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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 • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
lmfao 75% allocation into VOO, something you're supposed to hold, and one of the safest blue chip stocks and you PAPER HANDED? ON ASSETS YOU'RE SUPPOSED TO HOLD. Imagine trying to actually trade or invest into higher volatility shit that doesn't "only go up". It wasn't leveraged. You literally had/have TIME ON YOUR SIDE. This isn't a tuition cost. You are literally regarded. Probably why your post has no upvotes lmao. You deserved to lose that money.
|Symbol|Company|Industry / Sector|Amount Invested ($)| |:-|:-|:-|:-| || |ADSK|Autodesk|Software – Design & Engineering|**$1,762.62**| |AMZN|Amazon|Consumer Discretionary / Cloud Computing|**$2,923.56**| |CCJ|Cameco|Energy – Uranium / Nuclear Fuel|**$2,059.31**| |COST|Costco Wholesale|Consumer Staples – Retail|**$1,766.52**| |MSFT|Microsoft|Technology – Software & Cloud|**$3,403.96**| |ORCL|Oracle|Technology – Enterprise Software|**$1,934.56**| |PSTG|Pure Storage|Technology – Data Storage|**$2,058.00**| |VOO|Vanguard S&P 500 ETF|Broad Market ETF (U.S. Large Cap)|**$5,727.60**| **I just invested about 21k into these equities. I have about 10% left in cash. I have about 5-6k on top of that to DCA. I'm very bullish on Pure Storage and Cameco. Wondering though if I need to diversify more out of Tech as this portfolio is pretty aggressive and I could see a scenario in which tech gets hammered this year. Although, I have a strong conviction in all of these companies and will DCA. ORCL kind of scares me a bit, but given the recent selloff I think its at a reasonable price. Thoughts?**
I guess it depends on when you plan to buy a house. If it's in the next 5 years you might consider putting a chunk of it in cash assets. If you go all in on stocks, stayed diversified with an ETF like VT. VOO if you don't mind a little more risk for possibly a better return. If you go fully invested you might have to put off buying a house if we have a downturn so you don't have to cash out when the market is down.
I’d recommend VUG which is essentially an S&P500 growth ETF, higher weighting on top holdings. I know that some people don’t want their portfolio to be super concentrated but it still tracks the S&P, so there’s more upside and more downside but long run I think it’s better than regular VOO. You could also do VOOG, or MGK, but these are very similar to VUG. You can also invest in a specific sector within the S&P500 such as XLK or XLY.
No. You won’t go wrong by VOO and chilling
invested 17 dollars on VOO then realized its a long term investment, fell for it award
That's fine too. It's such a small amount that it doesn't matter. Your income going forth will dwarf anything you do right now. As long as you put all your future savings into VOO/SPY.
Those are fine. Just put your cash into VOO or SPY. Maybe a bit into QQQ or an S&P 100 if you want a bit more risk.
It's an ETF (fund) that tracks the S&P 500 just like $VOO, difference being that it is Euro based and dividends are paid out rather than accumulating within the portfolio (ok I actually don't know whether the VOO is payout or accumulating)
If its in a S&P ETF, its not cash. You need to clarify if its actually cash or in an ETF. If its actually in a S&P ETF like VOO or SPY, then leave it there. If its cash, then put it into VOO or SPY.
Step 0 is to accept you cannot have it both ways. If you want a safe return that’s guaranteed, a high yield savings account or treasury bill is the way (and even that HYSA isn’t absolute - the APY can drop at any time). If you’re willing to take risk, you can invest in an SP500 index fund or a Total Stock Market fund (VOO or VTI). That _can_ mean loss of capital - you can wind up with less than you put in and if you’re only doing it for three years, there’s a greater than zero chance that will happen.
i have 60% on VOO/QQQ to not lose my mind, and 40% concentrated in max 3 potential moonshots: if one does it in a couple of years, i cheer, sell take my time and study for the next one. Working fine by me.
Most people would recommend safer investments than individual picks for 3 years from now. But also if you want to go individual picks why not pick tech? It’s strong. You could also go banking picks which are looking okay this year. Diversifying is prudent though. If you pick VOO you’ll have a less tech heavy mix than something like qqq. I think VOO is a nice safe zone
For a 3 year timeline you might want to consider some index funds instead of individual stocks - VTI or VOO could give you broader exposure without being too tech heavy. Individual stocks can be pretty volatile over just 3 years and you don't want your house fund taking a big hit right when you need it Maybe do like 70% broad market ETFs and 30% in those individual picks if you really want some stock exposure
Guys have you ever considered dollar cost averaging into VOO?
Pick one of these for now and just DCA into it as often as your finances allow (meaning you have 3-6 months of cash for emergencies you don't touch, everything in excess of that, after expenses, you should invest). 1. VOO 2. VTI 3. VTI + VXUS 4. VT
Thank you for your response. VOO is a Vanguard ETF that covers just the S&P 500 whereas the VTI ETF I bought into covers the total stock market. I have wondered whether I should have gone with VOO instead of VTI. The main factor in my decision was the price point. VTI was more accessible to me financially in order for me to consistently invest and save money long term. VOO is roughly 82% of what VTI is, so it felt very similar. Comparing annualized returns with the links below show they are almost identical, so I’d be curious if annualized returns did VOO specifically between 2018-2026 are indeed that much better compared to VTI. https://finance.yahoo.com/quote/VOO/performance/ https://finance.yahoo.com/quote/VTI/performance/
Many more have missed and lost a lot. One of my buddies has been day trading since the .com bubble. Always bragging about certain stocks he made it big with. Similar salary as mine. Here 30 years later, I have twice his portfolio value. VOO is basically the bulk of my holdings.
Fidelity. Setup an auto weekly buy of VOO. Whatever you can manage. Then work to increase that amount. I started with $50/week a long time ago. Now I do as much as my monthly expenses. Sell ONLY when you have an urgent expense to pay for. That’s it, that’s all personal finance is. Spend less, invest more auto, don’t panic sell. You will learn a ton more, but it all grows from that basic principle. Rome wasn’t built in a day, doesn’t need to be. But get started today.
So you managed pension funds, and ask Reddit about how to invest? Man I hope you a bot. For the good of the world. Just VOO and chill. You must be some of the fanciest panic selling market timing language I have heard in a while, I will give you that. God be with you.
You are young, get Robinhood. The other apps suck and we live on our phones not a PC. Make your long term investing automated. For investing it really depends what you are investing for. If retirement, open a Roth and set up a recurring monthly buy of an etf like VOO or VT. For medium term you can do a brokerage account and do a managed Robinhood strategies account. It allows you to enter time horizon and risk, then it manages funds for you.
PS: The reason VOO is only up 3% for you is because you invest in EUR and VOO lists in USD. The dollar dropped about 10% vs the euro.
Go to r/bogleheads. Also check out r/FIRE which basically answers your question of whether to cash out. TLDR you don’t cash out until retirement, which you can afford if you are only drawing about 4% of your portfolio each year. In this strategy, most “bogleheads” follow a “3 fund portfolio” strategy or simply buy VTI or VOO and forget about it. You are doing it right, there is no reason to sell unless you are trying to buy something you can’t afford This sub is mostly for speculative investing and get rich quick schemes.
100% VOO is reasonable. I use a global tracker so I'm not solely invested in the USE, but this has underperformed Vs the S&P over my investing life so far.
If I did stocks I would pick MSFT, AMZN, NVDA and PLTR but I like VOO and QQQ. For 20 years I would go VOO but keep in mind IGV should do well and also AI energy companies should move in 2026.
PHYS, SETM, SLV, QQQM, VYM. There’s tons of great options other than VOO. I’ve been investing in PHYS since 2018 and best decision I’ve ever made
Stick to VOO, add maybe 10-15% international (SPDW), and for fun choose a couple individual stocks or thematic ETFs to make up 5-10% of your total portfolio. Avoid precious metals like gold, crypto, AI funds, and options. You're doing great. VOO is fantastic and it will continue climbing.
Finally invested today: On my brokerage account: Vanguard 500 Index Fund Admiral Shares in the amount of $100,000.00 On my IRA account: Buy $50,281.08 of NVDA at Market (Day) Filled at $187.855, invested 50% On my Roth account: Buy $19,842.82 of NVDA at Market (Day) Filled at $188.20, invested 100% On my 401k account: Already invested $30k in VOO, continue max 401k this year Projected 2026 contributions $27,799: Myself: $24,499 / Employer: $3,300 DCA 10k into VOO bi-weekly twice a month. Solo-work for $1000 extra cash flow each month to make up my expense. Hopefully I can gradually catch up!
Schg is better than VOO, it’s essentially VOO with more emphasis on tech, has outperformed VOO over last 15 years
Bro this is what im doing now xD funny you say VOO thats exactly what I have. I been in op shoes but I turned 10k to 400k and then 0. Now I invest in VOO. Thought it was easy money, no they will claw it all back eventually
Bro xD just invest in index fund. Please. Stop gambling. Every one of us has been there and done that. Dont go back doing the same shit and blowing your account again. I went from 10k to 400k to 0. And now investing another 50k VOO. I aint touching options. You will get burned in the end. You aren't going to beat hedge funds or bots.
Best to start with ETFs like VOO. Investing in crypto is more akin to gambling.
Its ok man maybe it's time to just buy and hold VOO and turn that labubu around and BAP BAP BAP BAP BAAAP
You don't learn anything dumping in VOO and forgetting.
I'm sorry... are you saying you started with 110k and after 10 years you're up $200? While you could have dumped it in VOO and been up roughly 230k?
I mean, I probably wouldn’t hold an individual stock with only the idea that I wanted to put $10k in and “forget it.” I actively manage the individual stocks I own, even in my retirement acct. The exceptions are VT and VOO. If you want to forget about it for 20 years, personally, I would do VT and be done. It’s a bit soon to say, but if pressed, I’d probably do something like BRKB to ideally lessen risk during crashes but I would also be paying attention to what it’s doing quarterly *at minimum*. I also own GOOGL and I plan to hold that for the foreseeable. They’re a lot more than just Google. That said, I bought it quite a bit lower so I benefitted from their run last year.
Yup! Haven't made the mistake of bailing like I did with most of ASTS. It does make my portfolio wonky as all hell as day to day swings can hinge on RKLB despite my having put far more into VOO and others. Up 8k today, for instance. Being down the same is something I've seen as well. Because of that, I try to track the other investments and ignore RKLB. It's just something I spent 5k on and we'll see where it is upon retirement. Was really lucky, and owe it to Reddit, strangely enough. My other investments are tame with some swings here and there. VOO, VFIFX, GOOGL, AMZN, BRKB, WMT, etc. Recent swings were a couple hundred shares of SOFI and POET. CPRN has a really good dividend yielding preferred stock that I feel safe about for the next decade or so. But I'm just a guy with a high school diploma and nothing else, so I'm far from having any expertise. I didn't even start investing outside of my 401k until I was 40. That was 3 years ago, and the market has been kind. I'm expecting to watch it drop similarly before I retire, but as long as it doesn't plummet beyond what I've put in, I feel a lot better than when I was just putting extra into my savings for 20 years.
ETF’s… I’d do 70% VOO, and 10% each QQQM, SHLD, and QTUM. If I had to do sticks I’d do too big to fails: MSFT, META, APPL, GOOG, NVDA.
If you're asking these kinds of questions, the best vehicle for you is likely index funds. VOO/VTI. I know you probably won't take my word for it, and that's okay. I'm not a financial advisor so you probably shouldn't. But I would recommend at least keeping the majority of it in a broad market index fund. And starting with a small satellite portfolio (5-10% max) of your most high conviction positions. Start small so you don't lose big. Maybe look into dollar cost averaging If you're looking to buy and hold long long-term.
Put half in VOO and play with the rest. (Or GOOG or AMZN)
Put your money in SPDW and SCHX or VOO and you'll be chilling come the end of 2026 brother
I VOO and chill so once a month when I buy shares.
It's a mix. LEAPs are wonderful. The Wheel is okay, but careful in a bull market... The real ticket is 'go massive' on shares. YES. If you want to own 100 different companies then you're better off just VOO'ing and chilling. Or buy SPY and shut the fuck up. If you are selecting shares, you need to be of the belief that you have identified an underpriced company or that you see a rotation into a certain sector coming on hot. Otherwise why the fuck would you even waste the time and risk losing when statistically most of you aren't going to beat the market? I'm over $500K and win because I have a vision that keeps panning out. Also, stops exist. Don't be a retard. Good luck.
Putting $10/week into VOO and QQQ as a “baseline” beyond normal investments. Not 27 a day, but it’s something.
small amounts each week. ideally, it should be reversed: 70% in VOO.
VTI and chill. No really, I didn't know how to invest or what to do with stocks or an IRA and had no one to teach me, so the 30K I saved up in the USMC ended up being pissed away on living expenses when I could be retired right now in my 30s. Put all of your pay into VTI/VOO and literally coast to the finish line. Work on a trade skill or your general education college credits while still in.
Im in my early twenties and have 10K invested (8k in VOO & 2K in VT) done through Robinhood. This new year I recently learn of the power of Roth IRAs and im kinda upset that I didn't utilize them sooner. (Btw, I have Robinhood Gold. In other words, I bought Robinhood gold without using literally their best feature of a 3% match to IRA contributions. Dumb, I know). I missed out on the 2024 year and thought I missed 2025 as well until I learned I have till April 15th to max it out. But that means I have to put $7k into the account in 3 and a half months (\~$2K/mo). I was (and still am) fully resolved to max it out however I could, especially since I take more than 25k per year after expenses (\~$2K/mo). That was all until I realized that couldn't I just sell off some of the stocks in VOO and VT in the individual account, put them in the Roth IRA and rebuy either VOO or VT? Would this be a wise decision or and I missing something crucial (like fees or taxes)? Should I just dedicate my paychecks to my Roth till April? Any feedback would be appreciated!
As a european, he is looking at the Chart in Euro. Usd lost 13% or something like this to the Euro. Even with stock prices being at an ATH, an european investor didnt really make money investing in VOO.
Why is it so difficult for people to invest? Just buy VOO or VTI and never watch any fucking YouTuber telling you to buy this and that. Don’t get greedy. Just buy VOO and let it grow over time
Silver/gold/plat guy here to all the VOO and chill bois that talked mad crap to me all year about precious metals. EEEEEEEEEEEEEEEEEEEEEEEEEEEEEFFFFFFFFFFFFFFFFFFFFFFFUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU!!!!!
Nope I got clapped! No more day trading, back to VOO and chill, good luck fellow retard.
lol i watch my sister fuck and i don't even VOO
VOO if you're comfortable with the US always being the world economic leader, VT if you want to come out on top no matter if some other nation starts rising up. If you put it in a Roth IRA, the earnings are able to be withdrawn tax-free at 59.5 years old. You'd be gifting her $100-$150k for retirement. (in today's money) She can withdraw the principal (not the earnings) before then if she really needs it for college or something.
Good analogy thank you. When we asked to move the IRA work fund we did not control the date or what the $ they rolled over at transfer to Vanguard...or maybe we should have sold first....I don't know Now the S&P VOO is so high.
My brother, heed the sages advice. You are gambling and got lucky. VOO and chill
I do have a part time job and yes I was definitely thinking of a used car but I thought I could finance it so I could build credit would that not be a smarter option that to outright buy it? Also I am throwing about 50 a month into VOO on top of what I already have
VOO and QQQ are great place to start. Brokerage account in their name is pretty simple to setup. Good work preparing her for future success
Sorry to hear this. So you don't have much savings and instead of VOO you decide to gamble with options? Time to get back to the drawing board. Analyze your mistakes and hopefully you fix for next time. Did you chase losses? Did you invest in hype stocks rather than find long term investments? This is the time to take a good look in the mirror to own mistakes made and learn from those mistakes to avoid losses in the future.
VOO is for long term growth. If you are both retired, can you risk a big down year or years? VOO dropped 18% in 2022. It took VOO 19 months to recover from that. In 2008 it took VOO 65 months to recover from the Financial Crisis and when the Dotcom bubble burst in 2000, it took VOO 80 months to recover. Look at SCHD or VYM
VOO is almost always near or at its all time high. Assuming you’re planning to hold for years or decades, you shouldn’t be worried about short term price action. Just buy ASAP and never sell.
>If we see any indication that the US economy will not be as strong as other countries then I will add some allocation to international. The economy and stock market aren’t the same thing, they may even be negatively correlated in some ways: https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1745-6622.2012.00385.x 2025 already favored international over the US by a good amount. How long will you wait? >I don’t see that happening anytime soon considering we introduced tariffs to 30+ countries and VOO is at all-time highs. https://testfol.io/?s=as8OnsqGGRH that compares returns since "liberation day" (the big tariff announcement day). Both the US and international were positive, but international was more so. * The US was only the 4th best developed country to invest in from 2001-2020, 5th if you include Hong Kong: https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/ (archive link: https://web.archive.org/web/20240527200134/https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/) or shifting that to 2002-2021 drops the US to 6th (and a proper 6th this time, as Hong Kong dropped further, to 10th): https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp or if that doesn’t work: https://web.archive.org/web/20250422033628/https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp
That makes sense what you’re saying. However I’m going to stick with the hot hand. If we see any indication that the US economy will not be as strong as other countries then I will add some allocation to international. I don’t see that happening anytime soon considering we introduced tariffs to 30+ countries and VOO is at all-time highs.
VOO is about 20% of my portfolio and I add regularly. I need something to keep my portfolio afloat while I make regarded options plays.
What is this /r/investing? What'll you say next, just sock money away into SPY/VOO and in 40 years I'll retire rich?
It looks like VOO has a bit of all that within it. VOO and chill.
Down market is when the most money is made and you don't even have to be that clever. Start by buying some VOO and then pick a few companies you really like to BTD in. The hardest part is nailing the "bottom" in individual stocks imo. When the market is exuberant like it is now, hold more cash, and when stocks are dead, hold more stocks. You'll know it's time to hold cash when being in cash feels painful. Similarly, own more stocks when everyone is bragging about their cash positions. You should always be prepared for at least a 20% drawdown and at most 50%. Historically we don't get more than 50% afaik. In a bull market your port grows exponentially and in a bear market it does the same... But in the wrong direction.
If you want to keep it simple, leave 50% in SGOV and put 50% in VOO, then rebalance once per year. This is a legitimate long term investing strategy with great risk-adjusted returns. It's called the couch potato portfolio. Look it up.
I think it’s becoming more and more critical to diversify. Diversify internationally, hold some gold and silver, hold some value funds. Don’t just put everything in VOO.
I have a degen account, and a VOO, AVUV, VXUS, QQQM account at ~50, 10, 15, 25 weights account. Exposed to US large and small with the ability to re-weigh easily, as well as to international stocks. I know QQQM is a lot of overlap with VOO, but I’ve got 45 years and want the added tech exposure.
VUUA or SPYL vs VOO reason for difference is the usd/eur price. Basically it is the same and for you in EU is better to have eur accumulating etf like spyl.
Same as they were for 2025. HEI, BRK.B, F, WSO, COST, and VT (last is not a stock, obviously ... I moved out of a couple individual stocks and into that last year). I did not beat the S&P500 last year (16.8% vs. 17.something) but I usually don't in big up years. I tend to be crash-proof, though (e.g, in 2022, I was up 3% while the S&P500 was down almost 20%). I'm still beating VOO CAGR by about 2% over the last 17 years.
VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi
You can add some international exposure if you want but VOO and chill is good enough. I like FSPSX for international but VXUS is a popular one
For VOO and Chill to work you need to just step 1. Keep investing in VOO. 2. Keep chilling. If you keep asking about step 2 you are failing at the chill part. I am working with a fund that is part VTI and part VOO. I just keep throwing money in there and walking away.
Do not buy VOO if you live in the EU, it will be a nightmare tax-wise. Buy only “UCITS” etfs. UCITS etfs similar to voo are these ones: https://www.justetf.com/en/how-to/sp-500-etfs.html I personally have the SDPR accumulating S&P 500: https://www.justetf.com/en/etf-profile.html?isin=IE000XZSV718 Lastly, my recommendation would be to buy an all-world etf, this way you have a bit of diversification and aren’t going all in on the US. I have this one: Invesco FTSE All-World UCITS ETF Acc – https://www.justetf.com/en/etf-profile.html?isin=IE000716YHJ7 Good luck! If you want to find more ETFs, JustETF is a pretty good source for European investors.
VOO and no bonds until you’re about to retire
100% true. I’ve panicked and sold when I was younger and absolutely regret doing so. Nothing I’ve ever put together over the years in terms of a portfolio has beaten the sp500 index. I’m not doing bad, just not as good as the index. Jack Bogle is the one true lord and savior. He spoke this truth and didn’t charge a penny for the “knowledge”. VOO, chill… until you hit your mid 40’s and then break out into bonds, bills to soften exposure as you age.
You’re learning to loose money. VOO and chill.
I’ve heard VOO isn’t very good for EU citizens, is that true?
Thank you! I ended up rebalancing so I have more in VOO now and took out my initial investment in NVDA but kept my gains in.
As others have said, with only a 3 year time horizon do not invest in stocks. Just stick to a CD or a high yielding moment market fund. However, I don't know if you have an IRA for retirement or not but if you don't, this is a great opportunity to fund it and that I would put it in the stock market with VOO which is a S&P 500 index ETF. The S&P 500 invest in America's 500 largest blue chip companies like Walmart, Microsoft, Apple, Coke, Johnson & Johnson and MMM for a few examples.
Yeah, honestly, probably still VOO and chill. Every time there’s global tension or a headline scare, the “maybe I should buy X defense or Y energy” instinct kicks in — but those bets almost always lag or get timed wrong. VOO just keeps doing what it’s supposed to: track the market, compound quietly, no drama. You’ll never nail the right moment to rotate sectors anyway. If you’re long-term and still believe the U.S. economy keeps grinding forward, it’s hard to beat “set and forget.”
You didn’t read my comment or what? The ONLY case I mentioned is the stock market going down. I said “so what” to that. Thats because you don’t need $250k to buy a house. Most people don’t need half that unless they’re wanting to do series remodel or foolishly put the entire amount down. OP can have a house runs baked inside of her retirement fund of VOO that could be any water from $50k to $150k of the total $240k. That allows OP to both start a great retirement fund AND have more than enough for a house EVEN IF the market crashes. If the market goes up, that’s just a cherry on top.
It all depends on your tolerance for risk. Your advisor's recommendation is the cookie-cutter "safe" bet - there's very little risk of losing your principal, and you should have ~$280K in 3 years. This also very much helps your advisor, as his company would gain $250k in investment capital. However, I'd argue that 3.73%/year (or ~11.7% compounded total return) in the current market, for someone of your age and profile...is not in your fiduciary interest. 2022 was a rough year, but the S&P500 (or approximately VOO) has returned 80%+ since 1/1/2023. VTI, which includes international companies, has performed similarly. This has been a historic "bull market," but your $250k could conceivably grow to $400k+ in an index fund like VOO/VTI if the market stays hot; even if we revert back to historic norms of 8%/year your $250k could grow to ~$315k.
XMAG -- your cost is going to be substantially higher though. .35 vs .03 with VOO. I know there are some other that equi-weight sectors. RSP is one I think and it looks like the expense ratio is .2 VTI is supposed to be more balanced with an expense ratio of .03, but even that tech is 32-ish percent.
VOO top 10 holding compromise a majority tech, and of that top ten, 38% of the fund is those tech stocks and much of that really is AI. As much as I like the SPY/VOO/VTI and chill, there is an implied narrative that this is diversification. It is not diversification. I think this lie is going to be a major market mover if this bubble ever pops.
If you are saving for a home, I think that a high yield savings account or CD are both good options. If you are looking into investing some cash, an ETF like VOO or SCHD might also be something to look into.
"Just VOO and chill bro" - 80 IQ Redditors
Yes. If you already have enough know how, you can start buying individual stock to maybe build up a dividend portfolio but the foundation is VOO. You need to do enough research like dig into 10-Q and 10-K reports from companies to really determine if an individual stock is right for you but if you want to start branching into maybe dividend investing, it takes a bit of study.
At your age, put 90% of your savings in VOO every paycheck. 10% in something you think might do very well long term. OR 100% in VOO. Do that for the next 20+ years. It’s that easy, and that hard. It’s very easy to do, but most people lack the ability to do something so simple for so long.
$100k, VOO. $1m? Close to the point where I'd self manage 80%/dump 20% in VTI. Then again, I like that stuff. If you don't, continue VOO. For my self managed; again 80% of that 80% is spread across my favorite 3 companies in each sector across the 11 sectors, re-evaluated quarterly. Companies that are winning, tend to keep winning. 20% is in LEAPS, other stocks I like but don't want a full position in, etc
Go for an ETF - EQQQ/QQQ, WORLD, or a VOO. You could buy single-stocks, but since it seems that you’re relatively new to the space, you’d probably be better off buying an ETF, except you want to put in the work and do some analysis
Basically ETFs and individuals on the side. I have been bullish on tech since pretty early on, with QQQ. I do have some VOO and IJR (small cap) but also have individual stocks. A few stocks that have done well: ASML, KLAC, I rode PANW from like 2021 and just exited. Rode SE all the way up over a few years and sold near the top (I saw a kid in a remote part of Central Asia playing free fire years ago, googled it, read a lot, and got sold on the company). Stuff like that. Moving forward, I’m working to broaden out sectors because I think AI profits will now be found in growth by regular companies that use AI, and I’m adding precious metals miners. Adding a biotech ETF. Just read and listen a lot. I religiously listen to Odd Lots, The Compound, and Marketplace on Fridays, and read The Economist almost cover to cover. Basically my financial and equities worldview is shaped by those quite a bit. People say “you can’t time the market” but so much of the market is based on whether the world anticipates rate hikes and cuts, bonds up or down, etc. Just following that news closely and shifting your DCA plan around can make it easier to beat the S&P.