VOO

clingbat

I'm a boring VOO/VT ETF holder these days, here mostly to observe the insanity. I got a little burned on meme stocks a while back and learned I'm too retarded for this game if I want to retire a bit early which we're on track for.

spilledonwhite

After hanging out here and degening I mentally see VOO like a fucking bond allocation

sdrockr

Exactly correct. this is an impatience problem with my retirement timeline. The reason is that I have a rather secure path to retirement (although I know anything can change!) if I just keep working my job and get the pension and healthcare at age 60... my TSP has a $450k balance which I wouldn't touch until age 60.. so the $500k I have in VOO in my personal account (which is basically tax free as of now given the basis and some capital gains losses) can vaporize and it wouldn't affect anything with that timeline... that's why I'm feeling a little more inclined to take risk with it and try to shorten my retirement timeline.. but I'm in a damned if I do and damned if I don't because if it takes a long time for that $500k to turn into something significant enough for me to leave my job.. I'll be less inclined if I'm getting closer to receiving the pension and healthcare into retirement.

Comprehensive-Eye500

Damn, that’s sucks….too bad you didn’t choose NVIDIA. Left alone you’d have $725K in VOO today without that loss. That would have been highly likely to be worth close to or more than $2M in 10 years from now. I don’t think YOLO’ing $500K into something to try to turn it into $2M to retire early and give up pensions and healthcare is very smart, if I am understanding it correctly. You’re doing quite well and setting up for a very comfortable life. Maybe you hate your life at your job though I dunno, I just say don’t risk that much money.

sdrockr

Thanks! I feel like going all in on RKLB would seem very risky to some, but I feel like its got a decent chance especially if I get in near $80 such that I would not be doing something ultra stupid. To me that's kind of the compromise, I could keep it in VOO and reduce risk or take some more risk but not go extreme on risk and RKLB seems like the middle ground given other things some suggested (like MU for instance).

sdrockr

This isn't fake. I have the $500k in VOO in my Fidelity account. My TSP retirement account has $450k in it but I don't want to touch that until age 59 and a half... Yep, I would have to pay federal and CA taxes.. so I'm probably going to need to make the full $2M pay taxes, and assuming I will rely on some of my TSP at age 60.. I probably can do ok even after paying the taxes on whatever $1.5M gains I make with the $500k I have right now in VOO... The $500k right now is basically tax free due to my basis and some capital gains losses (this is a wallstreetbets story I rather save for another time)... I'm worried I don't understand puts or calls enough to get it right and feel like I might do better looking at a dip on RKLB and buying shares and maybe skip the margin part of it? For instance I feel like RKLB is well regarded overall and has a good business case for the longer term... the price dropped a lot.. it looks like its back to December 2025 levels and that should have been before the SpaceX hype started right? So this could be a lower risk dip to get into if I want to leave it in RKLB for a year or two? I think the 100% voo or go all in on margin thing is I'm feeling damned if I do and damned if I don't because I'm 45 and I work for the federal government. The longer I stay working (say another 5-7 years) I feel it would be less appealing to leave early because I put in all that time so I can get my pension and healthcare if I retire at age 60... but I can't leave now with only $500k in VOO in my personal account.. I have $450k in my TSP retirement account tracking in an S&P type index fund but I don't want to touch that until age 60. My only other option to retire very soon with my current net worth is to sell my San Diego home (which is worth $1.2M, I only owe $200k which is financed at 2.5 percent), cash everything out and move to Florida where I can buy something for $350k and leave the rest alone in VOO... but then I'm in Florida and I might go crazy being single there...

sdrockr

Thanks! I was thinking 2-3 years would be pretty decent. If It takes longer than that I'm afraid I'm going to make excuses to keep working until age 60 because I can get my full pension/healthcare. The closer I am to age 60 the less it will make sense to leave no matter what my balances are in my TSP (which has $450k in it right now) or the $500k in VOO right now in my personal account. I was thinking to put it in stock or leveraged ETF and buy during a dip... I've been eyeing RKLB for instance... I think the price has lowered to where it was before the space stocks got hyped up in January 2026 right? I believe that's when SpaceX IPO was starting to spread in the news?

sdrockr

Thanks, so I own a house in San Diego worth $1.2M and I only owe $200k on it.. and that $200k is financed at 2.5% so my payments are real low. I don't want to buy another property (I thought about it though) because of the headaches with maintenance/managing it so I rather just try to grow my wealth in the stock market. I like the RKLB story... I was thinking if the price was near what it was in say December 2025/January 2026 it should be near what it would have been if the SpaceX IPO didn't hype up the space market... so maybe its less risky to get into RKLB and it seems most people think it would do reasonably well in the next couple years to where I may beat VOO by a good amount.

sdrockr

Yeah I think the least I can do is stay away from leverage and ETF if I pull everything out of VOO and go into something else.

sdrockr

This is what I worry about the most! The dammit I worked until 60 because I took the sure but steady route and I have a pension and TSP (401k for federal workers) and that $500k I let ride into VOO but I'll be much older at 60... if that $500k grew quicker and I left my job earlier I could see my quality of life being much better... its like I'm damned if I do and damned if I don't given my current age.

sdrockr

So I'm not trying to do anything with the $450k in the TSP. I would leave that alone entirely until age 59... so by 14 years from now I reckon that should be worth a nice amount and should complement the pension if I were to work until age 60 and get the full pension from my current job. The $500k I have in VOO (in a personal account) is what I'm contemplating using to grow faster... that money currently isn't going to do a damn thing for me to reduce my number of working years unless it grows fast enough... and if it grows safely but surely that means I have a lot longer to keep working.. I kind of want to retire sooner if I can... but its a catch 22 because if I stay in my current job say another 5-7 years I'm going to be like why don't I just keep working so I can get my full pension and healthcare rather than throw away all those years of service.

corndog_messiah

VEA has been outperforming VOO but don’t let that get in the way of your fantasy world

Apprehensive_Two1528

OP will hear a lot of "gambling" comments and it's ok to ignore them.  VOO Last 10 year annual increase is 13.5% ish which is a very good growth no matter where you are. Half a century, it's about 9%. So in general, voo has grown better in the last decade. Do you think that growth can sustain next decade?  If you think it's a good chance it would grow faster next decade as well, allocating to riskier stocks like rklb is a smart strategy. Otherwise, you shall just stay with voo.  If I were you, I would use $100k to buy a principal reaidence and get a 6% mortage and then use $400k left to decide risk up or down. The mortgage is the cheapest way to leverage up ans it's also a hedge when you get old. No one really wants to lease to a 80 Year tenant no matter how healthy you claim to be. 

Ok_Visual_2571

Sell $50,000 of your VOO, move the $50,000 into a separate account at the same brokerage, and make this your play account. Try to be a stock picker with your $50,000 account from now until 12/31/2026. At inception you will have $50,000 in play account and $450k in your old VOO account, which will be nine times larger. If on 12/31/2026 your stock picker account is more than 1/9 your VOO position, contratuations you beat the market. If your VOO position is more than 9x your stock picker account than did not outperform the market. During the next six months if your add money to your account, add $9 to the VOO account for every $1 you add to the stokck picker account. Keep both accounts fully invested. This is the only way you will know is real time if you are beating the market. Many investors picking individual stocks will pick a few winners but losses on one big loser can wipe out gains from several winners and you will see in real time that beating VOO is very, very hard.

sdrockr

I've never really touched this money so its tough to say how sick I would feel if it all turned to zero, but also I can't imagine (let's say I put this in RKLB) that it would turn to zero... so I sort of jokingly say that. The bottomline is unless this turns into a lot more money I'm not really going to do anything with it. The reason the math ain't mathing is because the only way I would be willing to leave my current job that has a pension and healthcare (upon retirement) is if I have at least $2M (assuming 4% withdrawal rate) to support the current lifestyle I have. Let's say I leave this $500k in VOO and it does better and say it gets to $2M in 10 years instead (which is very aggressive), I still wouldn't leave my job in 10 years because for another 5 years I can get the healthcare and pension that I've worked so many years towards...

sdrockr

I'm 45 :-) old enough to know better than to try and throw it all in volatile positions, but that $500k isn't doing anything for me unless it allows me to retire much sooner... if it grows to $2M in 15 years I don't really consider it useful... at least not if I have to continue working those 15 years at my current job.. crazy thing to say but I live well below my means which is why I have that $500k in VOO and another $450k in my TSP....

spilledonwhite

Would be easy to shrug it off and hold if it was just VOO... I'm heavy in some concentrated momentum ETFs (AI). And fucking drones that I thought was the bottom 6/18. And before you tell me to fuck off for not holding naked options, this is literally my 401k. I'm gambling my 401k.

APerson1985

I had a similar experience a couple years ago, blew 6 figures in a week. I had 40k left and knew I would just lose that too trying to get my money back. It was very depressing, but time healed the feeling after only a few days. I sulked for a couple days, took a step back and decided to just move everything out of the account, paid off a student loan with it and closed my account with options. I had about 4k left, opened a new account and vowed to stick to boring VOO and the like. Even though it's not where it was, it has grown pretty quick and it'll be above where it was before I know it. It sounds like you traded like I did. You doubled and tripled down on losing trades, even when you tell yourself you won't. I can't tell you how many times I almost turned a $200 loss into a 20k loss trying to get back to even. I made it a year doing that, knowing it'll eventually get me, and it did. I'd recommend disabling options and don't do it anymore. You can try and be disciplined, but it only takes that one time where you chase your loses and it's all gone again. The worst part is, no amount of winning feels as good as how bad loosing feels.

M48_Patton_Tank

Is it still worth doing VOO?

ButterscotchAward

You literally could’ve put that money in like VOO, just sat on it, and be a millionaire in less than a decade.

ShellshockFarms

Thats fucking crazy. My wife would have fucking killed me. Honestly you suck at this. Just throw your 30k in VOO and go back to whatever job that gave you enough that you decided to gamble it on a SPY 0DTE. You practically threw it in the garbage. Sorry man, but its the truth. Not here to rock you to sleep after you gambled away a life changing amount of money. Don't ever do it again and have a plan, for fucks sake. Im not one of these douchebags here who made it to 4 million off of 250k. Over 7 years, I used a hard earned 60k and turned it into 170k so far. Be smart, nobody is gonna look out for you except yourself. Good luck.

NoOriginal7997

Time for VOO and chill my man

newyorker8786

Just put the 31K in VOO and call it a day

LivingOnWelfare

From now on $VOO is your best friend

billdizzle

Dollar cost average into VOO is my advice

CamiloMarco

Serious question, how are you not seeing that VOO is your hedge? Semis have gone down 9% last 5 days while VOO is stable.

East_Indication_7816

He could have already retired with that . Why risk still? Just need to put in an ETF like VOO

The_Cromulent_Bison

Ouch. And I thought what the straight of Hormuz chicanery did to VOO was nail-biting! Guess I'll skip the day trading for now.

Rare-Possibility8549

Have you considered just investing over gambling? With almost 400k you could have been collecting a nice dividend while also being half in VOO and chilling.

doodsonious

You should definitely not take advice from Reddit on how to slice up your portfolio unless you just want to be one of those annoying Bogleheads agonizing over whether VOO should be 61% or 60% of their portfolio and don't believe it's possible for America to ever flatline economically. Is this a bubble? Yeah, obviously. The insane spending is looking for insane profit that's not happening, the debts are coming due, Altman's begging for govt intervention, AI companies are trying to give better prices when they already can't afford to sustain the prices people are mad about, we don't have the infrastructure for this buildout and nobody wants it, and even the chip sellers are starting to project fewer shovels sold to the gold miners. And every annoying 'nothing ever happens' person on the Internet is like "Nah, this time's different though", which is the biggest red flag of all. But with all of that said, nobody knows *when* the bubble is going to pop, or if it even results in a broad market crash if it does (maybe capital just gradually reallocates somewhere more productive or diversifies out from AI, for example). So keep diversified and try not to overthink things, because that's when you lose money.

verified-trader

**BanBet Won** — /u/Substantial_Ad_4185 (1W - 0L, 100%) | Ticker | Entry → Target | Move | Time | Result | |:---:|:---:|:---:|:---:|:---:| | **VOO** ▼ | $688.46 → $686.00 | -0.4% | 6h 58m | Won |

nivix_zixer

> Two trades a year and makes money Is that taking the two payments from your daddy's trust fund and buying VOO?

bobdevnul

VOO is a passively managed index fund. It is an example of a low management fee fund. You can't get much lower than 0.03% management expense. You won't see the management fee as a transaction in your account. It is deducted from the share price.

nordik1

VOO

WordsHappenedHere

Well I’m 43. And I have in fact been VOO’n for 20 years. I’m also retired now and a millionaire. I trade for fun. If you want to actually build wealth you have to set aside at least 90% of your money and simply DCA into index funds. Leave the rest for gambling.

fen-q

Yes. Although, by principle, picking individual stocks should not be discouraged. Sure, park most of your money in safe places like ETFs and bonds, but purely from learning perspective, picking stocks should encouraged. There should be nothing but posts discussing fundamentals, technicals, moats, giving each other advice, how to do proper DD etc, but instead of that, when someone comes in here and asks something, the general response is "you're too dumb to do this, just VOO and chill" or "you're not the next Warren Buffett, just VTI and chill".

Blade3colorado

What an imbecilic post. I own 2700 shares of NVDA and my profits have been 104.31% . . . More important, VOO owns 7.89% of NVDA and it sits right at the top as its largest single holding, carrying an immense amount of weight in the index. Want more? VTI holds nearly 3,500 U.S. companies (including mid, small, and micro-caps). Because the fund covers the entire domestic market rather than just large caps, NVDA's concentration drops slightly, though it remains the fund's top holding at 6.70%. As others have said here, what the fuck do you want? All of those other stocks you mentioned, sans MSFT, might as well be "mom and pop grocery stores" compared to NVDA.

FreeEnergy001

VOO is a Vanguard ETF that tracks the S&P500.

DaemonTargaryen2024

\> the top 10 holdings are almost identical to the S&P 500. 1. Not the same percentages. 2. The top ten holdings are only 38% of the fund. 3. It has a 88% turnover compared to VOO’s 2.4%.

DaemonTargaryen2024

\> the top 10 holdings are almost identical to the S&P 500. 1. Not the same percentages 2. PRWAX’s top 10 holdings constitute 38.34% of the fund. 3. This fund has turnover rate of 88.4% compared to 2.4% for VOO

tomridesbikes

All my friends trying to time the market, I just keep my monthly contributions to VIBAX,VGIAX,VOO and VYM and don't worry about it.

tgaccione

People learning the hard why SPY/VOO and chill is usually the best idea long term

Top-Fig845

VOO and chill for me now

iloveu3thousand

How are they lower than VOO, isn't VOO 0.03%?

4N8NDW

Missing Out on Megacap Dominance The broad S&P 500's strong performance this year has been heavily driven by a tiny handful of the absolute largest U.S. companies (the "Magnificent Seven" and key chipmakers). Because  VOO is strictly market-cap weighted, it automatically concentrates over 30% of its entire weight into these massive momentum winners. As an "All-Cap" active fund, PRWAX's managers frequently tilt money away from these giant multi-trillion-dollar corporations into mid-cap and small-cap opportunities. That active decision to diversify away from top megacaps hurt performance as the largest stocks carried the market. [ 1,  2,  3,  4,  5] 2. High Portfolio Turnover and Lagging Stock Selection PRWAX operates with an incredibly high portfolio turnover rate of  103.8%. The fund’s management has been aggressively buying and selling positions this year to navigate shifts in inflation and interest rates. This rapid trading has resulted in poor timing, locking in losses or missing out on key rebounds. In contrast, VOO's rigid passive structure means it has barely traded at all, riding the market's upward trajectory without friction. [ 1,  2,  3,  4,  5] 3. Exposure to Hurting "Growth" Outliers While VOO balances its technology exposure with stable value sectors (like financials, industrials, and healthcare), PRWAX focuses purely on aggressive growth profiles across all market cap levels. Smaller and mid-sized growth companies have been heavily punished this year by sticky inflation and a higher-for-longer Federal Reserve interest rate policy. VOO's larger, cash-flush corporations have proven much more resilient against high borrowing costs than the growth companies PRWAX favors. [ 1,  2,  3,  4,  5] 4. Direct Institutional Fee Drag In a year where PRWAX's stock picks are already struggling, its  0.80% expense ratio compounds the damage. VOO's near-zero  0.03% fee allows it to capture the market's full upside. PRWAX immediately starts nearly 0.8% behind the index before a single stock is even bought or sold

Informal-Lime6396

1% LMAO. Can you please check your investments and back test then against something common like VOO? Make sure you're not being robbed blind. After that, open a Fidelity account and have them initiate a transfer of funds.

Autobahn97

Build an automated mechanism to invest on your own. Open an online brokerage account - Fidelity, Schwab, E\*TRADE, Robbin Hood, etc. and link a bank account to it. Then route some percentage of your paycheck to this online account and set up automated buys (at least quarterly if not monthly) of some low cost SP500 index like VOO. If you can ensure a little more risk consider putting 10-25% into a more risky low cost ETF like VGT or QQQM and hold long (decades). Don't check it all the time and never sell.

thetimmyturnip

Throw it in VOO and forget you have it.

adilmasoodkh

Whew, good thing I only put 20% of my portfolio into memory. I was always complaining about VOO, and now I'm glad I didn't sell it for more memory. I'm holding onto that DRAM for a couple of years until it tanks or hits $200.

enitselaP_eerF_

Going all in on MU, big sign on the MU subreddit… *Now my losses are over $30k, and this is the first time I have ever invested in MUU. I have never invested in MU before either. I understand that the fundamentals have not changed at all, but MUU has fallen to the 600s from the 1200s within a week. My heart is pounding because this is my life savings. Going forward, I am only going to invest in VOO, so that is not a question. Is anyone else in the same situation? What keeps you going? I would really appreciate some motivation, as I am at a very low point right now.*

NabotaMessUpMyFace

Lol, if you only knew! I didn’t even know what VOO was until a year ago, and I hate gambling! The only reason I even know about this sub is because my dad died suddenly, and of course he didn’t tell me before he died what HE was doing with his money…so I had to learn, and learn FAST. I work as a public servant, hence the Public Service Loan Forgiveness. I HATE that my coworkers have to pay more than I did for my school loans, and there is ZERO hand waving here. It’s the most unfair, messed up system imaginable, and I do NOT take it lightly whatsoever. My point was, we can do everything right and still get totally fucked, or do everything wrong and yet still get lucky. Not necessarily that I support Ferrari guy’s decision or even Kaylee buying a car if it was beyond her financial means (no idea if hers was or wasn’t actually, maybe she had a really high starting salary - I just always think about how sad it was that she only JUST got that new car before she died). There are SO many little notes on index cards I found around my dad’s apartment when he died that helped shed light on what he was thinking about right before he died…it really put things in perspective for me. He was subscribed to all these financial journals and things, and things like semis and Elon Musk were very much on his mind, yet he still panic sold his Thrift Savings to buy some stupid gold IRA thing like you see ads for on tv. He worked as a postal worker for 43 years before he retired. Since he died, I have been working to untangle the mess he left, and doing my best to make him proud by making responsible decisions to protect every penny he worked so hard for. I’m here on Wall Street Bets bc believe it or not, reading all the comments is both fascinating and oddly educational for me, someone who knew nothing about any of this stuff a year ago. I’m hardly the degenerate gambler/person drowning in consumer debt that your ire should be directed at - in fact, I drove the same 2003 Honda Accord from 2002-2025! I’m probably being overly defensive, especially for this sub, but I felt like I needed to at least explain myself…debt can absolutely ruin your life and should be managed responsibly, of course…I wasn’t trying to make light of it.

verves2

Because most people in /r/investing asking for individual stocks are new to investing and are speculating/gambling a la /r/wallstreetbets. >people like Buffett, Peter Lynch, or Jim Simons would've been told to stop wasting their time and just buy VOO No one like that is asking for advice on Reddit. Maybe if someone who has put significant time on their own and asked a question that indicated that, then some useful and insightful comments could be given. That's why the vast majority of advice it to invest in VOO.

usobeta1000

Agreed. Start with VOO (add VXUS if you want international), auto-buy every paycheck, and ignore the noise. If you still want to pick stocks later, keep it to a small "fun money" slice.

fen-q

Because most people on reddit (probably like 99%) are not good at it, hence why youll see nothing but VOO and chill. Might as well merge this sub with r/bogleheads, you're going to get scorned for suggesting that MSFT is a good buy.

WhiteLotus_1776

Pretty soon you’ll be able to change it to things like VTI and VOO ….. the SPYM is just the starting default ….. you’ll also be able to transfer it to other brokerages like Fidelity and Vanguard ….. give it a chance to get completely up and running Here’s a quote from the article tagged below: “During the growth period, funds must be invested in broad U.S. equity index funds – such as mutual funds or ETFs that track market indexes like the S&P 500 – with no leverage and annual fees and expenses capped at 0.1%. Subject to limited exceptions for cash, no other investments are permitted, including sector-specific funds.” https://www.chase.com/personal/investments/learning-and-insights/article/trump-accounts-for-kids-considerations-for-parents It all comes down to, nobody is forcing anybody to open one for their kids. If you don’t want to open one for your kids, don’t ………… 20 - 30 years from now we will see who’s doing better……… the kids of the parents who opened the accounts and fully funded them for their kids for years until they turn 18 then converted them to Roth IRA ….. or the kids of people who didn’t.

bluntspoon

Jfc. Red week is tough? What about red months? Red years? Just DCA into index funds and forget about them. You absolutely seem like someone who would panic sell and then regret it. Do yourself a favor and just put your money into VOO for the next 30 years. You are not some special flower who is smarter than the market. You do not have some special insight into things. Any success you’ve had to this point has been dumb luck. Understand that and be happier going forward with whatever broad based low cost index funds you pick.

insightful_pancake

I sell VOO today for gain OF $100. Next April, do I owe taxes on these gains if in my taxable account? How about if in my trump account?

Straight_Ad_87

Makes me itch to gamble 0dtes. But I happily parked all my money in VOO, QQQ, and SCHD last month to give my finances a breather from my degenerate gambling and I’m finally making money consistently.

declanpalmerston

I think the first question is whether you’re trying to invest in **the AI value chain** or just the companies with “AI” in the marketing material. Personally, I’d lean toward the picks-and-shovels approach. For semiconductors, I like broad funds such as **SOXX** or **SMH** because almost every AI workload ultimately depends on chips. Whether the winners are OpenAI, Anthropic, Google, or someone we haven’t heard of yet, they all need massive compute infrastructure. I’m more cautious with AI-specific ETFs. Many are actively managed, relatively expensive, and often end up holding the same mega-cap tech names you already own through an S&P 500 or Nasdaq fund. You’re paying a higher fee for exposure you may already have. If I were building a 10+ year portfolio, I’d probably allocate the majority to a semiconductor ETF and complement it with a broad market fund like VTI or VOO rather than trying to guess which AI software companies will dominate. Chips benefit regardless of who wins the AI race. One thing I’d avoid is buying an ETF just because “AI” is in the name. Always look at the holdings—many have very concentrated portfolios or simply repackage the Magnificent Seven with a higher expense ratio. Sorry for the long reply hope it helps

EEcav

Here's what you should do. Give yourself a fake $1000 to invest. Pick stocks and calculate your return using whatever criteria for stock picking you choose. Then compare how your picks do against VOO or some other S&P500 index. If your method does better than VOO for a year, then you should start investing real money using your system

itzfaint1397

guys should i just say fuck this shit and VOO and chill?

Various_Couple_764

With 7 million in VOO the yearly dividend will be about 70K a year of cash income. And since dividend income is more stable than share price. in a downtrend you are likely to still get a 70K dividend.

DarkVoid42

no. just buy VOO+VXUS 50-50.

MobiuS_360

As everyone else said buy broad ETFs like VOO, VTI, VXUS, etc. But I don't think it hurts to buy individual stocks if you believe in it and actually invest. I've invested a lot into GOOG for example because I think over the long term it will be a good investment. But 90% of my portfolio is still broad ETFs. If you don't believe in any individual stocks or you only plan to invest in them for the short term then you're better off with only ETFs.

amg-rx7

VOO and chill is probably the way for someone like you

Vast_Newt_1799

I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM

TheRealArmament

Just VOO and chill regard you’re not the chosen one

Educational-Ad-4908

The safe route is VOO/QQQ??? You’re basically investing your entire portfolio in 8-10 stocks. At this point VOO and SPY are about 93% correlated

therealjerseytom

> for the long term (5-10 years) That is not long term. > The Safe Route: 60% VOO/QQQ, 40% high-moat individual stocks (MSFT, LLY, BRK.B) And this is absolutely not a "safe route" over that short a time frame.

CreatingCreatively

Wrong sub bro, it's only VOO & ETFS here

winterrules91

405 @ 89 avg. Btw when I say port, I mean for the account that I actively trade stocks with. Other accounts are VOO and chill.

DedRook

$T $VOO That's it. Over $500k in VOO and $165k in T

Famous-Ask1004

VOO MSFT Cash

OutspokenLurker

You need a lawyer before a financial advisor. Something like VOO is planty aggressive (and nobody will be able to show it's not prudent for kids). So that's the way part. My concern here is that you would pool things. If they are separately titled (e.g., Joe owns 104 Milton St., Newt owns 105 Milton St.) the comingling proceeds (rent, sales) or paying related expenses (taxes) is highly problematic. It's basically impossible to track and proportionately disposition everything down the line. You'd need to maintain separate accounts for every child. How are the inherites properties (or real estate interests titled)? Only if it's "joint tenant with right of survivorship" or something similar would the asset held in common and you could route cash outflows to a common/comingle account. But the person giving the property must not like you (or maybe the kids) if they did that. It sets up a scenario in 15 years where one kid realizes "hey, Newt got camps and sports fees and a car that I didn't get, so the fund is smaller than it would be otherwise." And then they come after more than half of the remainder. I'd have similar concerns if it's in trust or UGMA or whatever. The recordkeeping would include market fluctuatioms between cash flows or assignment of phantom shares or something. Total PITA compared to keeping parallel accounts.

smexypelican

Dude I love it here lol I boglehead 98% in boring stuff like VOO and VXUS and buy meme stocks with the 2% to feel something

yuiop300

Outside of regiment accounts NVDA QQQ VOO

Wilsonian_1776

That is why I choose QQQ over SPY or VOO.

learn2die101

Homie hasn't heard of VOO and chill

D_Pablo67

Come up with a split between VOO and QQQ. No one will argue against that 10 years later. If you want some pop, sprinkle in a few shares of SpaceX and NVIDIA, but keep that as a low single digit percentage.

sixjasefive

VOO, QQQ, VTI…equity is TD Synnex, for years.

ImpulsiveRabbitHoler

Amzn VOO Nvda/MU

Various_Couple_764

VOO and SPY are both the same funds both invest in the S&P500 index. so there is no reason to have both. pick one and most all your money into that fund And there is no need to have a large cap and small cap fund or a tech heavy fund. S&P 500 already has a lot of tech in it. You could invest in VTI which covered most of the US stock market and then add VXUS for international growth. OR you drop all of this and invest in VT which increase in all stocks domestic and international.

Tojuro

SPMO is 20% of SPY/VOO Pick the 20% of SPY/VOO that's high risk.... What's the riskiest 20%? Anytime you go from 500 to 100, there's definitely more risk. You definitely risk more volatility this way. Still, it's far less risk than a market specific ETF. I stand by my statement that any random 20% of the S&P500 is low risk. That goes for any 20% of it, and especially the best performing 20% (over the last 6 months).

Cloud2987

VOO, QQQM, and SGOV… last holding is 5% IBIT. I’m boring

rndname

Top mentions aggregated from this post: 1. MU 1. GOOGL 1. NVDA 1. RKLB 1. AMD 1. MSFT 1. ASTS 1. NBIS 1. RDDT 1. VOO

Sihtegroftnod

Jk, SLS, DRAM, VOO….watching DISK and LASR

trix_is_for_kids

VFIAX (VOO but a mutual fund) half my port GOOG AMZN

ccgogo123

VOO VT PL <- i didn’t expect almost five times my cost basis in a year

DoinIt4DaShorteez

The only thing I would say is that if there's an ETF that matches or is close enough to the mutual fund, go with the ETF, if only for the fact that you can trade it during market hours. Mutual funds get priced at the end of the day after the close. If you put in a buy or sell order in the middle of the day, it doesn't get executed until after the market's closed. As for Roth vs other types of accounts, there can be reasons to put certain types of stocks in a Roth (or other retirement-type account) instead of a regular brokerage account, but spcifically when it comes to aggressiveness or your investment mix, personally I wouldn't use different types of account to segregate growth vs income. There's nothing wrong with just having SPY and/or VOO plus maybe some QQQ until you get close to/in retirement at which point you want to get a little more defensive.

Better_Passage2581

Sell and put it into VOO and forget about it again.

D_Pablo67

Target dated funds are designed to generate fees. Investing is best done as a steady patient habit. Create a budget with the amount you want to save and buy a broad based index fund every two weeks. Start with Vanguard’s S&P 500 ETF VOO for your first $10,000. Then half VOO and half QQQ NASDAQ 100 for the next $10,000. Then keep going or look for some individual stocks. If you are looking for stability and dividends, companies like Johnson & Johnson, Procter and Gamble and Medtronic. If looking for growth and can tolerate high volatility, SpaceX, NVIDIA, Micron, etc. Build the base in VOO and QQQ first for stable long term growth with less volatility than individual stocks, then fill in with stocks that meet your goals.

kosmokramr

For retirement VOO. For high risk high reward Marvell

hooper610

Look at Microsoft from 2000 to 2012 or Cisco from 2000 to 2026. We didn’t have VOO back then either. Everyone was in individual stocks. Shit didn’t come roaring back.

hidden-daddy

I think I probably should put some international in there. I’m probably only gonna do 10 or 15% if I do. I was researching the S&P 500 yesterday and saw that it’s like the top seven companies that’s holding are pretty tech heavy from what I saw. I just see a lot of people in here. A lot of people say VTI and chill or only invest in VOO and just other ideas that are really simple which I love I just don’t know if it’s the right thing to do or not. I do understand that it’s lots of companies being invested in within an allocated fund, but I just want to be sure.

Necessary-Dog-7245

Economy slows down. Maybe a bubble pops, maybe there is political stuff, maybe your banking system sold a ton of financial products that were backed by mortgages that may not have been as good as reported. Doesn’t really matter, the economy slows down. The feds biggest lever to pull is interest rates. They lower interest rates to get companies to borrow more and presumably invest that money in a new factory (or whatever it is that makes them money). If you were holding a bond with an effective interest rate of 5% and now the cost of borrowing is 2%, you probably have some regret. Your bond is still making you money and you’re still getting 5%. Hopefully stocks go up, but they may be losing value. Sure your bond lost value, but not like VOO.

Major-Pin5871

Pure gambling and you came so close to losing it all. Bail out and invest in VOO

Possible-Lock181

VOO/AVUV/VXUS Some stocks that are valued based on their dividend yield like EQIX & OHI are good too right now. Take advantage of the tax free

TreGet234

I don't think blindly being in VOO is the best move. But buying high beta stuff at the top isn't either. Also fuck metals.

cloud_cafe

Some of you lost YTD against VOO and it shows

sparkle_and_twist

VT , VTI, or VOO. Pick one and dump money into it repeatedly