Reddit Posts
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Mentions
24M, making about $95k/year in the US and looking for some advice on how to position my taxable brokerage account for the long term. Current situation: * Roth IRA + Roth 401(k): \~$35k total, 100% VOO * HYSA: Usually keep around $10k-$15k * Schwab taxable brokerage: \~$23k * About 95% of the brokerage is currently in QQQ * No major debt that is affecting my investment decisions I'm comfortable with risk and market volatility. I don't see myself panic selling during a downturn, and I'm generally looking to invest for the long term. My main concern is that I'm probably too concentrated in QQQ, especially considering my retirement accounts are already 100% VOO. I like the growth exposure of QQQ, but I'm wondering if having almost my entire taxable account in it is taking on unnecessary concentration risk. The one thing making my time horizon a little difficult to define is that I may want to buy a house in the next 3-5 years. That's definitely not set in stone, though, and I don't necessarily consider the entire $23k brokerage account to be my future down payment. If you were in my position, how would you think about diversifying the taxable account? Would you keep some QQQ and start directing new contributions toward something broader like VTI? Add international exposure? Actually sell some QQQ and rebalance now? Or leave the existing position alone and diversify with future contributions? I'm mostly interested in hearing how others would approach the concentration issue and what kind of allocation you would consider for someone my age who is comfortable taking risk.
VOO will outperform over time. QQQ will outperform VOO over time. VT will be less volatile
September be like: VOO is more defensive than SCHD.
10-Year Annualized Return: VOO has returned roughly 15.4% per year, while VT has averaged about 12.5% per year.
Given the overlap between VOO and the individual stocks on your lists, I would either go with “VOO & chill” or stop contributing to VOO and allocate those funds in individual stocks. I do the latter, so I can easily see how much weight I’ve allocated to a position. I limit individual positions to 5% of my portfolio. If you decide to go this route, I would add some of the stocks/sectors that you re planning to drop..
Open a brokerage account. It's just a specialized bank account that allows you to invest the money in it. Then if you don't have an emergency fund (six months expenses), then shove that much into a money fund. Which money fund depends on which brokerage you use. Like SPAXX (Fidelity), SWVXX (Schwab), VMFXX (Vanguard), whatever. The key here is that it's low risk, something like a savings account. Beyond that, you can invest in whatever you want. But if you don't know anything and you're looking to get your feet wet, a broad ETF is probably what you're looking for. Something like VOO (S&P 500), VTI (total US index), VT (total world index). Be aware that you are taking risks with that money -- if the market drops 50% tomorrow, half your money disappears. But long term, markets tend to go up. You should also consider opening a Roth IRA. It's a brokerage account specifically for retirement funds, so you get some tax benefits for putting money in there but there are restrictions to when you can take money out. Also there are income limits, but ways around those income limits, so it's a whole thing.
Honestly, you’re probably best off just buying SPY or VOO! Research it…. Near Infinite amounts of people have proven it’s extremely hard to beat the market long term. That should be the goal…to get the market average or slightly above.
I just desperately hope and pray rebalancing eliminates anything AI related. I made the critical error of buying at the ATH late June and I've been deep in the red ever since. I just want to get close enough to my entry to GTFO and put it all in SCHD and VOO
I mean Jesus CRIEST wtf were you thinking, VOO and chill could’ve returned u 100k from doing nothing.
It’s funny. All you hear is VOO and chill as the market performs above expectation. Then a little volatility and they want to jump in a lifeboat. Sell it all. Sometimes posts like this are part of a campaign to encourage others to sell. To manipulate the market. It’s hard to be chill. But it pays off long term. People like OP feel so good because they did something (if they indeed did sell). But markets move quickly. Once you’re out it’s super easy to miss the upward reversal. Or so easy to see a recovery coming only to get back in and see the market fall again. You missed that little upsides when you were out, which means your aggregate loss is more than the market drop! And likely your money is on the sidelines when the reversal they didn’t anticipate happens. Often it feels like the market encourages people to buy when they should sell and sell when they should buy (it’s easier to see when looked at in the rear view mirror). The best strategy is buy and hold long. Stomaching the volatility is part of that long game. There is still that tug to sell. But you take an Alka Seltzer and live with it. Wealth favors the patient.
Thank you. I am not sure if AI is fully rear view, want to have some concentration on those names. I am not a sophisticated investor though, that’s why sticking to VOO and other big names and avoiding small caps
Before buying a single stock, check what VOO and VHT already own. That “new” $4,000 idea might already be in both ETFs lol, like Rome rebuilding the same forum again.
That's awful, so it's good you realized and asked; now you can get on the right path. Open a Roth IRA at Vanguard or Fidelity and initiate a transfer. After the transfer to Vanguard or Fidelity is complete, sell the American fund within your Vanguard or Fidelity Roth IRA and invest the money however you like (VT + BND or a Target Date Fund). [https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers](https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers) You're familiar with VOO, and here are a few other funds that are commonly referred to: VTI - Total US stock market VXUS - Total International stock market (excluding US) VT- Total World (VTI and VXUS combined conveniently into one fund) BND - Total Bond, although this designation isn't quite as accurate as the total stock market funds are [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) I recommending perusing r/Bogleheads regularly.
you do realize you have 56% in plays, 44% in VOO + cash. as others have noted, VOO is itself dominated by plays like yours. the reality is this: none of us has any idea how your angles are going to work out. also, you're staring in the rearview mirror, as if the world unfolding through the windshield is going to resemble that. it is not. in my experience, two kinds of people make high-conviction plays. one kind comprises a select group of sophisticated investors. the other consists of everyone else. which group do you think you are in?
Max out your IRA into VOO then buy whatever else you want.
VOO is already tech heavy, since the entire economy is being carried by AI right now loll. Other than the Bitcoin fund, the rest of your portfolio is basically double dipping the top VOO stocks. Which I suppose you could do if you're super confident in your exposure. But depending on how much your "12%" actually is (12k vs 120k+), I would honestly just chuck it into VOO and forget about it.
In this environment, I have zero confidence on the longer future. What are the odds of five years in a row double digit growth? I mean, if investing is really like this, yeah all in VOO and chill. I take profit, rinse and repeat. Make sure I am full cash before every defining moment, instead of betting another NVDA opportunity, I missed the first one, I don’t think I am that visionary and likely will miss again and again on those life changing opportunities. So, I rather stay patient and believe in compounding. With all that being said, I am 22.3% YTD. 184% three years in. Again, if you started this year with any of the SMH holding, you are light years ahead of me.
the moms at the community pool were super impressed when i was talking about investing and VOO. Just wait until i teach them about 0dtes; they def gonna want me. Right?
This is what I’m struggling with too. All of the AI / tech stuff is already very heavy in VOO so we could just say “VOO and chill” instead, right?
Just buy more VOO, overwhelming majority of people who play the stock market make less than they would have just holding VOO or SPY
Without knowing the dollar amount of your portfolio I’d ask do these small percentage holdings cause any measurable movement to your net worth? I wonder if you’d be best off just deploying the majority of funds towards VOO/VTI and then having a percentage towards an AI/semi/tech fund
I am no expert but I guess 90% of this represents pretty much similar to what VOO already is (except the crypto). Why curate something in which the diversity benefit is almost equivalent to VOO ?
I’ve only been through the Covid crash, some of my friends sold at the bottom due to panic. It was a quick bounce so it really hurt them. From what I’ve seen, it gets really emotionally taxing for people who keep buying and selling. I like the stress free life, so VOO and chill for me. One thing that helps me mentally is that if the VOO were to crash and never recover, that probably means we got a lot bigger problems than the stock market crashing so in that case even hard cash would probably not be great. Gives me some peace of mind
How do I VOO and chill if I’m a gambling addict
houses = money pits a million expenses that everybody conveniently sweeps under the rug. Rent a cheapo apartment and pump every spare penny into VOO or maybe GOOG if you're like me
Ça se voit partout et c'est dur à regarder, surtout chez les plus jeunes qui ont encore le temps de leur côté. Le seul truc qui marche vraiment pour les convaincre, c'est pas un discours sur la retraite à 65 ans, c'est de leur montrer l'écart sur 10 ans entre 100 par mois dans un ETF type VOO et le paiement de la voiture. Après ça reste leur décision, on peut pas sauver tout le monde.
i invested into VOO, VFVA, QQQ, SCHD, VXUS, and VTI and for my roth ira, i only invested into VOO, SCHD, VTI and QQQ
Read Warren Buffett or Charlie Munger or John Bogle (Vanguard founder)'s writings. Since you are invested in VOO, just keep on DCA and come back to it when you are 50 years old.
Honestly, I've been active and trading for 20 years, and I'd have more money if I had just bought VOO And chilled with all of my portfolio. These days 50/40/10 VOO/VXUS/GDE
Not a huge difference. If you have current gain in VOO, don’t sell, just keep, and allocate future dollars to VTI. Spice it up and get some VXUS too, or just do one fund like VT.
You think it would be better to DCA into VTI rather than VOO?
Since I already have a lot of my portfolio in VOO, do you think its really that important to invest in VTI? I assume the benefit of VTI is more diversification, but I feel like VOO and the other ETFs I have already give me pretty good diversification already. What do you think?
The only way out are 0dte options. Ask your grandparents to give you their inheritance early and gamble away. Once you blew through that ask your parents for their 401k. After that realize that for most people (98%) a simple S&P 500 ETF like VOO is best.
The point is insurance not extra return. Layoffs and drawdowns often show up together so 24 months in a brokerage can still force a sale at a bad time. I keep a cash buffer outside the market and only put the rest to work. Recurring buy on moomoo is the investable slice keeps going without me raiding the emergency pile. A HySA lagging VOO in a bull market is the premium you are not a seller in a 40 percent year.
Yes, Lifecycle investing is a very well known book. I agree with the concept very much so. If an 75 year old needs less market exposure, a 25 year old can, and perhaps should take on more. It's very difficult early on in ones career to get enough money in the market to get the ball rolling. While no one knows what the future holds, I'd be willing to bet that VOO/SSO 50/50 will outperform VOO over a 30 year horizon. And, if you have frequent DCA, you can actually harness volatility better. The theory is very sound. I think the challenge for someone young, is they are often trying to: Pay off student loans, save for a house down payment, perhaps save up for a wedding, hit the company match on their 401K. But, if you can scrap up some money AFTER all those things, I see no reason NOT to do SSO vs VOO (or some combo of the two) assuming a genuinely long time horizon.
401k plans usually only offer mutual funds, no ETFs. Many famous ETFs you know, like VOO, are just copies of a mutual fund equivalent.
Dude this whole thread is filled with trollers who can’t give good advice. It’s sad that Reddit is filled with these non-compassionate heads. Here is your advice: You still got $150K and that is a lot more than 99% of the world population and 53% of US household. Just park it in VOO and forget about it for 18 years. You’ll be back to $1M with few lessons learned along the way. In the meantime, continue to work and invest in safe ETFs and learn to appreciate money because it’s really hard for it to come by.
Mmm. VOO is what I would do if I actually wanted to get rich
If had 1 million I’d put that shit in VOO and call it a day. That said, congratulations regardless
A $VOO & chill a day, keeps margin calls away!
“In my day we were VOO and chill” 👴
when it goes bad and the VOO crowd sells, it will be a free fall.
that tard strength comes from gullible VOO autoinvest drones
Up until one year ago, we were 99% in QQQ. I was 71 and wife 61. I've lived and died in tech since 1995 - but after the tech bubble burst, we got out of stocks and chose etfs. Finally, we decided to get a little less risk aggressive and moved 90% to VOO and 10% cash. Of course this was the year QQQ way outperformed VOO compared to prior years, but no regrets.
True, but VOO certainly has its potential place for the set it and forget it auto buy every paycheck crowd
The problem with being 100% in VOO would be the psychology of holding into a true bear market, something people tend to cherry pick historical returns to tell themselves how easy it would be. There's always something worse that can happen, you're correct.
True, but in the case of anything that wipes out someone 100% invested in VOO, we all likely have much bigger concerns than investment income
Brother, you could've just bought a shit ton of VOO and sold cash covered options way out of the money and made bank. Whatever you have been doing, stop.
I don't have SPY or VOO. VIG is as close as I get. If anything, I hedge more towards value/dividend growth than high risk. But if we're going to classify the S&P 500 as high risk because it's heavily weighted towards tech, then everything else is even higher risk by default.
Whats the arguement on VOO puts tommorow
If you have lost 6 figures all time in your port just buy VOO you will be richest in retirement home
No. There's a difference between a financial advisor and portfolio manager. And after a certain amount of money, even just a portfolio manager might not be a bad idea. As long as they are a fiduciary, and you are comfortable with them, no it's worth it to many people. If you don't have a ton of money, sure, just download Robinhood and park it in VOO or something similar. But if you have a good amount and want someone who will help you and work with you, it's not the worst thing in the world.
You’re not betting against institutions. You’re betting against your boomer parents. Institutions simply get the best price they can’t for your parents when pay check rolls around and they deposit their 1k for the month. If parents go cash gang, they are team bear. If they don’t, they are team bull. Ask yourself… are your parents going cash gang? Probably not. They’ve been told to hold through ups and downs. Time in market. And that’s why VOO (and chill) always wins.
Depends on: job stability, access to liquidity via many different methods, how many moving parts you have in your finances, etc. There are also middle grounds here… there are lower beta growth engines, that while they still could drop in a downturn, likely much less so than growth equities. Things like DIVO, JEPI, CLOZ, JAAA, SGOV. Also, SGOV is a great place to hold an e fund, which would sit in your brokerage, thus in a way feels like investing, not in a risk sense but in the sense that it sits with your growth holdings. Not sure how much constitutes an e fund for you, but why not do a tiered strategy? Let’s say $30k is 6 months expenses for you: Tier 1: first $10k goes to SGOV Tier 2: second $10k goes to SCHD/divo/cloz/jaaa Tier 3: 3rd $10k goes into VOO Now that you have your first $30k… you can afford to get a increasingly more aggressive with subsequent 10Ks, as your total pot is bigger
all the retards who downvoted this are down fucking 35% and pretending they all bought VOO and are chillin. Lying mfers.
Yes, 3k. I would invest both dividends and I would take a small portion of your paycheck every week to start investing alongside starting chunk. Both divs and new investments in VOO or VT until about 90% of your total value is in the ETF
I think at an $1100 value, I would probably let it sit where it is. I would take any dividends and place them in VOO or VT as others have suggested. If it were 110,000 and represented a major chunk of my net worth, I would sell and place into one of those funds.
Please be aware that if you do sell to reinvest in VOO or something else others have suggested, this will be considered a taxable event. I have no idea how long she held these shares so the gain could be somewhat significant. Just something to be mindful of
Pretty sure getting bought at 31 a share is better than selling now. Doubtful there's reason for it to go higher than that but someone please correct me if I'm wrong. Anyway, that whole account is worth less than 1000$, not a lot of money. If I were you I wouldn't touch anything to save myself the hassle of filing taxes. What you SHOULD be doing at the age of 21 is invest 10%-15% (or however much you can comfortably afford) of your monthly income into an ETF, either VWCE or VOO. Wish I started this early when I was your age.
If this were me… not any kind of professional advice but just as a neighbor / stranger / father, I would just suggest selling it all, buying VOO and turn in DRIP. And forget it Neither companies I have a love for, personally.
Don’t forget to buy tampons on the way home from filling up VOO
“I knew putting my money in VOO and chilling was the move, look at chip stocks” Blinks: chip stocks up 700%
https://preview.redd.it/fgkzyqacygph1.png?width=1140&format=png&auto=webp&s=a3055869e74fb316baf2a0b7a464c73c0c3685cb you could literally just google "futures down?" and it would probably have told you \^ if you have no interest in even looking at the headlines, im not sure stocks are for you. those that didnt know it was the al-mandab straight being closed should only have VGT and VOO in their accounts.
Haha there's a place in between VOO and 0dte options. 😆
Personally, I think you should ignore every piece of advice here and trust your own judgment. Having said that, since you asked for advice, I would first have at least $1k in an emergency savings account for safety but then focus on investing at about an 80/20 rate. If you are less certain about job security during a downturn then up the savings rate, but to your point, at your age, the more money you can invest now, the better off you are long term. As for what to invest in, typically low cost index funds are the better option. You’ll get 10,000 suggestions about the what and how. Typically you want to have some level of allocations in: S&P 500 - Safest Nasdaq - More aggressive Small caps - More volatile. Can lag but then goes crazy International - For growth elsewhere. What percentage you put where is based on your comfortable levels with risk and market swings. For growth, I keep it simple: VOO - S&P 500 - 30% QQQM - Nasdaq - 20% (lot of tech in VOO) AVUV - 25% small caps (funds is filtered for quality) AVNM - 25% international (same filter logic) People obsess about all of this. Pick reasonable funds. Expect them to lose 30-70% at some point. Buy on a regular basis. Start with a Roth IRA for retirement. If investing in a regular brokerage account, be aware of tax impacts from sales and dividends. Good luck.
You should consider taking 400k of that and put it into VOO. It'd turn into about a million in 7-10 years. Way less risk. Still would have 63k for more risky investments.
You do realize that VOO is market cap weighted, so it's holding of NVDA has grown over time. In other words, the market consensus on NVDA is already "priced in." At that point, you are better off buying some other individual stock that you think the market has not priced in for some reason.
Don’t sell what you already have to buy something else, otherwise you’ll be taxed on capital gains. QQQ is solid, but has a high concentration in tech so has a bit more risk. I personally would start putting future contributions into an etf that tracks the whole US market like VTI and put a small percentage into an international etf like VXUS. VOO is another good option that tracks the S&P 500 but it overlaps heavily with VTI, so pick one or the other.
If NVDA hit 70$ I would sell 1/4 of my VOO and put it all in
5% is VOO, rest in stocks or waiting for the stocks to be bought
Every time I try to stock pick and beat VOO, I end up underperforming by like 15%. I think I just need to swallow my pride, accept that I’m not Warren Buffett, and let the S&P 500 do the heavy lifting while I enjoy my weekends.
I prefer VOO + SCHG + VXUS for my core.
tomorrow is when my port goes even redder. Maybe it’s time to VOO and chill as this is exhaustingly fuked bigly
If it was me, I'd put $1m into VOO, $500k into VGT (yes I know the overlap) and $300k broken up into my favorite individual stocks (RKLB, NBIS, MRVL).
2nd VOO if you want a simple, no stress investment that will grow over the years.
How old are you? Once you have a certain amount of money, you basically just need it to be safe for 5-10 years and that amount will grow to be enough to retire off of even in a safe account. What is your risk tolerance? Do you think there is an AI bubble right now? **SCHD** \- this is the common defensive etf option. Sacrifice some growth but if AI crashes, this will do better than **VOO/QQQM**. Good to have a percentage in this ETF depending on your fear level/need for a safety net. 950K after 10 years I think has you getting paid around 52K a year without needing to sell. I wouldn't recommend dumping it all in there though. I personally am avoiding this until retirement then i'll probably consider putting a decent chunk of my roth into it. Take a look at **SPMO**. I use it instead of **VOO**. It seems to recover just as good as **VOO** and outperforms it. A small percentage in international ETF's would be a good idea. People default to **VXUS** but **AVNM** or **DFAX** are worth researching. US and international take turns outperforming each other. **QQQM** and **VOO** have a lot of overlap. Technically it doesn't hurt to have both. They are just doing similar things. Voo performs a bit worse I think but has a larger safety net. But for both funds, at this point they are heavily weighted in tech. Goes back to the risk conversation.
Disagree completely. Individual stocks, sure. Cut losses to pick winners. But if you have a core holding like VOO or something and it hits a -20% downturn, to me that is a signal to buy more.
Swing trading con $100k suena tentador pero la matemática rara vez funciona a favor de uno mismo — necesitás acertar consistentemente en timing, algo que ni los fondos profesionales logran la mayoría de los años. Yo lo dividiría: una porción grande (70-80%) a un index fund total-market tipo VTI o VOO y me olvido por años, y si de verdad querés la adrenalina del trading activo, separá un 10-15% como "dinero de jugar" que podés perder sin que te arruine el plan de fondo. Así no apostás el total a que le vas a ganar al mercado.
As you’ve seen from the other snarky comments, ‘professionally managed’ means that you will most likely loose in a crash like everyone else, plus pay a 1-1.5% of assets annual fee on top of your loss. Best to place most of your portfolio into VOO, another balanced S&P 500 fund without AI accounting for 40% of the fund, some bond funds, and save paying those fees.
> but I'm not sure Morningstar allows you to compare multiple funds growth of 10,000. You can, if I'm understanding what you're wanting. * I look up VOO, and go to the chart tab * Data Type drop down above the chart, select Growth With Dividend, put 10,000 in the % Change input, and click outside of the dropdown for it to close * Now in the "Compare" input box above the chart I enter in SPY * I now see the chart showing the growth for both funds for whatever timeframe is available, and I can keep adding funds to the list
You risked 2M to make 200k whoop-dee doo, you would've made more money if you put it in VOO and forget. This is a true degen\^\^
You would have to sell VOO in a taxable account to put it in a roth.
I'd suggest: * 50% VOO * 20% SPMO * 10% AVUV * 20% AVNM
At the very least 100% SGOV, but some portion in index funds really makes sense. SGOV is basically a HYSA without state taxes. VT or VOO, at even 25%, would be safe, as in never go to 0, and would demonstrate what stocks return compared to a HYSA. A good HYSA does 4%, at best. VOO is up 11% this year so far and 16% on the 1 year. That’s 4 times the return for a low risk index fund. Baby boomers and GenX know this trick and how to make generational wealth from index funds.
The one thing missing from this equation is age of the people involved. If you've got 20 years to go. VOO and forget about it. If you're 5 years away from retirement, that's a different kettle of fish altogether.
You can buy SGOV. Or you can buy individual bonds— more than 5% interest. Or VOO. It depends on your risk/ reward appetite.
I would look at VXUS for international. Even if you kept VOO and QQQM, VXUS would be good to mix in if the U.S. market goes down. It should help with diversity. I know VOO and QQQM have a ton of overlap, so you will get a lot of questions on why both, but I also know that QQQM is a more aggressive risky version of VOO with adjustments coming only once a year, but I like to hold onto it as well
A 70/30 VOO/QQQM split is still a fairly large bet on the same mega-cap growth names, so I wouldn’t call it much more stable. For a 20-25 year horizon, I’d keep the core broad with VTI or VOO and only add QQQM if you knowingly want that extra concentration. Separate sub-accounts won’t change the combined risk or return, tbh.
I would put so much in QQQM or riskier sector specific ETFs. I remember when the Nasdaq 100 index fell from 4705 in March 2000 to 805 in Oct 2002. It took until 2011 to recover the losses. Anyhow, large cap growth has seen good times lately. But if we have another 2000, you’ll be able to sleep if you own things like VOO and VTI. That’s the direction I’d personally go.
I've dabbled in this plan for about 15 years. Started with Dr. Pepper and made some decent money. Amazon, google, Netflix, and walmart have all done great. Put a bunch into eli lilly the past few years as well. I've also put some money into losers. When I reviewed my performance around 10 years I was pretty proud to say I pretty much broke even with just tossing it in an index fund that tracks the S&P 500. So that's good. And bad. Since then I've reallocated the majority of my money into VOO. I've still got chunks in my favorite performers and will continue to do so but I've rid myself of all the losers.
Eyeballing this says you've had this account for maybe 2 years judging by how thin 1 month is? If you had dumped everything into VOO 2 years ago, you'd be up about 40%. By trying to outperform the market, you've underperformed it. I really hope you learn your lesson.
I have a 4-pronged approach to investing: “own the market”, momentum, growth, tech. VOO is “own the market”; QQQM is growth (not pure like SCHG). You may want to consider momentum and tech. Here’s a good starting point: 30% VOO / 30% SPMO / 25% QQQM or SCHG / 15% VGT