VOO

ThomasTanksDown

It feels good but you still have this lingering feeling over your head like dont fuck this up. But for the most part it feels unreal to think I could put 100% in VOO and make 500k/year (on average obviously 🤪). And no for osrs. A quit like 3 years ago amd just flipped on the GE for 2 years here and there and then stopped completely. I think I have like 1.4b ive just been giving to friends

swallowthesun5

Hi everyone, question for HSA investing: From a previous employer, my wife qualified for an HSA account. By the time she left there was $1200 in the account. Her new job as well as mine offered FSAs so instead of using that $1200 I put it into a total market for a while. Since this account can't be added to anymore, I took a swing at RKLB @ $16 and bought 107 shares. So now its sitting at $15K in the HSA account. What is the best way deal with HSA gains? I'd like to secure what has worked so far but also need it to grow in the market since I can't add to it. I'm pretty much a novice if it isn't obvious. Any other investments are typcial VTI, VOO etc. I'm not a 'ROCKET LAB TO THE MOON' guy, just someone who took a swing, so the investment wasn't really based on DD, and even if it was my DD wouldn't be very effective. Thanks for any advice

fr_cuh

I’ve been seeing some great performance with SMH but was scared to put in $7k after I already saw so much growth (idk if that’s the right move..), I put all of it into VOOG (like a riskier VOO). Now I am at peace, until I calculate how much I lost out on.

Aggressive_Finish798

You can buy VOO on Schwab now for fractional shares.

Xzlk

VOO 700 today confirmed

catlady1215

No it’s when the random broke people start talking about buying I’m selling all my shit and putting it into VOO.

NoMore_stu

I mean VOO is up over 60% ytd but okay

aronnax512

You don't stick the derisked portion into a savings account, you roll in into a broad market ETF. It's also not going to zero (AMD is still a well run, profitable company with physical assets) but it definitely could tank 70% (it also could keep running). You'd be in a position where it'd be like if you'd bought VT or VOO with that initial money, plus received "free" shares in AMD equal to 2/3 of you current AMD share position. The point is to set a floor under your winnings where you won't backslide below where you'd be if you did the safe thing in the first place, without completely sacrificing future upside.

james_reed_fxdesk

If the goal is passive and easy to stick with, VOO alone is already a strong default. SCHD is not bad, but I would only add it if you know exactly why you want the dividend tilt. In a Roth, the tax angle is not really the point. The simpler portfolio is often better if it keeps you from second guessing every few months.

Monster_Grundle

Put 500k aside, pay taxes, buy VOO, keep gambling with the rest. But you won’t, and you’ll go broke revenge trading after something goes bad. Cheers!

pappugulal

Recently read somewhere that 60-40 has been replaced by 90-10, where 90% is stocks and 10% is cash. You should have some idea by now of probability of you being laid off. With that in mind , I would keep a 1-3 years worth of cash, 1-3 years of stable investments (SCHD) and remaining in VOO. This pattern would be for one retiring today. Let me know your opinion as well.

Virtual_Secretary_98

I bought the top on VOO smh

Turtlexxxxx

With VOO https://preview.redd.it/xegvfwdpo04h1.jpeg?width=1080&format=pjpg&auto=webp&s=7c05cd23673beef5133f7dd7a311ae318b0b482d

kmouratidis

How did you get 37% though? VOO/VT are at 28%. Factor tilts? Margin? Includes contributions as gains?

CaptDiscosLoveShack

Target date fund probably has fixed income? Just buy VOO

Fun_Training6342

Guys sell it and buy VOO. Hate to be party pooper but y'all ain't built for this.

cjm123cfc

VOO and chill. Don't overcomplicate it.

amg-rx7

Stocks don’t go up forever. It’s up on speculation momentum and fomo. Not earnings alone. Take some profits. Deploy proceeds to VOO

therealjerseytom

> Missing a hot sector? If you have VOO or VTI you have all the sectors, dude. This looks like just buying a bunch of stuff without any sort of specific goal or plan.

No-Evidence-3538

I’m in a fairly similar spot, steadily investing several thousand a month, and I just recently rode MU from $300 to $775, then transferred those profits into VOO. It will continue to ride (I know this) but I got out of it what I wanted, reached my goal so to speak. Keep this is in mind with your MU throughout the year; that’s the breadth of your port. Those mag stocks are probably just fine and with any real length of time you’re golden. UNH, had recently been a bit of ride, but again any with the years will prosper, assuming they keep the Medicare advantage market on lock. Personally I’m not a huge fan of CRWD, so my personal bias is going to tell you this is one of your problems (when it’s really not) If I was you this is what I would do: Make your largest holding an S&P 500 etf. Pull some profits from the MU ride you have experienced recently, reroute that money back up the chain to that S&P fund. Use the 10k and find 3-4 strong ETF’s you feel passionate about and break your 10k up and diversify it amongst those few ETF’s. Sell UNH for right now it’s not doing much.

Quiet-Enthusiasm-891

Lol, options definitely aren’t. Now I’m just holding long on SPCE and will be putting solid biweekly investments in things like VOO or SPY. 

Fluid_Complaint_1821

I'll always run heavy VOO but keep the tech stonks around for the lolz 

After-Question3165

Well if you do then make sure it’s an equal weight S&P fund and not something like SPY or VOO that are 35%+ large cap tech

kmouratidis

They *think* VOO returns will outpace currency-adjusted VT/VXUS, so they keep pumping money into it, even if they're not Americans. Btw, YTD 9.84% vs 11.19%/13.98% respectively.

Muellerscam123

I’m up 50% this month, I had a buddy tell me I was dumb for not investing in VOO “like Warren Buffet”😂 gay bears

kmouratidis

Not sure (all) funds are *legally obligated* to follow the index just because they track it or use it a benchmark. Most have their own rules, time lags, and so on, that introduce tracking error which, like in this case, can work in your favor. If you look at [VOO](https://investor.vanguard.com/investment-products/etfs/profile/voo)'s portfolio composition drop-down, you'll see the index has 505 stocks but VOO has 503.

Micheal_Hancho

I thought they don't believe in VOO

Lost_Jellyfish_3574

Over in value investing they are saying if you have VOO you get a piece of this Dell pump

Mindless_Ad5500

What age are you? You are heavily invested in tech. Maybe buy some VOO? Buy some bonds?

Carbon-Base

SCHD will be less tax efficient than VOO, even if you reinvest dividends. If your time horizon is long, then I'd stick with VOO and add in some international exposure too.

ConstantPessmism

Don’t say trade, don’t gamble on penny stocks. Put everything you can into VOO and allow 30 years of compounding to give you an early retirement.

DrWeinerWrinkle

Real talk, I am brand brand new to all this, basically “VOO and chill”/gamble on some penny stocks because fuck it. I have $2000 I want to play with on this but I legit don’t know where to start, can someone ELI5 or point me toward me a “Calls and Puts for dummies”? I want to go full regards on the hype train.

PartsSprout

> Planning on setting $2m aside. Please do this now, for you and your families sake. It would be an amazing cushion as a base, and will grow considerably as well. Put it into something conservative (conservative compared to your current portfolio anyway, maybe something like 35% VOO 35% SCHD 20% VUSXX, 10% GLD, whatever you're comfortable with as a conservative portfolio). Use that addictive personality to your benefit and this is a great avenue for it, but please just secure your families future first with that $2m now that you're in this unique position. Super impressive portfolio and growth, and again not I am not trying to be hater, just trying to prevent you from being one of the "oops I lost millions and now I'm screwed" stories that we all see on here regularly. I genuinely want the best for you and your family and their future. It is so unusual to be able to grow a portfolio into wealth like this, so secure your families future first, and then keep going. Anyway I am rooting for you, take care of your future, really amazing situation you are in.

Riseonfire

Time to put it in VOO and step away.

fish_

why the fuck did you buy this shit? maybe just hang it up and be a VOO guy, you're not cut out for this

Smart-Scratch-4594

I’ve got $25,000 that I’m taking from my HYSA to invest into stocks/etf’s. I already have around $19,000 invested in Nvidia, Microsoft, VOO, SOFI, TTWO (I don’t think GTA 6 is completely priced in yet and it will blow up) and other companies with a couple hundred invested in them. I’m not sure how I want to invest this $25000. Should I invest $5000 a week? Every two weeks? Or throw it in the market all at once? What would be the best strategy? As for what to actually invest in, what are some of your guy’s stocks that I should pick? How much of the $25000 should go in those stocks? Or should I buy just ETF’s instead? Should I do a mix of both? I’m 20 years old with a lot of time for my money to grow. I don’t need income from these anytime soon, but I also don’t mind throwing a couple hundred dollars at a stock for its dividends so it can start compounding now. Open to any and all suggestions, regardless of if it’s a safe investment or a risk. Whatever you would do in my situation, that’s what you should recommend.

ryuujinusa

VOO and chill.

iAtty

AAPL. Worked for retail, invested into ESPP, have around ~800 shares dating back to 2011 when I started investing in them. I should probably sell it all and throw that money into more VOO or something but it's still doing well. ¯\_(ツ)_/¯

PulIthEld

why the fuck would i buy bonds when VOO is giving 30%?

KangarooPouchIsHome

This is exactly how people lose money. Lump sum somewhere and forget it. I’d do an index but I’m money stupid and I fully acknowledge it. You probably are too if you’re here on Reddit asking for financial advice. VOO it all and forget it exists. Be happy in 30 years.

OptionsProOfficial

It's good to see some encouraging comments on this post. But the "hate" comments are kind of valid as well. It's awesome that you've made back your losses, but you should strongly consider smaller sizing to avoid another blow-out. The "wanted to quit so many times but just couldn't" is a huge red flag. Zero shame in the "VOO and chill" mindset

Frequent-Basket7135

Put it in VOO and pack it up. You’re done. Seriously out that shit in fidelity and sock it away. Then keep like 1k in Robinhood for fun

Detailed23

SPMO rebalances monthly and it only keeps the top players. Do some research between SPMO and VOO. Including draw downs and recoveries. SPMO kills it.

shindiggaa

put it all in VOO and leave it there

UnObtainium17

Im not as good as you are but my portfolio would probably be half of what it is now have I just went VOO and chill. Learning to pick stocks in my own time increased my earning potential as if I have a second job. If i don't get too greedy it should make me be able to afford to retire few years earlier.

CallMePyro

$VOO. I just believe in it it, I think it'll do well.

Puzzleheaded-You-368

I am 25 years old and have several brokerages. A couple retirement accounts and a couple more near term focused accounts. Near Term Accounts: My Schwab account where I have about $16k in is my more speculative account where I do my own research and make investments in mostly individual companies rather than ETFs. I buy/sell more often in here. My Robinhood account I started to be able to automate my investing and gain exposure to more dividends. Have about $2.5k. Most of SCHD and cash to use for my automated investments. My other positions are VOO, NVDA, VRT, DIA, and JPM. I don’t touch these, basically just let the automation do its thing to stay in the market and let the ebbs and flows level out. Do you all have any recommendations for how I should change this up or optimize my investments? I am trying to avoid jumping all over the place with my strategy as I know that is where you can get burnt in the market but am open to suggestions, whether it be new stocks to look into, tax strategies, alternative investments, etc.

taplar

There's alot of overlap with VOO, QQQM, and SPMO. Why hold all three? 

Pretend-Ad-9504

In my area, right now, you could not buy a turnkey property (assuming 60% LTV) and be able to charge enough for rent to not be operating at an annual loss, especially if you’re in a higher tax bracket already and not doing RE full time, which is presumably the case for most people investing in real estate. You’re not going to get into it if you don’t already have a stable income. EXAMPLE (from my area): • Property price: $325,000 • 60% LTV = $195,000 financed, $130,000 DP • 6.5% / 20 years = $1,454/month (~$17,448/yr) —————— In my area market, you could reasonably expect to collect $2400/month — max — more than likely it’d be $2200, but let’s assume a best case for this example. And let’s actually take all reasonable expenses into account. Annual rent collected: $28,800 Vacancy (5%): -$1,440 Property management (9%): -$2,592 Property tax (est. 1.2%): -$3,900 Insurance: -$1,500 Maintenance reserve (remember roof?): -$2,400 Effective net income: $16,968 Mortgage payment: -$17,448 Net cash flow: -$480/yr ————————— Now, let’s say you can depreciate $260,000. Maybe there’s a big tax advantage?? Net annual rental income: $16,968 Mortgage interest (yr 1 est.): -$12,480 Depreciation: -$9,455 Taxable rental income/loss: -$4,967 (paper loss) ————————- Because most passive RE investors are in a higher income bracket, it’s considered passive income —- so passive losses can’t offset ordinary income. So, losses like this won’t materialize really until the property sells. —————————- Now, this same $130,000 invested in something like VTI or VOO would generate $9000/annual on average. And it’s 100% liquid, well diversified, not tied to one local economy, and involves zero local assholes. You can also invest more into a fund without worrying about who will be available to fix its toilets. VTI also isn’t at risk of a squirrel eating a hole in the siding so rain water pours in over 12 months and ruins two-stories of sheathing. —————————- For me personally, someone in a higher income bracket, RE seems like such a massive headache. In the end, with all the “advantages”, even if RE is barely ahead of VTI, what a pain to get to almost the same result. I would much rather spend time on other endeavors, than fighting with materials and people.

BikeNo5922

I’m 21 years old and I have about 3500 to put into an etf portfolio that will sit for many years. I am thinking of splitting it up as followed: 50% VOO 30% QQQM 10% SPMO 10% AVUV Of course I will keep investing over time, but I feel like this would be a good base to start. Please let me know how this looks. Thanks

Weird_Track_2164

You shouldn't be throwing your money into stocks let alone one single stock because you quite frankly do not have enough money to absorb the impact of a market downturn if you suddenly need that cash. Pay off debt -> Build an emergency fund for 3-6 months of expenses which is ideally a high yield savings account-> Start putting money in a 401k/retirement fund -> then and only then start putting money in stocks ideally an index fund like VOO.

StoryAndAHalf

Honestly, I'd either keep it in VOO, or take it out, because if 10k is all you have, that's not investment money, that's an emergency fund. Like, I get the feel like you want to let it grow, but the last thing you want is needing money right after your stocks fall 30% and you're selling at a loss.

wm313

Stocks go up and down. You may buy at the right time or the absolute worst time. The goal is to invest in solid companies or ETFs that withstand market drips and return profits after a drop. I bought VOO around $424 and it started moving down toward $330 or so. I stayed with it. Today, it’s almost $700. If I sold or had a stop-loss, I would have to buy back or put it somewhere else, then hope the same pattern doesn’t happen. Invest in good companies or ETFs that mirror the market. At least for your style of investing. Not everyone has a stomach for high volatility. That’s where specific ETFs lower your risk based on the investment style. It may drop 10% but it has always shown it returns higher than before. Find the right investments and you don’t have to worry about the drop. You look toward future returns. Selling a good investment solely because of an immediate drop is how you slow down in your race to retirement.

Alianspy007

VOO and VOOG are solid. I've done well with them. The SpaceX IPO coming up could be big depending on who you talk to or wether your red or blue Keep it simple and ride out the waves. I keep my portfolio mainly ETF's Be as risky as you can afford for now Unpopular opinion but these days I wouldn't be going to college. I've done well without it

GoinValyrianOnDatAss

Any Mag7 stock. Ignore everyone else $50k is too much to put into high risk and too little to put into VOO and chill.

jvaritek33c

I sold my VOO and got RSP instead, it's S&P equal weight. I get my tech exposure from Google. Even if all the AI stuff burns to the ground, Google will have a profit engine running with search

nanobot_1000

At current levels and volatility, I just daytrade MU and DRAM. Got in too late on memory after being all-in on NVDA the past decade. Am otherwise in VOO and chill mode but wary about that too.

Bright-Entry916

Top confirmed. If you are going to invest in long term, just buy VOO.

OpeningSolution3185

Personally I am in VOO mode lately.

jacob6875

Waiting is silly. I felt this 2-3 months ago when markets were at record highs before the Iran war. Now VOO is up like 6% from when I invested.

Ohlele

VOO

DoinIt4DaShorteez

At 35, I would say $70k in SGOV + 6 months of expenses is probably just about right amount of cash, probably a little more than you need. I mean you have to think of what your worst case sceanrio is and have the liquidity for that. You say stable, but $100,000 - $150,000 is a huge range, lol. I'm not familiar with "intelligent portfolio" or "go," i'm just gonna assume they buy individual equities. If you came to me and said you wanted to maintain your cash-equivalent positions as is and put all your retirement account money into VT and/or VOO or split it between them in some fashion, I wouldn't have a bad word to say about it. If you think your don't need 18 months (or how ever much $70k + 6 months adds up to) of expenses, then shave that cash position down a little and put it in VOO/VT or even take a couple small positions that you decide on yourself, to keep things interesting. Not meme shit, real shit.

Valuable-Analyst-464

I was basically 95% equities my whole investing career. I read up on bonds and made the mistake of diversifying with them at too young an age. I am not sure what’s in your brokerage and what’s in the HYSA…maybe locking too much away. Before reallocating in the taxable account, maybe reset your retirement accounts. I would say VT or 75/25 (VOO or VTI)/VXUS.

BlueShift42

Maybe trading isn’t for you. VOO and chill

Crazy_Donkies

Can I introduce you to VOO?

cnvas_home

You can use a backrest portfolio tool to compare the long term gains (as far back as you can get, depends on IPO date etc.). Unless you own capital or play with it like a dog in a race (futures) you probably weren't going to outperform otherwise investing at a dollar cost average like the nice middle class thralls we all are (excluding the proletarian Wendy's workers here). All in on VOO is a bit boomer pilled depending on your age, but it's probably best to not go beyond several funds of various asset classes in a portfolio. All of what I am saying is irrelevant if you have productive capital or a corporate veil otherwise, but even the upper middle class can lose everything to the casino.

tmangat

Direct Indexing fees are currently 0.19% on Public.com. Still only worth it over VOO if your income and investments are high enough for the tax loss harvesting to make a difference for you, or you're really bearish on a handful of stocks in the index.

Aggravating_Storm835

Good picks. Probably too spread out. I’d ignore Google, Amazon, VOO, and SCHD. Focus contributions on Microsoft, Meta, and Mastercard while you can.

BionicSteeze

Get out of index funds because of one company? Like for example would you sell all your VOO and VT ?

nincompoop221

I think the feeling of needing to constantly \*do something\* to maintain your portfolio is a trap. I've got a 6-fund portfolio mixing VOO with some tasteful factor tilts, US and international. The fund managers do the work for me, my strategy is settled.

Loose_Hornet4126

VOO is down today. You greedy purmabulls deserve to get cleaned out 🧹

venu_18

If I truly didn’t care about losing the $1k, I’d probably split it between: * some insanely volatile AI/small-cap tech play, * a tiny amount of leveraged ETF degeneracy, * and one completely irrational meme bet just for entertainment value. Because realistically, if the goal is “either rich or zero,” boring answers like VOO aren’t scratching the itch 😭 That said, the funniest part of WSB is people pretending they want high risk until they’re down 38% in two days and suddenly become long-term investors.

stonksf

Rate my 1M portfolio 60% VOO 20% QQQM 20% VGT

titanlu

Fair point. I was blue pilled into VOO and chill for a while

Wutangclang11

Rented our home for 2 months…they ended up being a fraud and got two dogs without asking. Cars parked in the backyard. Late payments. I sold the house a month later and took the equity. Put majority of that money in VOO, gained $70k since March 2025…versus the maybe $12k I could’ve gotten last year. It would’ve been nice additional income but if I were to do a rental again, it’d be a townhome/condo that’s “lower” maintenance. But doubt I will. Money market is as low maintenance as it gets.

Grand-Teach8810

So you tried to beat the market, and realized you can't. So why not just try to be the market (VOO) buy and hold it. You will see some increases.

Lumpy-Can-4883

I’m not sure how you tank 100k to 0 but nicely done hahaha you’re 25 you have time on your hand. Expensive lesson learned. Don’t mess with options, and stick with value long stocks or ETFs. I learned a similar lesson when I played penny stocks too often. Changed to the VOO and chill mentality (with some sector specific stocks thrown in) and I have more than I ever have. Patience is a virtue for a reason brother!

Vlisa

AI DCA’s into VTI/VOO. Beats 95% of its users previous gains.

Infurium

Ofc the dweebs on Reddit hate being told that VOO isn't the best thing since sliced bread. They down vote you every thing if you say anything different.

James161324

So PE has been in a large portion of the retirement accounts for decades. Pretty much every private, state and federal pension program has an allocation to PE. Heck, even if you own VOO, you have exposure to PE, APO, KKR, and BX, are part of the index.

Vlisa

Watch it just DCA into VOO/VTI.

DatBoiii4

CoC return? Did you put $10k down and rake in $30k rent annually? I was bringing in $24k rent on a $189k duplex. Which was a great deal, but after total expenses was more like $14k. Even then I eventually reached a position financially where that was pretty paltry and the juice was not worth the squeeze. The property also had other issues (foundation issues that were “probably fine for a while”, a 50’x6’ retaining wall that was starting to lean) so I took my profits and let it go. Rather spend my time doing other shit and just VOO and relax.

PMmeuroneweirdtrick

Same thoughts here but they're small positions for me so not bad. MU RKLB AMD VRT have saved the day for me and I'm up on VOO by bout 10%

Illustrious-Option-9

Doesn't have to be VOO. Can be VTI.

Virtual_Secretary_98

I'm all in VOO

Putrid_Leg_1474

I know. I doubled my money and thought i was so smart. Pretty sure I was drunk. Now thinking about selling those makes me want to drink. Lesson learned, buy companies you believe in and never sell. Maybe sell at retirement for VOO or to buy a house.

FatFluffyFish

Remember: ber or bol, bubble or not, the important part is making money. If you somehow did not make money during an insane semi con bullrun…. maybe VOO and chill is for you

Accomplished-Yam-100

Hmmmm like $100 potential monthly profit assuming the fridge or ac unit didn’t blow up and u need to replace it…or VOO and just chill. I like my time on this earth so I choose the sp500 or whatever else

Rangastang

VOO

Beginning-Fig-9089

my buddy said hes up 11% YTD, and VOO is up 9% my acct is up 65%

Affectionate-Drop689

which space stocks to buy? and which ones for memory? locking in MU tmr after i sell VOO and GOOGLE

inflamed_urethra

Why are you still here? Close the position, put 90 percent recent in VOO and enjoy retirement.

JustinDestruction

You can live in real estate, which transforms “rent” from an expense to a capital investment. Depending on your location, real estate will likely make you more return than VOO or SPY, particularly in light of the “expense” and tax benefits. “Investment” real estate doesn’t sound like your area of interest. From experience, if you don’t want to or can’t fix things when you don’t know how or pull disgusting hair out of sinks and toilets or any number of annoying tenant requests, you will not prosper by constantly hiring tradesmen.

CassianKevin

Should I invest in VOO tomorrow at ATH? Is it gonna keep going up?

catlady1215

Just a put a majority into VOO and play around with the rest of the money.

BleakyBluster

I feel like an idiot having been trading for years and essentially having no returns because I pick and choose stocks instead of just buying VOO and chilling….

Upset-Kaleidoscope45

VOO called me once at 2AM with a catastrophic sewer backup. Totally gross, that brown stuff all over the wall wasn't SBUX.

citiclosethrowaway

You won! Sell and VOO and never work another day in your life.

Neat_Database6685

New rule - if my VOO is doing better, reallocating - BYE AMZN and MSFT

Impossible-Use5636

Wasn’t impressed with VUG relative to VOO Not worth the added volatility