Do this, 65% in VOO and pick some of your favorite stocks to scratch the “I need to trade itch” This will feel like withdrawal but that’s because your brain probably hooked… no more gambling. Cheers.
You're 18 dont sweat it, but if you just left that money in VOO until you retired you would have a cool million dollars.
The lesson you should learn is that trading shoes is not the same as trading stocks. Go back to focus on traing shoes. Put 98% of your earnings into VOO, and 2% toward trade/gamble in different accounts. Do not convert any VOO into the other account.
Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!
\>people tell me to invest in companies I personally like (for example, Netflix Most people are not wise investors. They basically don't know what they are doing. Investing in companies you like or believe in is a naïve investing thesis. Ask yourself, "Does the company like or believe in me?" The answer is no. They do not even know or care that you exist. Aside from which, when you buy shares you are buying them from someone else that owns them to sell, not the company itself. Buying shares is not liking or believing in the company. They are not the ones getting your money\*. You are doing well to start investing at your age. The S&P500 (VOO) as a pretty well diversified old school collection of successful companies is an ok way to do that in theory. In practice it has been a good way. Current thinking is that higher diversification and including a portfolio allocation in companies outside the US is wise by less uncompensated risk. Nobody knows which portfolio will do better. Nobody can predict the future. \*Some companies do sometimes issue new shares that are sold into the open market. In that case your money may go to the company. The amount of money involved is trivial compared to the existing shares bought and sold outside of the company.
i’ve finally surrendered to VOO and chill it’s over boys
Why is it that the American market is so terrible this year? VOO is currently at a -0.07% YTD while VXUS is at +9.95% YTD…
So VOO and chill....got it!
Just VOO and chill and you can retire in 200 years bro 🙂↕️
Sitting comfy with 70% cash and 30% $VOO, after getting clapped this whole year. Must be what normies feel all the time.
1. Yes, if you want minimum headache with solid returns, just keep investing into the S&P 500. It has shown strong results over the last few decades and will most likely continue. Of course, nobody can guarantee that — it's possible that America gets pushed off the pedestal as the leading economy, and as a result the S&P becomes less relevant while other countries and indices outperform. But realistically, predictions like that are nearly impossible to make. 2. As for growth ETFs and individual stocks — it helps to think of it as a risk scale. If we're only talking about stocks, here's roughly how it breaks down from least to most risky: 1. Global ETFs (VT, VXUS) - widest diversification across countries, continents, and sectors 2. Broad market ETFs (VOO, SPY, IVV) - S&P 500 and similar, strong track record 3. Sector/narrow ETFs (QQQ, ARKK, SOXX) - more growth potential, but more volatile 4. Individual stocks - closest thing to a casino. Nobody can guarantee with 100% certainty that a company won't change direction, replace its CEO, or run into unexpected problems. The general rule: the younger you are, the more it makes sense to lean toward the riskier end of this scale. If those bets pay off — great. If not, you still have decades until retirement to recover. But the higher the potential growth, the higher the risk. That tradeoff is always there. The good news is you don't have to pick just one. You can combine them — keep the S&P 500 as your core and add a smaller allocation to something more aggressive. The key is deciding how much risk you're actually comfortable with.
all stocks are literally pumping stop buying shit like VOO or SPY
Ugh my measly 100k silver is holding up my stupid 300k in VOO 😩
I am Asian, and I invest all my income in VOO. Although I inherited a portion of my family assets, approximately $300,000, which is currently held in a high-yield bank account to earn interest, I use that interest to buy VOO stock. My family doesn't allow me to put all $300,000 in stocks. Perhaps because my parents experienced the Asian financial crisis of the 1990s, witnessed Japan's economic bubble of the 1990s, the US dot-com bubble of 2000, and the 2008 financial crisis, they believe stocks are dangerous assets.
There’s nothing wrong with your logic. It’s how all personal finance works: grow investments, sell only when you have something urgent to pay for (otherwise it is a panic sell). That urgency could be your car. It could be a house, etc. The only time it would be flawed is if you’re counting all investment and growth as being necessary for your goal, in which case non Ira would be more suitable. In real world I tell people to have both. Taxable and roth. I don’t care if it is 25/week VOO in taxable, there needs to be something. Learning that basic behavior is the basis of all personal finance. Something has to be auto invested, something has to compete with expenses. Best of luck!
I Know What VOO Did Last Summer
When the darkness comes, you don’t want to worsen your situation. If I were in your scenario, the worst I could do is whether pulling all cash and VOO then betting on either up or downside market movement. Hence, I lose all the money. If you don’t lose all your money at once, you could survive the darkness and the light can shine. I hope your wife can deliver the baby safely and the medical expenses are covered.
So long as you are investing for your son on a regular basis, FXAIX, VOO, SPY and IVV are all good choices. Once you get the value over $20,000, you may want to set aside half your new investments to a handful of individual stocks that have excellent earnings growth.
You already started right process, for consulting advisor and almost right strategy 200k annuity and 300k (likely VOO vanguard etf) on your own. This is a good start, may be your idea is better than any advisors. A friend of mine retired recently, he has placed 40% in Treasury bond 4.75% yield (no social security yet) for regular income and 40% in stocks/etfs and 20% cash position. It is exactly like your idea and situation.
Sounds like you are still a long way to go to pick stocks Stick with ETF until then VOO QQQ VTI
Bro just invest in VOO or SPY... natural selection at it's finest
INDEX FUND. Whatever tracks the SP500, like VOO. Most of it should be in that. Putting all your money into your own stock picks as a noob... is a horrible idea. Why post about what you already did instead of posting what you should do? You're making another mistake, unfortunately.
Turn that 125k to 250k tmrw buying 0dte spy puts then go all in VOO and hold forever
If you have a job (earned income), you should do “something” in Roth. I hear you on taxable. Flexibility. But with Roth you can take out contributions anytime. Example: 5k added for 5 years. 25k total. Value of the account grows to 100k. You can take the 25k whenever, you can’t touch growth (75k in this example) until 60 without penalties. That is why they say max out Roth before adding to taxable. Because you can still have access to the contributions in a pinch. At 17 there is only custodial Roth, so a parent makes the decisions. You should be able to open a Fidelity youth (taxable) and manage yourself with a parent helping you to open the account. Letting VOO sit in a Roth this early, ufff you have no idea what that means long term. Best of luck!!
Currently investment plan: $100/wk VOO - Split between ROTH, Regular Brokerage $100/wk QQQM - Split between ROTH, Regular Brokerage Currently have \~$32k split as: \~18.7k CD - Matures in May \~13k - HYS Current income: \~$3-4k/mo - As a student \~4-5k/mo - In May once graduated My main question is how I should continue investing? I believe VOO & QQQM are too concentrated (and overlap within that concentration) and have been looking into other ETFs. I am looking for something to balance out my portfolio, as well as am looking for any suggestions. You may be wondering why I am so cash concentrated, and it's because I am planning on attending law school this Fall. Open to suggestions regarding how much cash I should keep on hand, considering I won't be working while in school.
Oooh hey boy? You VOO and chill? Sexy... Let's Netflix and chill
I just want $10M in the account so I can VOO and chill for the rest of my life, is that too much to ask? 🤦
I think he kinda admits as much when he says, unless you're somehow extraordinary, VOO n chill is the way (I paraphrase)
Is it reasonable to assume VOO will keep growing as it has? I mean economics are the same as they have been so I would assume but I guess i dont know.
VOO's basically the safe zone. I still keep some outside the market for stability, but I like your idea of going heavy there.
I like the way you said that 😅 Still, I'm playing it safe with shares. I'll VOO and chill after I sell these though
My dance card is full. lol. I don't like family knowing what I'm worth and my investment strategies. I've had 4 people reach out to me to assist with their investments. I tell them the same thing, time is your friend. Have a plan when you buy. Why did you buy that stock, fund or whatever? I also push Roth IRA's for any young investor. Even to the point that you should put your emergency fund in a Roth. Why? Because if you need that money, you can pull out the principle, if you don't need it, it will come back to you tax free at 59.5. And you can sell without tax events. So, back to why did you buy? If it's short term gains, then fine. Set your goals and sell when it hits your target. Or at least set up a stop loss. You never lose taking a profit. If you bought something like a broad market ETF, why would you sell? Is it in order to buy something else that you think will bring a greater return? Even then, I'd recommend DCA into that other fund instead of selling. That's the great part about funds like VOO. The reason people buy it is because the S&P has increased on average year over year. It will continue, so why sell? Even if the market is down for a period. If it's not going to come back, then selling and buying another fund won't go up either. If the stock market is going to crash and never return, then it doesn't matter what you're position is. You'll need gold or lead at that point. If you believe the market will continue to go up, why would you sell? When you're shopping for a car, you don't wait for the price to go up to buy, you buy when it's on sale. Stocks are the same way. I'd rather buy on sale, because I believe the markets will go up over time. Selling only locks in my loss. Especially if I would ever consider buying that same equity again in the future. With all that said, it's much easier to invest in your 20's, 30's and some of your 40's. As you get closer to retirement, you start looking at wealth preservation and income, not so much growth.
Ohh ok.. it doesn’t matter whatever I buy that will dump like shit so stopped buying any new ones except Msft. I need strong rebound to unload my bags and go all in VOO🤟
Aggressive (diversified) is having 90%+ invested in stocks. It does not mean only investing in 5 stocks - that goes beyond aggressive into. Stay the course with VTI, VT and VOO - save more as your earnings increase. Assume you have $100k already invested and continue putting in $7500 for 30 years. At an average 7% return you end up with: **Total balance $1,519,273** Contributions: $325,000 (in addition to the $100k starting balance) Investment Return: $1,194,273 Diversification over time gives you the best chance for success with relatively low risk.
Do you realize were not even talking the same thing? Let's step through this more carefully. >lets say it's 5k monthly You're using different metrics than I used. I used a one time investment. You're using continual investments. Continual is better. I just used one time to simplify the math. >and you're getting a 2% discount (which is impossible but that's not the point). I take it the "2% discount" refers to the example I gave of what VOO has been doing for the last month. This is an **example**. Trying to get that "discount" is totally timing the market. It can be done. I have done it. It cannot be done consistently. Even if it could, it's not worth the time and effort. That's my point. >compounded for 30 years at 10% The formula for compounding interest is: A = P * (1 + r)^t Where: A is the final amount P is the principal R is the interest rate t is the timeframe This is the formula I'm using. It's for one lump sum compounding yearly. Changing it to compound more frequently, adding inflation, and/or adding continuous payments is more complicated. If you want to do that exercise then go ahead. This works to illustrate my point above. If you look at the portion: (1 + r)^t That gives the total growth over time. I assumed 10% growth over 10 years. Plugging into the formula above gives a total growth of about 260% If we move to your assumption of 10% for 30 years, then it gives a total growth of 1,745%. But, then if you insist on calculating for continuous payments then the number doesn't matter.
Honestly the difference between VTI and VOO in practice is pretty small, they have like a 0.96 correlation historically. But the reason I still go VTI is the small and mid cap exposure. Those top 500 companies won't always be the top 500, and the whole point is that you're capturing the next winners before they make it into the S&P. Think about it this way, every company in the S&P 500 was once a small cap. If you only hold the 500 you're always buying them after they've already run up enough to get included. That said, you're not wrong that the return difference is often minimal over shorter periods. If you went 100% VOO you'd probably be fine too. I just like knowing I own basically everything and don't have to think about it.
Vanguard's VTI at 0.03% or VTSAX at 0.04% are higher than Fidelity's FSKAX at 0.015% or FZROX at 0.00%. Same story with VOO/VFIAX vs FXAIX.
Sweet. Nothing wrong with your logic. So you need to understand that a pro managed portfolio is well balanced. It will have the perfect mix of small and mid cap, international, diversified bonds, etc. All of that means nothing compared to just easy VOO and chill. Sp500 will be less diversified, 100% equity (full aggressive). And to someone who has been buying VOO on the regular, not a big deal. Sounds like you’re doing great! Pro managed = diversification = less risk. Less risk normally = less reward (as you’ve obviously noticed lol). If you’re comfortable, self manage. Do VOO, maybe a couple of allocations for high conviction tech stocks you like. TSLA NVDA AAPL. Nothing huge. But since you will leave there for 17 years, 5k of each might be real nice. Just don’t panic sell. Sounds like you got that covered. Best of luck!
This one can't. I asked. I have a taxable account there, and I do buy VOO weekly. Mostly worried about my IRA at this moment in time.
It is very rare that an IRA can’t be rolled into an employer plan. Not impossible, but super rare. Open a taxable account there in Vanguard. Buy a weekly amount of VOO. Work to increase that weekly amount. I’m not sell when there is something urgent to pay for. That’s all personal finance is: spend less, invest more auto. Don’t panic sell. That’s it. A trustworthy pro helps you map out and plan and motivates to do more and talk off ledge when want ING to panic sell. But anyone can do this for themselves (most talk about it but never actually do it). Best of luck!!
Safest, yes but the safety isn’t free. The bank is taking your money and making a killing by investing it and giving you 3.5% back. Simulate 10Y gains in a HYSA vs just the S&P500 and see how much they’re robbing you. What would I do? Well you own half a mil in stocks, which stocks? Is just leaving it alone an option? If I had $500k to invest? I would personally max out my tax leveraged account contributions (ROTH) take the left over and start a private investing portfolio and probably do an 80% 20% split between VOO and VGT (I already hold this).
VOO has been sideways, as two of its biggest members have either tanked (MSFT) or trades sideways since August (NVDA) I’d do VXUS or VEA instead.
Pivot into VOO then chill for life knowing you have a secure retirement already set for you.
Upvoting you because this is exactly what I do. I do a combo of VTI, VOO and started dabbling in QQQ
Better performance might be more risk too. If you want safe options to sit back and relax just put it in VOO.
What if you take one IRA account and buy 25 different ETFs from a bunch of different sectors and asset classes and every week rerank them based on how they are doing the past week Then the 3 that did the worst you sell half your current holding use that money (and add more) and reinvest buying more shares of the top five holdings. I have done that since last year takes me like 15 minutes per week and that account has beaten sp500 by 8% since I started. (In fact I hold VOO and QQQ in that account but they have rarely been top five performers so they are middle of pack holdings.) I have precious metals, Gold silver and momentum ETFs and some sectors bio tech / healthcare / energy etc. I got them all in a little spread sheet and as soon as I log in it automatically looks up the most recent price and the price 7 days ago and the price 30 days ago. It ranks them based on how they did compared to each other and sort them.
I think you're right, VOO and chill. I can't roll into my current 401k, I admit I don't know exactly why but I tried that about 5 years ago and they said no so I never bothered with it.
Just set auto weekly buys. Use a place like Fidelity. The trick is to not panic sell. So only sell when you have something urgent to pay for, which should be rare. Nothing wrong with some single stock exposure at your age, just use the same formula: auto buy on a weekly basis. Let VOO continue to be the main auto buy. With time you will learn it is just easier to focus on VOO and increase that amount. But at your age, nothing wrong with a little direct blue chip. Just the panic selling will be harder to control. You will see
VOO is a perfectly legitimate 1 fund portfolio. It may be worth considering the addition of VXUS for international exposure
u/Gom_KBull How do clowns like you have no shame at all? Just saying the same... stupid... nonsense day in and day out, wrong again and again. Just show up the next day with more bullshit and lies. >you do know that holding SPY shares for the past 4 months is essentially the same as stuffing cash under your mattress right? Even when cherry-picking dates you're a retard. 10/25/2025 - 02/25/2026 close to close. VOO - 3.55% return, annualized rate 11.03%. SGOV - 1.27% return, annualized rate 3.86%. u/BarbellPadawan as well
No one cares. Might as well post daily that you DCAd into VOO today. May do it again tomorrow.
> It's just fine. Consider this: does it really matter if you buy VOO today at $630 or $640 per share if in 10 years that share will be worth $1600 - $ 1700? yes, would be thousands of dollars assuming it's a long term investment. the point is that no one can time it
All of these people touting their VOO return was 16% last year are conveniently ignoring that 9% of that gain is due to a 9% decrease in the US dollar. If the dollar weakens 9% then everything just becomes 9% more expensive. Their gain was actually only 7%. This is why the return on an FTSE etf was like 30% last year
Do you have a current 401k? Why not just stick it in there? Use the low cost sp500 option and be done with it? The purpose of rolling over an old 401k is if you want to work with a specific advisor and they help you with “regular money”, doesn’t sound like you’re doing that. Might as well just slap in your current 401k. Or find a trustworthy pro who will actually invest normal money. But don’t pay management just to pay. Get something for why you pay. A good advisor will help you plan, let you know what you’re on track for, and help you spend less and invest more. I have clients bring me their old IRA, we leave it alone, then open a taxable account you will actually contribute to. That is when the management is worth it: when you’re adding to it. Otherwise you’re right, VOO and chill, why pay fee? You likely have PLENTY of good work to do. But that is the problem with the inexpensive brokers, Fidelity, Vanguard, they never push you. Their goal is to get you off the phone ASAP. Get a new client to sign up for management. No personal relationship. Unfortunately you get what you pay for in this world. You are likely in the most important years where an advisor is of most use to you. But most hire an advisor the year before retirement (this is advisors favorite client sadly) or at retirement when the income stops.
What minimum time frame would VOO start to make sense vs an hysa? Eg 6 mo or longer?
Just use SGOV for emergency cash and known large expenses in less than a year. After that just buy VOO on an auto weekly basis for as much as you can handle. Sell ONLY when there is an urgent expense to pay for. If you find yourself selling for other reasons, find a trustworthy pro to help guide you through it. That’s all personal finance is: spend less, invest more auto, don’t panic sell. You will learn more things, Roth, maybe Nasdaq, some may 7 you have convictions on. But it all grows on the foundation of buy auto and don’t panic sell. Best of luck!!
With your track record, VOO and chill.
To each their own. I've outperformed the S&P the last 5 years. First few years I blew up my account multiple times with options/risky plays. Now I do my own analysis and buy and hold. Largest positions are Google, RKLB, MSFT, AAPL, NVDA, Spot, Netflix and JPM. Most should just buy spy or VOO and call it a day though.
You'll likely want to take some market risk then. Low risk ETF's are likely your best bet, something such as VOO or SPY. HYSA's tend to offer a \~3.5% return. It's more or less guaranteed, but they tend to perform fairly poorly compared to equities. They're great for things like emergency funds - where you can't afford to take any losses, or if you're saving up cash. If you assume market risk (ie: S&P 500) - you tend to average significantly higher returns over the long term (average \~10-11% per annum). It's quite volatile tho. Here's a chart of VOO's returns over the last 5 years: [https://ca.finance.yahoo.com/quote/VOO/](https://ca.finance.yahoo.com/quote/VOO/) It's up \~77% over 5 year, and \~400% over 10. However during that time it saw several 15-20% dips. The idea is you invest the money that you won't need for a long time and just walk away / don't look at it. Over the long term you'll do better than a HYSA, but over the short term it's much more volatile. Drawdowns can last for over a year - but then are often followed by massive surges.
Well then you're due for a nice fat win soon. Or just call it a day and VOO and chill until you have a sure thing 🤷♂️
I’m 20 using my ira for just VTI VT and VOO. This is the opposite of aggressive would you tell me to stay doing this if I just add my 7500 a year
Another piece of advice, look into boggle head investing and just do that. Put expendable income into an ETF (many like VOO, VTI, etc) and don’t think about it again.
Except in this case the advisor WAS just as bad if not worse than VOO in 2018 and 2022 (down years)
You did lose out a lot, often 3-5+ percentage points per year compared to VOO. Year VOO Return 2025 +17.13% 2024 +25.81% 2023 +25.67% 2022 −18.43% 2021 +28.30% 2020 +17.73% 2019 +33.47% 2018 −4.83% 2017 +20.97% 2016 +21.06%
Hey everyone, looking for some outside perspective on my portfolio setup. I’ve been trying to move from randomly buying stocks into something more intentional and structured. **About me:** * 31 years old * Long-term strategy but targeting stronger growth over the next \~5 years * Stable income (\~$130k/year) * 90k in savings, 30k in 401k * Fiance makes 100k, and has about 100k in a 401k, and 45k in savings. * Comfortable with some risk/reward but not trying to gamble everything Right now I plan to take $40k from my savings to start my investing and plan to add $750/week consistently spread out to my portfolio. Here’s what I came up with: |Stock|%|Initial Amount|Weekly| |:-|:-|:-|:-| |VOO|22%|$8,800|$165| |SCHG|22%|$8,800|$165| |MSFT|6%|$2,400|$45| |GOOG|12%|$4,800|$90| |SMH|10%|$4,000|$75| |NBIS|6%|$2,400|$45| |ASTS|12%|$4,800|$90| |RKLB|10%|$4,000|$75|
Park money in VOO bro not a meme stock, how did a retard like yourself even come across 100K to play the casino with?
Well I guess all that's left is either gambling on 0DTEs until you're broke or VOO and chill
I bought 30 shares of VOO and im proud I havent sold them yet to gamble
Bud. Just buy SPY or VOO. You could also look into a "capped loss" etf but you'll probably overpay for tail risk protection (underperform your benchmark).
Average target price, an arbitrary number set by analysts who want access to management and thus are incentivized to give extra rosy PTs. Using PTs in any part of an analysis is just another way of saying you should only be buying VOO.
SPY is only for options traders because of the liquidity. for long term investors, VOO or IVV give you the exact same market exposure with 1/3rd the fees.
When I saw the stats, VOO did have higher returns. I'm not saying this without basis. Especially long-term. 5+ years.
It's just arithmetic. At a certain point you need to be willing to pick up a pencil and do the calculations. For example if you'd bought $1,000 of VTI at the start of the year, you would have $1,118 today, and if you'd bought $1,000 of VOO at the start of the year, you would have $1,092. I can use my math skills to calculate that VTI beat VOO by $126 in this example. So no, the math doesn't support your wild ass guess that "VOO would be doing better with higher returns." My advice is stop trading on "vibes" and look at the actual numbers.
but the thing is, unless you panic sell, that loss is not really a loss beacuse the market always go up eventually. And when it DOES go up, and we look at it the other way round, VOO would be doing better with higher returns, no? This is where I don't understand the need for over-diversification per se. Is it because most people WOULD panic sell? Perhaps it's a buffer against our own fickle minds? I'm only just starting investing with not the biggest portfolio so I still have a lot to learn and I just am kinda stuck on this part i guess.
I bought it many times after initial purchase. Same as I did for MSFT AMZN META GOOGL MA V AVGO and others. When I was working, I could only buy so much at any given point in time. Some people pump money regularly into SPY/VOO. I did the same but mostly with individual stocks and less weight towards ETF's. I'll give you some advice, spend your time and resource on learning what makes a stock go up over time and then how to find them. And not aruging with people who have achieved that. Good day.