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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
bought the dip on VOO when it went below 600. Loving this pump over the last week or so
If he is crying selling his shares it sounds like he is emotionally trading — maybe a good mix of VOO and bonds or a target date fund based on his expected retirement age would be a better investment vehicle for him.
Just saw your post in Suicide Watch. Please do not do ever think of suicide again! I lost half of what you lost through terrible "investments," now recognizing they were all gambling. Please seek therapy, seek out friends/family for support, understand life is more than money. You are smart and can make everything back. Just index investing from now on, only VOO or something similar. Your 130k can be 1M in VOO if 10% return every year for 22 years. I am going through this same thing but never had dark thoughts because of family and support. Every pain will fade over time. Time in the market and life is more valuable than everything else.
Regardless of whether they’re buying the top we see like the same basket of names being circulated around every stock subreddit constantly. It’s a joke at this point. If all you did was look at Reddit you would think your only choices are VOO for an index and NBIS and RKLB for individual stocks.
Or maybe the other way around— people selling the riskier assets (crypto) to buy more stable ETF (VOO).
I’ve put 102k in Merrill Lynch two years ago to have proffered status. It’s 168 now. 92k in VOO and 8k in Schwab because. Schwab returned 70%, VOO 60%.
You didn’t get defrauded but you got ripped off. It is well worth your time to sit down and watch some basic investing/finance videos. The emotions that lead to not wanting to do research cost hundreds of thousands of dollars at the least. You missed out on having $367k in a normal fund like VOO. 2.2 million if you used leveraged funds. But it’s better to have what you have then have lost it all. Second best time to plant a tree right? The broad conservative advice that anyone here worth their salt will tell you that a low-fee, broad market, US-based ETF has beat 9/10 professional investors over 10 years and that number approaches 100% as the time horizon increases. Check out r/bogleheads for more info on this theorem. The difficulty of beating a market index is such a consensus that it has a name, called beating alpha. Because of that there are many low cost SP500 funds to pick from, namely VOO. And honestly even that’s too conservative for me, I use leveraged funds because the market index is do solid. If I were in your position I’d put it all in SSO which is the ideal leveraged and least-sector exposed one. And honestly that’s still too conservative for me I dump my own money into TQQQ.
Yes get out now and open a regular account with Fidelity, Schwab etc as suggested above. Then go with conservative investments such as VOO or Berkshire Hathaway BRK -B. If you want to wait on stocks SGOV short term USA bonds pay over 4 pct annual interest. This is like holding cash + interest. International bond fund is BNDX, also over 4 pct, but I don't think the duration of the bonds is as short. The point is you can make $4K/yr this way.
This sub. But you will learn with enough time here that you probably should've stuck with VOO (or at least QQQ) the whole time.
Any other good stock subreddits out there? Stocks is just VOO VOO VOO smh
just make a fidelity account. move the money from edge to fidelity and buy some combination like 25% VOO + 25% QQQM + 50% VT
If it makes you feel any better if you invested that money into VOO/S&P 10 years ago, you would have about $430,000
VOO and VFV that's only the US market. This can be a good strategy long term but OP may want to consider something that covers the whole world like VT or VEQT (or XEQT etc)
Please read up on what Warren buffet said that is a sue loser. He proved why investing all your money in voo a low cost index fund is guaranteed to make more money than 99 percent of the worlds top hedge funds and look at the returns it’s true. He said only invest in individual stocks if you are someone like him who studies their business plans every day he reads 100s of pages but even then when he dies his will is leaving all his money to VOO
Open a Fidelity account. Link your bank. Setup a weekly buy of VOO, whatever you can afford. I started with 50/week a long time ago. Never rely on self discipline, set to auto. Always have an auto. Work to increase that auto. Sell ONLY when you have something urgent to pay for. That’s it. That’s all anyone truly needs to know. You will learn as you go. You will learn about Roth. You might even choose individual companies you like. Just remember to always have an auto. Sell only when urgent expense to pay for. That’s it. Best of luck!!
To keep it simple (no need to do anything more): If you are in the US, open a Robinhood account and buy VOO. If you are in Canada, open a Weathsimple account and buy VFV.
Some idiot assigned me on my covered call on $62k of VOO at 627.50. Its my Roth so im not paying taxes on it and i can just buy it back for cheaper this morning.
Open a Fidelity account. Link your bank. Setup a weekly buy of VOO or QQQM. As much as you can afford while still having an emergency fund. Never rely on self discipline, set to auto. Sell ONLY when you have something urgent to pay for. That’s it. That’s all investing and personal finance is. You will learn more sophisticated and optimal stuff. Roth. Max 401k, maybe some individual stocks. But always have a weekly. Sell only when you have an urgent bill to pay for. Do this all your life. After a few years you will see money is easy. You have to live through some down markets to truly get it. Never remove your weekly. I started with 50/week, now I do more than my monthly bills (I’m lucky to live a cheap life). Most will mess up the keep the weekly going during bad times, or they will panic sell (selling without having an urgent bill to pay for). Best of luck!!
Historically 10 and 15 year returns in the US market have been dismal when starting with CAPE over 30 — it is currently 40. Along that line, the major brokerage firms have been warning that US valuations are high and recommending a larger international allocation. So your plan is in line with the thoughts of people who do this for a living. It won’t be in line with this sub, which is a meeting place for *The Church of VOO and Chill*” It took QQQ **16 years** to recover from the last tech bubble.
The fact that you posted this on r/stocks instead of one of the degenerate gambling houses means your gut is telling you to put it into VOO
Go read /r/bogleheads. You can pretty much ignore anything else on reddit. You even have to ignore some stuff on /r/bogleheads when the market isnt doing well. The bogleheads.org forum is probably slightly more reliable. But the subreddit is great by reddit standards. If by indicators you mean technicals that shit isn't real. It's astrology for finance bros. The core of your portfolio absolutely must be ETFs like VOO. It is the only reasonable strategy. If you're worried about current prices that's fine because you should also be buying international funds like VXUS which are not insanely valued. And you can even get some stuff like US small caps which are also not insanely valued. Read /r/bogleheads. Read the faqs. Read one of John Bogle's books if you want. Also check out Rational Reminder if you like podcasts or youtube videos.
You’re actually in a good spot: big HYSA, lot of Vanguard, no obvious disasters. Main issue is you bought US large-cap like 5 different ways + a chunky NVDA/AMD tilt. I’d separate things: – “House in a few years” → keep boring (cash/CDs/short-term bonds). – “Retirement” → 1–2 broad funds (target date **or** VTSAX/VOO + some intl), not 6 overlapping ones. – Stocks like NVDA/AMD as a small side bet if you enjoy it. You don’t need a genius strategy here, just simplify and match each bucket to its time horizon.
You’re not doing anything wrong here. At your age it’s completely normal to be heavy in tech because that’s where the growth is and you’ve got decades ahead of you. The real danger isn’t being tech heavy, it’s being tech heavy without understanding why. If you want to diversify a bit, you don’t need to overcomplicate it. A simple global index or even keeping your VOO allocation a little higher already spreads your risk across everything without forcing you to research defence, energy, industrials and all that stuff. Healthcare is fine but you don’t need to chase it at all time highs. You’re young. You’ve got time. A steady backbone like VOO or VT and then whatever tech you actually believe in is more than enough. Most people your age try to pick ten different sectors because they think it makes them smarter. What actually matters is consistency, not holding every industry under the sun. You’re already doing better than 99 percent of people your age just by thinking about allocation. Well done !
You know if SPY ends up down 1% today, that’s okay. It was up like 3% last week. What’s not okay, is the stocks I’m in (NVDA and NVDA proximity) not pump with the broader market last week, but the second the broader market is red, they all dump 5-6%. I’m about to buy VOO and head to r/investing, this some bullshit.
Since you are young, you can spread the cash into VOO,QQQ and SMH equal parts and every month DCA in the same ratio.
I feel the US political system is less stable than I would like and US debt is getting out of hand. As such I moved an additional 5% of my portfolio from VOO to VXUS as a small move away from US equity.
True,Crypto is pure gambling. OP must understand and go for Index ETFs like VOO, QQQ, SMH or combination of these etfs.
Guys so if we all just buy VOO, instead of 0DTE’s, we can prop up the market 🤓. Then SPY will be 850 by Jan 1
I would max out your 401(k) and HSA contribution and invest in low cost funds (such is VOO and or similar instruments) given your age. I would also increase the amount in your HYSA. Stuff happens like an auto accident and you may need to the get a new car (that can drain your HYSA fast). If you have any debt or carry credit card balances month to month, I would not do that and pay those things off. But overall you are doing ok.
I’m not sure. Over the last 5 years, there is a 60-70ish% underperformance of IXUS compared to VOO. Over 10 years there is a 200% difference in cumulative returns between IXUS and VOO. It’s a huge difference. From a psychological perspective when things were shitting the bed in march/april, it was nice to have one part of the portfolio net even YTD or slightly up compared to the US market. It’s also hard to pinpoint the exact moment of regime change. I do see several compelling arguments for holding ex US assets (US AI bubble, US tariff, labor, fiscal, and monetary policy, cheaper valuations elsewhere, etc).
Yea they're both so low it's nearly indistinguishable, but money is money. Hold VOO
So-so correlated with an even weaker causation. Look at how many tips you see on "VOO and chill" - a lot of people are doing that, regardless of earnings. Money is there, it has to go somewhere, SP500 has a great track long term record, so it must continue. Earnings yield of VOO is right now significantly below treasuries, risk far higher, and people still buy equities. Then there are outliers like TSLA and memestocks, which are not touched by earnings. I am not saying VOO is as bad as gold/bitcoin, riding purely on self-reinforcing momentum -- but earning independant demand is definitely a factor.
I hit 7 figures in personal account this year. Do I “go big or go home” and try for the 3-5x from here, or play it safe VOO /r/investing style so I can help my kids with home down payments in 20 years
Given the delayed employment and jobs reports this month, isn't the game plan to go puts for most stocks? Seems like the logical play. Of course, quarter point interest rate reduction might ease the pain. But seems puts should run over the next 2-3 weeks. SPY, VOO... thoughts?
Your son a gey ber? Buy VOO for 20 year and forget
You can have more than one account for different goals. Who’s to say he doesn’t have a million sitting in VOO , GLD and Bonds . Not everything is done one way
Sell all of this crap and put it in VOO, and then stick VOO in an IRA.
That's what I do now. 100% in mutual funds and low-risk investments like VOO and real estate. I'm trying to increase my return by a lot which would add some risk. Crypto is risky but it has had huge returns in the past, so I might put 15% into crypto which might protect against if the dollar keeps over-inflating over the next 10 years. I have enough saved up right now where losing $80,000 in crypto won't be the worst but could make $300,000 in 5 years. But yeah, ignoring crypto isn't the worst idea.
yes, he would have been better off in VOO over all the years. but, how much does he have in CD's still matters. OP doesn't know so it's hard to say if the situation is completely dire.
The easiest to go is choose ETFs, VOO, QQQ, SMH and some bonds (TLT side), may be 25% each. I do not prefer crypto side, ignoring it.
Set up whatever is within your means / budget and pick an ETF like VOO or SPY that tracks the S&P. I personally like OEF which cycles the top 100 companies of the S&P 500 and I just buy it every week. Doesn’t matter if it’s $100 or $1000, just be consistent and don’t sell if you don’t need the money.
Try to convince your parents to at least let you invest in passive ETFs like VOO, QQQ, and VTI. This should be more than enough at your age. If they still don't allow, then save up as much as you can till you are 18. Great work so far!
Tell your parents you're only going to invest in broad market ETFs like QQQM, SCHD, and VOO. See if that will convince them.
If you really want to, put money aside until you are 18 then throw it all in an index fund. VOO and chill
Whatever you need cash, that alone sell. Whatever you plan to move to VOO, do not sell as selling forces you to pay tax unless you have some tax exemption limit. Paying tax is loss of your money for just moving from SPY to VOO, you are not going gain much, but potential tax loss is there.
So I was laid off over 7 months ago. I think it would be great time to sell as I have no income most of the year. Planning to sell SPY, keep some for emergency, some for buy VOO.
IRA maxed out annually in VOO for 15 years will get $200,000+
If this is in your taxable account, don’t sell. Just ride it out. I’ve got both FXAIX and VOO in mine because I couldn’t figure out at first if I wanted to go the mutual fund route or ETFs - ended up going the SCHG route but I don’t want any capital gains (however small at this time) on sales just so I can redistribute into the same kind of investment. Just moving forward put your money into your fund of choice and, maybe in a year or two, rebalance with the old stuff into the new.
Buy S&P500 index funds like VOO or SPY.
Thank you, I have some funds in VOO as well
Rebalancing between SPY and VOO is a great way to optimize costs and manage risk. You can decide the allocation based on expense ratios, fund structure, and your own investment preferences. For example, if you prefer a low-cost strategy, you might allocate more funds to VOO. A 50/50 split is a simple and effective choice that also helps diversify risk
Like 70% VOO and 30% VTI and chill man 😎
If you have 100k at 18 years old, if you invest it in the sp500 or VOO and reinvest dividends and don’t touch it until you are 65 it will be worth 2-3 million. If you wanna be an idiotic kid who can’t afford the bmw maintenance or the insurance (you’re an 18 year old male, that’ll be $$$$) then go ahead. Buy a new m2 that’ll depreciate in value the second you roll off the lot while not being able to afford the insurance and maintenance
Your idea is insane if these etfs are in a taxable account because you'll pay taxes for no reason. Otherwise in a tax deferred account it is just fair to middling as you'll pay less fees in VOO but since there is no difference you aren't really simplifying anything. Sounds like you have too much time on your hands.
And you know she doesn’t already have this emergency fund how? You’ve obviously never talked to someone who is 77 and still working. So your answer is invest nothing. Got it. Perhaps you should go to the r/notinvesting sub?? I’m making assumptions about her, sure, but they are from years of talking to these folks. The OP is not very knowledgeable. He speaks as if Roth is inherently a risky account type. This is all a mental exercise, if the actual 77 year old doesn’t seek help it doesn’t matter. Read what OP says. She does not spend. Money not spent should be invested. I don’t care if you’re 85. Set your beneficiaries, move on with your day. If she needs assisted living, and needs state assistance, they will make her burn through the accounts, whether they are VOO or HYSA. You don’t know what you’re talking about. Best of luck to you all.
Sell SPY to turn into VOO when there is a tax loss harvesting opportunity to do so. Otherwise leave it alone. Generally you sell when you have an urgent expense to pay for. That is not what you describe. Nothing is simpler than VOO and chill. And SPY is just VOO with a little higher expense ratio. It’s fine. SPY is good for covered calls and options in general. I doubt you have loss to harvest. Let it ride. Use new money to buy the “rebalance” you want. Best of luck.
The overlap doesn’t cause you any problems. Moving them to VOO doesn’t help with diversification. Selling cause capital gains taxes to be triggered. Just leave it as-is. New money you invest should just go into your new strategy.
What should someone do with extra money they won’t need for years do? The options are to continue to invest nothing (stupid). Hire an advisor to invest 800 a month in a balanced portfolio (pretty much a waste, not enough money). The purpose of savings and money doesn’t change because someone is old. This person could live another 20 years. You’re assuming she is on deaths door with zero reason to believe that, she still works (healthy enough to work). OP’s question is pretty clear. How should she invest the extra 800 she doesn’t need: VOO and chill is fine. Do I think she will: no. But the answer is still the same. Or what suggestions are you making? Spend the money? Hurry up and die already? VOO and chill, set your beneficiaries, set to auto invest. Sell when you have something urgent to pay for. $200/week. Move on with your day. Plan doesn’t change.
I'm personally not bullish on META, but I've never been, so obviously not the most accurate there. SNDK seems solid, and partaking in the compute hw buildup. However, I think you may have missed the main run-up (of course, nobody knows). ADBE I'm pretty skeptical. I think AI stuff (which they also do well) is going to shrink their market substantially. Like half the low-level graphic designers are going to be out of a job because you can ask AI to produce a logo and get something similar. ROBO is interesting -- I hadn't seen it before. I personally would say 5% for ROBO and VRT, 10% for SNDK and the remaining 80% in either VOO, QQQM, or VTI. Okay, this is your play money, so bump up the %'s in single stocks, but I'd personally look into other options or plays than ADBE or META. Some of it depends on what is going on in your main account, and how concentrated or balanced it is. I do think for "play" stocks, that you're hoping will explode, there are more interesting options (drones, quantum compute, space, cybersecurity, materials like uranium or rare earths). Be clear, it's gambling, but that seems to be what you want to do anyway.
> Overall, you can't go wrong. Go take a look at the chart for VOO between 2000 and 2010.
I agree with everyone else, and you likely know the VOO has a slightly lower fee. But only changes a line on your statement. For the tax part it would depend on your regular income, filing status etc. If you are married and earned $50k this year you might not owe anything extra. If you pay someone to file, ask them. If you do your own return, now’s a great time to figure it out if not for this event, for another one later.
Don't sell, just contribute to only one of them in the future. Incurring taxes is not simple or efficient. I would pick VOO as the one you are contributing to just because it has lower expenses.
I think i am glad i have VOO
Overall, you can't go wrong. VOO has been stable for three years. Last year, it gained 15.59%. My opinion: S&P 500 index benchmark. The reference index it uses looks solid.
No. that was my cash in 2000. After that I put my money in fidelity target date retirement account and Contrafund, but in hindsight I would have been better off with just VOO or SPY
True. I just want to share so young people buy VOO/VT/VTI/etc instead of listening to hot tips.
At a bare minimum, you should consolidate VOO and VFIAX in your Roth. I’d also get out of the target date fund; just keep your foot on the gas in equities and split it between growth and whichever fund you choose between VOO and VFIAX. Keep cash as is if you want to buy a house in the short-term.
My assumption is that this is *maybe* enough to justify the fact that buying an ETF like VOO still leaves you shockingly vulnerable to NVDA earnings. Sure you can go and diversify elsewhere, but at some point this feels like running for a different tree in a rainstorm for cover. I’m happy to include nvidia et all in my portfolio, but when damn near everyone including the conventional “set it to ETF and forget it” people are more than 20% dependent on NVDA’s success I get concerned. All it really takes is an investor run on some of these companies to reverse a lot of the gains. Will that happen? I don’t know, but the risk/reward isn’t worth it IMO. If they were beaten down some I might consider it, but at this point it is moonshot investing, not value investing. Consider me a hater I guess…
I prefer ETF to mutual funds. I do not want capital gains distributions from mutual funds. I would sell your first three and buy VOO and QQQ, then a much smaller allocation to IVES and GRNY. You need some financials. I own Goldman Sachs and NASDAQ the stock exchange along with Capital One.
There are tax implications though. I have well into the 7 figures portfolio with about 40% gain currently. Lots of different tickers that are part of VOO and VEU. But quite tech heavy. Same as OP, afraid to sell lately since usually when I did it was the wrong move. Any best practice on rebalancing into a more broad portfolio in a tax optimal way? I mean I have some ideas but it would be great to hear from others as well...
You have $170k in cash earning yield while your Roth fights itself. VOO and VFIAX are identical tax-twins, and holding a Target Date fund with individual ETFs defeats the entire purpose of paying for its auto-balancing strategy. VIGAX is just the expensive subset of the S&P 500 you already own. I'd consolidate the Roth overlap into VOO or VTI, keep the cash liquid if the house purchase is imminent, and stop complicating a simple game.
Should I just consolidate it all into VOO? Then put some in bonds and international stock...
At that age don’t do VOO for her self, SGOV is likely better as she gets money market high yield interest, low risk and good liquidity to pull the money out when sad one high ticket expense comes along.
She will have problems opening a n account online because of her age. It is a risk to the broker. But the plan should always be the same. Have emergency fund. VOO automatically and weekly, sell when you have something urgent to pay for. Crazy to seek volatility first time at that age. Best of luck though.
Honestly man as long as you put your money towards anything that’s not going to die by your retirement age you will be fine. Find stuff you want to put money in, when you’re a share holder in a company you are a partial owner. So what would you want to own? What do you think has long term value? The most important part of how you invest especially at your age is consistently dollar cost averaging into the market. Daily, weekly, monthly, etc. find out an amount of money you can consistently invest until retirement age. Most people do weekly or monthly. It doesn’t matter how much it is. Just put something in consistently. The idea is you don’t want to skip putting money into it at all, and the older you get hopefully you can increase what you’re consistently putting into the market. If you really just want to know what exactly to put your money into and don’t care about buying specific companies, just buy ETFs or indexes like SPY, SCHD, VOO, QQQ, etc. Regardless you’re doing well man. Don’t look for any get rich quick schemes. The goal is to set yourself up for an easy and hopefully early retirement. It will take decades. The market is a time game brother. The sooner you’re in the better.
You've taught me to pull out some $$$ OP. Probably anything above $200k will be put into gold or VOO or something...
90% portfolio VOO, DIA, QQQ Also sell puts and sell calls on Hood, RIOT and Tesla
My friend owns 0 stocks and has been buying crypto all year avging down basically, is fully convinced it's going to 10x despite being in the red and won't hear any criticism, also hates Gold Silver and Peter Schiff with a passion. I tried even recommending SPY or VOO and he won't. I just don't get it. He's deep in the crypto subs and discords I think it's just an echo chamber
VOO is definitely the gold standard (funny how it used to be SPY — but Vanguard’s taken over!). Sometimes VT. I’m Canadian and a recent popular index of the past while is XEQT — basically a diversified total world ETF but with higher Canada exposure than other world ETFs do.
Bro would probably be a millionaire by now if he VOO'd and chilled. lol Not as fun tho.
Agreed, in the case of managed ETF's. It's my impression that there are degrees of management, reflected in their different costs. My concern is that the less management, the less accountability to shareholders, especially in the case of fully passive indexes such as VOO and VGT, which I hold.
Invest in VOO, VTI or VT at first. no reason to over think it. Once you have $20k or so, then maybe you could consider other options, or not, you can just hold those and nothing else.
I’m all shares since May, i’ve boomerized myself as a long term good boy investor. Still have a good 2-3 stocks on my watchlist debating whether or not buy in. Portfolio is pretty much all VOO and SCHG, supplemented by probably too much in RKLB lol
bit ocoin is not a project. It is a business like any other. Some companes have large computers working through the complex math to mint bitcoins and sell the coins. Other companes will hold your bitcoins like a bank holds cash and charge you a fee. And ts hen there are investment companes. BTCI invests in bitcoin index and sells covered calls on the index. The profits from the call is payed out as a dividend. But to the volatility of bitcoin it has a high 25% yield. Bitcoins are treated a lot like gold by investors. So you could invest in IAUI which is equivalent to BTCI but it invests in gold. but i believe the yield is about11% If you want S&P500 and bitcoin. I would go with VOO and BTCI.
Be safe man VOO, QQQ, DIA
90% portfolio is VOO, DIA, QQQ
Keep it simple VOO, DIA, QQQ
An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies (about 10% by weight) https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO
If you do not plan to touch the money for 20+ years, then safe and efficient (the way those terms are usually used) shouldn't come into it, because over that span greater volatility generally means greater returns. I would thus be thinking something like QQQ rather than VOO or S&P 500 or even VWRL.
Forget about the "what you believe in" when investing and stick with VOO, which is an etf for the S&P500. For causes that you believe in, set aside some funds and donate to the project
For a truly "set and forget" ETF investment, I'd recommend using a major brokerage like Vanguard, Fidelity, or Charles Schwab. They're established, well-regulated, and have survived multiple market cycles. For your 20-year timeframe, consider a low-cost total market ETF (like VTI or VOO). The fees matter tremendously over decades - even 0.1% difference compounds significantly. Most brokers now offer automatic investments, so you can regularly contribute without lifting a finger. Also, consider using tax-advantaged accounts (IRA/401k) before taxable accounts for long-term holds. Remember to rebalance occasionally (annually is fine) even for a hands-off approach.
The S&P 500 (not SMP500) is an excellent core choice for long-term investing. With a 20-year horizon, you're positioning yourself well for compound growth. Consider a low-cost index ETF like VOO or SPY. For diversification, you might add: - 10-20% international stocks (VXUS/VEA) - 10-15% in bonds (gradually increasing as you age) Your Bitcoin allocation makes sense as a small speculative position (<5%). Just ensure you understand wallet security and storage. Most important: automate regular contributions regardless of market conditions. Time in the market beats timing the market, especially over 20 years.
Just throw it in ETF's, im sorry but you saying "Bitcoin is due to liking the technology" is generic and means you probs know nothing about bitcoin or stocks. Just buy S&P and VOO.