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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
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.
Depends on the stock. I don't have a lot of confidence in Apple as a growth stock over the next five years. AI is the big tech right now, and Apple doesn't seem to have any big AI plays in the pipeline, other than trying to enhance existing apps with AI features. As far as hardware, I can't imagine Apple is cooking up any surprises there, either, in the next five; just boring old annual speed bumps. I feel like Mac OS and iOS are to the point that they are becoming over-enhanced; that is, Apple is fixing things that aren't broken, just to have their regular system upgrades. NVidia and Amazon are good AI plays, as are Google and Microsoft. But if the $20k is all you have to play with, I would probably invest it in an ETF. I'm really liking SMH right now, or you might prefer VOO or even VTI.
It's a simple arithmetic question. All you need to do is sit down with pencil and paper (and a calculator, if you need it) and do the math. For example, hypothetically imagine that Apple stock drops by 10%. Apple is 5.74% of VTI, so if you have $1,000 worth of VTI and Apple drops 10% then you lost $5.74. Apple is 6.47% of VOO, so if you have $1,000 worth of VOO and Apple drops 10% then you lost $6.47. $6.47 is more money than $5.74, so now that we've done the math together, does it make sense why VOO was more affected than VTI by our hypothetical 10% drop in Apple stock price?
The market can stay irrational longer than you can stay solvent. This is why nothing beats DCA index fund like VOO/VXUS if you don’t want to play stupid game but don’t want to be left out either like me
So. I think, tomorrow I'll have broken the mystical $100k barrier in my portfolio. Now what? Supposedly it only gets easier from there as it grows but what am I supposed to do with it? Put it all in VOO? I'm planning for literally nothing changing, but supposedly, it's a milestone. I guess?
How the F did you know back then it will go up so much I had money since then but invested in VOO and shit
VOO and SPY is completely redundant. In fact, VTI/VOO/SPY/QQQ is probably redundant too. You're just overweighting yourself into tech instead of diversifying. I would go anywhere from 90/10 to 70/30 VTI/VXUS depending on how you feel about the US economy long term. Throw in some bonds if it will help you sleep better at night when the market tanks 20%. When in doubt, KISS.
VUG and chill. or VOO and chill. or something like that.
VOO/VTI/VXUS and chill for me
Sure. So let's push it a little further. I picked those numbers because VOO has been bouncing in that range for the last month. I also picked 2.6x growth based on a 10% averave growth. Let's say you have $1000 to invest, and can buy partial shares. At $640/share you'd get 1.56 shares. At $630/share you'd get 1.59 share. Now let's say in 10 years those shares are worth $1650 each. That difference becomes $2,574 vs $2,624 or $50. Does it make a difference? Yes. Is the difference really that big compared to your gains? Not really. Now here's the other issue. Let's say you really want that extra $50. So you tell your brokerage to wait until VOO hits $630/share. Then something happens, it jumps up to $700/share and doesn't come back down. You just lost out on $640/share. TLDR, There's pros and cons either way but over the long term DCA is very effective and much easier than micro timing the market.
Hello! Hoping for some feedback on my Roth IRA. Did it backdoor. Here is some background: 47 years old in the U.S. Want to invest for long term/retirement 300k annual salary No major debts except home mortgage Risk tolerance: low to medium I started small (about 7k) and bought the following: VTI VXUS VOO SPY QQQ I think there is some duplication and overlap in here. Any thoughts on an appropriate percentage or elimination of some of these? About to do another backdoor Roth and want to make appropriate adjustments if needed. Welcome your thoughts! Thank yoh!
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?
Invest in VOO and if you want to be more active look around for a while and see what you like ir believe has a good future. Also check out WSB and see how easy it is to lose your money.
Never. In my opinion, financial advisors are only needed for people who are financially illiterate. If you take the time to educate yourself and learn how money works, financial advisors are a waste of money. I say it only makes sense, if you have an abundance of money that you cannot track yourself. There are ways to invest with minimal effort. Just opening an account and buying VOO is one way. There are many many ways in which you don't have to pay someone.
Still love this place but I'm out of the game for the foreseeable future - been raped by the market too many times. I'm Mr VOO and chill now. (Actually I'm the Australian version - IHVV on the ASX - hedged VOO). Ended about 8 months of trading very slightly green - as in just a few grand ahead. Feel a bit lucky compared to some, but wasted a lotta time for that tiny gain.
Terrible analogy. You can achieve competency in basic investing with very minimal education. At a minimum just learn how to open a brokerage account and buy VOO. You can ask a friend or pay a financial advisor for a few hours of help. It's easier than managing a checking account.
ngl i'd probably just dump it all into VOO and forget about it for a decade. trying to pick a single stock is a great way to watch your money do a magic trick and disappear. my buddy was convinced he could beat the market with some EV startup pick in 2021. let's just say he doesn't talk about his portfolio much anymore. actually, curious—what's the one company you think is so bulletproof you'd go all-in like that? i feel like the obvious answers are the boring ones.
You don’t need to unless you’re over $10mm net worth. Some institutional investment opportunities open up at $2-5m minimum investment. They may also be helpful for abroad LLC structuring, family trust structuring, inheritance structuring, single member LLC tax consulting etc. If you’re not a (multi)millionaire, you can probably just VOO OR VT and chill. sp500 index funds (like VOO) have consistently returned 10-15% in the last 2 decades. Fees (expense ratio) are like 0.03% a year. That means you pay $3 for every $10,000 invested per year. Find me an advisor who can beat these rates and I’ll sign up with you
ngl i'd probably just dump it all into VOO and forget about it. tried picking individual stocks for years and my portfolio looked like a graveyard of bad decisions. my buddy did the same with apple back in like 2015 though and he's basically retired now. what's your reasoning for wanting to pick a single stock instead of an ETF?
I have a portfolio that’s all VOO But I have another on a platform that’s like 80% semis but I’ve had all those positions for a pretty long time (quite a few 10 baggers) so I literally don’t care about volatility. Held them for years going to keep holding them (ex AMD at $12, MU at $32 etc)
If you were 20 something today, and chose a 2060 TDF, it would be in 91% stocks. I don't disagree that early in your life 100% VOO is smart(it's what I did when i turned 30). When you're 4 years away from retirement, you need to consider things like sequence risk. Older people could do a lot worse than a TDF. I tend to think they are a little conservative for my taste, so I usually choose one 10 years past my retirement date, so in my case 2040. My TDF was up 18.78% last year, which compares favorably to what VOO did last year.
TDFs are garbage if you were straight VOO over the last 30 years vs a TDF over the last 30 years you’d be off by 130% or more. In all the major crashes TDFs fell just as hard and in some cases took longer to recover. TDFs are the most moronic investment for anyone who even knows how to sign in to their retirement account and elect a new investment
First time posting here. I am 28 years old. I had set aside $200K for a real estate deal which is now dealt with. I'm looking to move this money into the market now. **My financial snapshot:** \- Fully funded emergency fund \- VOO: $72K \- Gold: $65k (this includes physical and ETFs which have appreciated to this number) \- BTC: <1000$ \- Investable cash: $200K I'm looking for a long term, high growth portfolio and would love to hear your arguments and opinions. 1. Lump sum vs DCA with the $200K. If DCA, over how long of a period of time should I invest it? 2. International tilt: As I am currently invested solely in gold and S&P 500, should i be focusing on international indexes and should my tilt be around in terms of percentage of portfolio? 3. Gold is a significant part of my net worth (15%). Should I rebalance into equities or just keep it as a hedge? 4. Curious to see what you would do in my age Thanks everyone. I am kind of new to investing especially with such amounts. Would definitely appreciate if you could explain your positions.
For the first time in how long? I kept an international portfolio for a decade and it was an absolute dog. I’m not going to be betting against the US anymore. I went all VOO.
So here's the way I understand it, the extra 3,000 companies in VTI give you exposure to smaller companies that haven't made it yet. The theory behind this, is that you're casting a wider net and catching future winners early. Those smaller companies make up somewhere between 18-28% of VTI depending on how you measure it. So it's not a tiny slice, it does actually moves the needle. And historically, that has paid off. I went all the way back to 1972 (cause why not) and, VTI has outperformed VOO over the long run because smaller companies tend to grow faster. This is cause of the the size risk factor premium. The catch is they're also bumpier to hold. But within the last decade though? Large cap tech like Apple, Nvidia, and Microsoft have been so dominant that VOO actually edged ahead. So it really depends heavily on which time period you look at. Bottom line as I see it, VTI has the stronger historical case. VOO has had the better recent decade. Neither is a mistake.
It’s not really the number of companies. It’s that S&P500 is all large companies, whereas VTI has around 20% mid caps and 7% small caps (might be out of date). Each of these small companies amounts to a very small fraction of VTI, but lumped together, they outweigh Apple. Anyway, VOO to VTI is pretty academic. The real diversification is VOO to VT, which is nearly 40% non-US. Other countries’ stock markets are less correlated to the US stock market than US large caps vs US small caps. Or diversification to bonds and other non-stock investments.
$500 a month at 20 is a great start. One thing though, VTI and VOO have a lot of overlap. VTI's top 10 holdings are 33.7% of the fund, VOO's are 38.4%, and 9 out of 10 names are the same. You're basically doubling up. I ran all three through my fund analyzer and they all come back A+ STRONG BUY. Both VTI and VOO score 100/100 with 0.03% expense ratios so you really can't go wrong with either, just pick one. SCHD is the one doing different work in your portfolio, 3.51% yield and the top holdings are names like Lockheed Martin, Chevron, Verizon, totally different from what's in VOO. I'd simplify to VOO + SCHD and split it however you want. Again I'm not an advisor, I just start with data. If you want to look at the breakdowns yourself I've got a free fund analyzer you can use. [https://fluentboost.com/](https://fluentboost.com/fund-analyzer-pro/)
Thank you so much . If I put my funds back in my bank I’m sitting around 13.5k grand . Do you think 200 in VTI and 200 in VOO along with 100 in SCHMD a month is smart ?
VOO is a great foundation, you can't go wrong just putting money in that consistently and not thinking about it. If you want some dividend income on top, SCHD is solid for that side of the portfolio. At your age I'd lean heavier on VOO/QQQ for growth and maybe add SCHD later when you want more income. The main thing at 20 is just getting money in regularly and leaving it alone. Which one you pick matters way less than the habit of doing it every month.
Yea and that is what I’m thinking. Any recommendations? Spy QQQ? VOO ? Schmd? Stuff like that?
Crypto bros got wiped out, they’re on the VOO now
Cryptocurrencies have nothing backing them but investor speculation. They are more akin to gambling. Don't waste your money on crypto. If you buy an ETF like VOO, you are buying and holding stock in the top 500 companies in America. These are the best-run 500 companies, and it's a shifting basket each year as some drop out and new ones rise up and are added.
If you are concerned about underperforming the S&P 500, then you do not need an investment advisor, you need to buy an S&P 500 ETF, such as VOO, SPY or IVV. Most investment advisors underperform the S&P 500 over the long term.
I am doing well with ETFs and I hold a couple of them like VOO. But want to jump to stocks and not sure if I should hold for longer time. I have bought some semiconductor and tech stocks, so was wondering if I should hold them.
I’ve made way more VXUS than VOO since Mango took office.
I'd sell half and put it into VOO and let the other half ride, Nvidia has become a central part of tech for almost everything. I don't see them going anywhere any time soon
I trimmed a lot of mine and pivoted to big ETFs like voo and vxus. Keep in mind VOO still has a big percentage of nvda. Depends if you are concerned about a big drop.
My gf triggered im listening to donnie yap. Sometimes I wish I was her, doesn’t care about politics, doesn’t know WSB exists, uses a financial planner to buy VOO monthly, doesn’t know what options are and just reads and draws and works in a hospital
So you don't like volatility then. Buy things that are less volatile. Index funds aren't "safe" but they are less likely to have major swings than individual stocks. For VOO to go to zero the US stock market would have to go to zero. We have bigger problems at that point than your retirement.
The strategy for making money with ETFs like VOO is to buy and hold for the long term. There will be both ups and downs. But if America is down for 20 years, there's bigger economic issues going on that are likely tanking any other investments you might have made.
They just seem incompetent for presenting it as such. It is pretty common. Most advisors suck. They speak like normies. I hear it all the time. They think their job is to “beat the market”. They sound like civilians. They think they are bashing the current advisor trying to steal business, they are just showcasing their ignorance. No well balanced portfolio with diversification is going to beat the sp500. Pure VOO is 100% aggressive and while pretty diversified, not the most diversified. Diversification lowers risk. Lowering risk is adding safety. Why would less risk = more reward? Answer: it normally doesn’t. People think diversification increases return, it doesn’t really work that way. It increases risk adjusted return, that is not the same as overall return. They just sound like bad sales people. Honestly. You should ask them if they will be beating the sp500 consistently now that you are with them… lolol
>Having said that, not matching S&P500 is very common and not some gross mismanagement. Gross mismanagement would be the portfolio going to zero. Well here is the cux if the issue. If you want to match the returns of the S&P500 just invest in VOO. Now if you want to beat the S&P500 thats risky , the S&P500 itself might be too risky for most people and trying to beat it will be even more risky The S&P500 fell 55% in 2008/2009 , if your investment advisor was trying to beat the index you probably would have had similar losses People seeing their managed portfolio fall 60% in a year is what causes lawsuits, so most advisors setup a more diversified less risky portfolio that will under perform especially in bull markets
I don't mean to be rude, but why are you asking us? The information you need is 1) in your portfolio history, and 2) in an online chart of the S&P 500 by year. You can create your own spreadsheet that looks at how much your financial advisor earned or lost each year, and compare to the S&P 500 performance by year. And yes, that should most definitely point out to you that you would be better off just putting everything in an S&P 500 index like FXAIX or VOO and just letting it ride. And I'm assuming there's a large amount of money at stake here (25 years and underperforming the SP500 by 122.42%). You should probably talk to a lawyer and see if you have grounds for a lawsuit. Underperformance is not enough, but if you can prove the losses were a result of misconduct, you may have a case. The S&P 500 had a phenomenal last 25 years, returning 265%.
Yea it’s a weird pitch to say you should stay with us because we’ve lost you so much money. It’s hard to know what to say without knowing what the objectives were and what the investments were. If he was just picking growth stocks and did a bad job then that’s terrible and you should just be buying VTI or VOO and avoiding an advisor. But if he was told to create a balanced portfolio and limit risk then you’d expect to underperform the SP500 over a long bull run.
You need to understand that when portfolios are large and professionally managed, they will be less risky and more diversified than just pure VOO… Would your family been ok being full VOO? Likely not, they would have panic sold a couple of times in those 25 years.
It’s clear we’ve got the expertise many of the world’s leading universities are here, cutting edge research is done here, and top performers are compensated better than almost anywhere else. That said, diversification still makes sense, and choosing VT is solid. Just don’t rush back into VOO the next time the U.S. happens to outperform international markets for a year
Kinda of an odd thing for a VOO bull to say. But ok
125/week VOO in Fidelity account. Work to increase that weekly. Sell only when you have something urgent to pay for. Learn about Roth to see if that is right for you. But if you want full flexibility, taxable is fine. Everyone starts somewhere. Best of luck!!
Not so much a “scam” and more a you should know better situation. Just set a weekly auto buy for VOO. Sell only when you have something urgent to pay for. Learn the lesson. Chalk it up to paying tuition.
You start seeing the "snow ball" effect after about 100k. It becomes even more noticeable after 250k. Think of it this way, with a conservative 8% return at 100k, that's $8000 additional dollars or an entire months salary for a professional worker in the U.S. 8% at 250k is nearly $20,000. Once you reach 500k we're looking at 40k, and once you reach 750k an 8% return is equal to the median income of a U.S. worker. **As for your hypothetical:** Scenario 1) Assuming an 8% return you'd be at nearly 180k. Scenario 2) Assuming 10% (the average return for VOO the last 20 years) you'd be at 191k. **In either scenario, this is the stage where things really start snowballing.** In the 8% scenario you will be at nearly 325k in 15 years and almost 600k in 20 years. In the 10% scenario you will be at nearly 400k in 15 years and 700k in 20 years. Keep in mind these are conservative estimates. If you were able to net a 12% return then in 20 years you would be at almost 900k (from just investing 1k a month for 20 years). **Another scenario to look at is if you increased to 1500 a month or 2000 a month.** In the 8% return scenario at 1500/month you would be at almost 300k in 10 years and almost 900k in 20 years. At 10% at 15/month you would be at 320k in 10 years but over a million in 20 years. **Now if you were able to invest 2000 a month for the next 10 years.** At 8% you would be at 370k in 10 years but in 20 years you would be at 1.2 million. At 10% you would be at 415k in 10 years but in 20 years you would be at 1.5 million. *TLDR; At 1k a month or 2k a month you will be in a very good position in the next 10 years. However, the snowball effect really starts to kick in once you've invested 250k and only gets more intense after that.*
Oh, in that case…there are certain “covered call ETFs” that do the work for you, albeit at thresholds you may not like or want. For example, XYLD, QYLD and RYLD are simplistic CC ETFs that just sell at-the-money calls each month on the S&P500, Nasdaq-100 and the Russell-2000 respectively. Those you can buy and turn off your brain, but they have slightly higher fees than some prefer (not bad 0.60%, but not vanguard-level VOO 0.03%). They may not mimic your exact preferences perfectly, but they’re options, pun intended. Your ISA allowed list of purchasable products, stocks, ETFs, and bonds may or may not allow these specifically, but there is probably something similar offered. As for looking into an SIPP…You cannot directly transfer funds from an ISA to a SIPP; instead, you must withdraw money from the ISA and contribute it to the SIPP as a new payment. This enables you to claim tax relief on the contribution (20% to 45% depending on your rate) while utilizing your annual pension allowance. It’s recommended if you’re at a higher (relative) tax rate now compared to what you would expect to be taxed at later in retirement. Just another option for British pensioners, do your own calculations for which one benefits you more. Usually max ISA first if you’re just starting out or low income earner, then flex into an SIPP if you can…flip the order once you start making a lot. Theoretically, cap out both every year if you can afford to for maximum long-term benefits. Each worker like yourself will have to budget to see the exact ratio that works for you.
Open a Fidelity account. Get rid of SCHD and gold. Split it up into weekly instead of monthly. Sell only when you have something urgent to pay for. Work to increase the weekly amount. There is nothing wrong picking some stocks you like as long as you do it automatically and don’t panic sell. You will eventually learn to just increase the VOO, just makes life easier. But I do the same with some of those stocks you list. It’s fun. SGOV for emergency fund and large known expenses. Keep life simple.
> Is it worth having a financial advisor The single most important thing to understand is that **Investment Management** is just ONE SMALL PART of what a proper Financial Advisor provides. You can probably learn all you need to from spending, oh, say, 90 minutes reading this sub -- which will be "VOO and chill" regardless of your investment objectives, timeline, risk tolerance, etc. So, you'll want a Financial Advisor if you want more "sophisticated" investment advice (Asset Allocation model, for example), or if you want want someone to help you with **estate planning**, and **retirement planning**, and **insurance planning**, and **tax planning**, and just all-around **financial "modeling"**, then yes, a CFP^^TM or ChFC^^® or equiv is a useful person to have a professional relationship with -- and yes, that person deserves to be compensated.
You have the most amazing self control / post nut clarity of anyone I have ever seen. Congrats and VOO and chill or just sgov and chill if you really don’t want to look / be tempted haha
If it grows at an average of 8%-10%/year then it will grow to $173,800-$191,249 That's a fair estimate if it's all in on VT or VOO. You're adding a bunch of different funds and stocks, and you'd have to evaluate those separately.
Tbh I’d do $500/ VOO, $200/ VXUS, $200/SCHD, $100/BND if you really wanna split it like that