Reddit Posts
Will the Tech Sector continue to outperform long term?
Moving out of private wealth management, advices needed
Question Regarding a 529 Account for Family Members
How long do you think it'll be before an AI will be able to crush the stock market?
Advice for an 18 yo that just got into investing
Instead of "Don't fight the Fed", should it be "Don't DCA into VOO when 2 the year swings 117bps in 5 days"?
am I supposed to just keep throwing money at this thing?
Everyone says that VOO/VTI are safe bets. Well I'm down 20% so far and i'm getting tired of it
Should I invest $1000 into $VOO before $QQQM?
After a Roth IRA transfer to Schwab, when can I sell, then buy?
IF someone starts young, what if they were always 100% VOO or VT etc?
Once again the regards on WallStreetBets are dead wrong… RIP your puts
Was I supposed to receive a fox form for my Roth IRA in this case?
VTSAX vs. VOO - Total Stock Market vs. S&P 500 Funds
Moron with a $1 million. Savings, s&p500, or $AAPL?
Looking to branch out from VOO as a young investor
Is it stupid to invest in these stocks as a non-US resident ?
What Would Someone's Portfolio Be That'd Make You Go "Damn! THAT's A Good Portfolio"?
Does wash sale rule apply to VOO if you utilize options with SPY but hold VOO long term?
VYM vs. VOO: Which ETF is the Best for Your Financial Future
VOO vs. VOOG - Comparing Growth vs. Broad Market ETFs
VANGUARD VOO ETF - WHAT HAPPENS IF THE MARKET CRASHES?
What should I start investing in (long term safe growth)?
Hey, I’m 69 and looking into asset allocation for my long term buy and hold portfolio.
General Consensus on Multiple Investing Strategies?
Is creating a 5 fund sector for fun a bad investment idea?
Long term investing - beginner - help needed
advice on using my money to earn more money. (bills, bonds, treasuries, cds, dividends, VOO?)
What advice would you give someone who wants to invest everything in just TQQQ?
can qualified dividends offset carried over capital losses?
Is there a tool/calculator to see a portfolio performance retroactively?
Considering starting to diversify into REITs. Looking for thoughts and suggestions
Why starting investing in a bear market could be beneficial.
How are we not in a recession? What are stocks hiding?
How can I get my wife to start looking at her retirement fund seriously?
How to know what will be considered a wash sale (ETFs)?
My entire Roth is in large cap. Can someone please suggest some mid and small cap etf?
should i contribute more to my 401k plan or continue to invest $500-$1000/m in my Vanguad portfolio?
Wealth management firm results for past 2 years. What do you think about it?
Mark's #1 superfan right here; dumped VOO for the no-brainer 100$ META shares. META h8rs where u at?
Mentions
Vangaurd funds. Plenty of choose from, VOO is a safe bet for starters (or anyone)
It was definitely better to say nothing in this situation lol. Even then though VOO was 368 on Jan 30th and it’s 371 now. Worst that happens if you followed his advice is you lost less than 1% lol, and there was a good dip in there anyways
They both track the same index but VOO has a lower expense ratio 0.03% vs 0.0945% That makes SPY more than 3x expensive for the same fund
Haha I was joking. You're not gonna find anyone with good info really. Analysts don't know wtf they're talking about and no one on social media knows wtf they're talking about. Once upon a time this place had some good dd but that's pretty much over. You really do have to do your own research and just learn from experience. Alternatively, just buy/DCA and hold index funds that track broad markets like VOO and QQQ.
I'm probably going to make a few hundred bucks when the government says something scary - then, if the fear is strong enough, I'm going to go back in bull mode on whatever I feel is safe to buy the dip on. VOO, MSFT, APPL, ONEQ, V, maybe some healthcare - whatever. Really depends on how the PCE comes out, what long-term stocks are in the best position, and, most importantly, how people respond.
I would probably put about 80% into something like VOO and put the other 20% into large valuable companies across multiple sectors. I would avoid certain sectors though, like utilities, energy, communications, and consumer discretionary. That's just my opinion.
Run as others have said. You can have an account setup and funded within an hour. Go to Fidelity or Schwab and create and account. You can transfer money from your bank. Then select an ETF like VTI, VOO or SCHD. That's it, you don't need an "advisor", especially a predatory one.
So I will use Ramsey's notoriously amazing investing advice as a backbone for my suggestions, and I'm going to use the ETFs, but you can just look for the mutual fund versions. "Growth": Blue chips. For this, VTI and/or VOO. "Growth and income": Blue chips with dividends. This honestly is not the best growth strategy and is instead more of where to move money once you actually retire. You can safely ignore this pre-retirement. My pick is SCHD. "Aggressive Growth": This is where I actually like what Ramsey says differently. Putting 25% in something more volitile with more potential can pay off big. My picks are VUG, QQQM, and VBK. "International": VXUS yo. This leaves you with 50% VTI/VOO, 25% VXUS, and 25% aggressive growth. This is a solid mix. Ramsey still thinks beating the S&P 500 is easy, but he's wrong. He would also have you pay high fees for actively managed funds. Eww.
Amigo, I'm up 15% this year riding my VOO/VUG/VGT portfolio. After being down 25% last year. My concern is simply that the stock market seems to have broken correlation with the bond market. Going back to COVID March 2020, they were correlated. Not anymore (as of SVB blowing up)
Got it okay thanks for the advice! My question is that I’m already doing an 80/20 spilt with VTI and VXUS in my Roth which I have already maxed out for last year and doing again this year. Should I invest 90% of my personal portfolio in VTI again or would you do something different like SPY VOO or QQQ? The 3 other companies I would do would be APPL Tsla and Meta. But 10%.
I keep thinking about this and about it not being considered a wash sale so far. Could another way of looking at this be that, if you are investing in VOO or VTI, you're not investing in the index they are tracking. You're investing in that fund, that then that fund is investing in the index they track. So while two funds that track the same index, you're technically not directly buying the same stuff. You're buying different companies, that happen to then buy the same stuff.
[https://investor.vanguard.com/investment-products/list/etfs](https://investor.vanguard.com/investment-products/list/etfs) Yes; VOO, VT, and VTI are some of Vanguards ETFs.
Its sort of frustrating the IRS has not put forth clear guidelines on wash sales . So far I have never heard of exchanging two funds that follow the same index count as a wash sale (VOO/IVV) but as you said the IRS could change its mind Even the rules put forth don't exactly make a lot of sense if you look at price correlation Sell VTI and buy ITOT ; I guess its fine because different managers , slightly different index even though they will be 99.9% correlated. Sell SPY then buy and ITM call, well that is a wash sale however while the call will move in the general direction SPY moves in the correlation will be much different .
Now, the thing you need to watch for is a sale and purchase on the same day, with different settlements. * Say you want to sell VFIAX and immediately purchase another mutual fund; you put both orders in on the same day. * No problem: the trades settle the next day, the purchase using the funds from the sale. * Say you want to sell VFIAX and immediately purchase VOO; you put both orders in on the same day. * No problem: the Mutual fund settles the next day, the ETF settles the day after that using the funds from the sale (which sat "uninvested" for a day). * Say you want to sell VOO and immediately purchase VFIAX; you put both orders in on the same day. Call that Tuesday. * **Problem:** the ETF sale settles on Thursday, BUT the MF purchases wants its funds on Wednesday -- which are not yet available. In my experience they'll still let you do that last one, because they can see the funds are "committed".
Imagine being a stock sub and only talking about the virgin VOO. Clowns
VOO has a dividend yield of 1.63% https://finance.yahoo.com/quote/VOO/ So you would need 1 / 1.63% = 61.3 shares
Using a dividends reinvested calculator shows that they performed almost identically. KO getting an annualized 10.46% return since 3/30/2018 and VOO getting an annualized 10.38% return since the same date. Even their nominal returns aren't as different as your making them out to be. Nominal return since 2018 for KO is 40.82% and for VOO it's 55.48%
Lump sum into SPY/VOO now or wait a few more weeks until earnings to see if it market goes back down at all. Building a portfolio to hold for a long time and looking to see where to park the last of my capital. Im young, 25 if that matters
Lump sum it into VOO. The market is already in a pullback so most of the risk you would be trying to mitigate by DCA'ing is already somewhat mitigated. Invest it and don't look at it for 2-3 years.
I'm not sure how accurate this is, but I like to look at ROCE for banks. Seems like since debt is their "asset", their long term growth should reflect their ROCE. If it's greater than S&P, they're overweight, if less, than underweight, but you probably need to do some DCF and add a little extra for the risk of an individual equity vs index. Long story short, they can be good plays but for us common folk, just seems like buying VOO/VTI is going to be as effective if not more so when you look at big picture, long term, risk vs reward components. I own a bit of JPM, but also like brk.b, been investing for my children and adding brk.b for them.
The popular ones are VOO and VTI. Honorable mentions are SCHD and BKLC. Some folks might mention nasdaq ones but I wouldnt bother. They are well represented with the other low cost ETFs and the nasdaq ones typically have a higher fee. These 4 are popular because of low fees, or no fees for BKLC. SCHD is slightly different than the rest due to its focus on dividend payout. No one knows which one will outperform. Just pick whatever you want.
Invest only what you don't need for 10 years. Don't pick stocks of individual companies. Only pick broad market funds... VTI, VOO, SPY (tracking sp500)
SPY is State Street which runs $2.8t in assets. MOAT is VanEck which sells a bunch of specialty ETFs getting them $38b under management. SPY has to directly compete with funds like VOO, IVV, with expenses ratios of .03% and similar indexes like BKLC with an expense ratio of 0. Now in terms of what is MOAT. MOAT is an equal weighted index of 40 companies. Equal weighted indexes cost more to run than cap weighting incidentally. The companies are chosen based on value criteria plus MOAT criteria. High MOAT scores are based on: * Network effect—Present when the value of a network increases for new and existing users as the network grows. * Cost advantage —Allows a firm to sell at the same price as competition but still enjoy economic profits thanks to lower unit costs of production. * Efficient scale—When a company serves a market limited in size, new competitors may not have an incentive to enter, particularly when the cost of market entry is high. New entrants would cause returns for all players to fall well below the cost of capital. * Intangible assets—Brands, patents, and regulatory licenses that block competition and/or convey meaningful pricing power. * Switching costs—Whether in time or money, the expenses that a customer would incur to change from one producer/ provider to another. So basically cheaper than average stocks likely to be able to maintain margins for a long time. Certainly a reasonable value / GARP investing strategy. Between the two I'd like MOAT better but total return... is a function of value having finally had a good year. Moat investing has been popular for a while but Morningstar specializing in it certainly has broadened the appeal.
Put a couple hundred bucks into $VTI or $VOO every week. As a lot of other people have mentioned, you can't time the market. Incrementally buying into the market forces you to cost-average and lowers your risk. I too think we are in for an interesting year, so maybe put 20% into a short-term bond. I'd also keep 5-10% as cash in case the market takes a dive, and then you can buy "on sale" to average out.
Since Vanguard offers fractional shares for their ETFs, you can use VTI for a bit more diversity. If not, VOO is fine and a S&P 500 ETF. Keep investing into it until you reach $3k in your Roth IRA. From there change it into VFIAX (S&P 500 index mutual fund version) to automate your investment monthly.
downward trends at stock purchase times are better due to being a discount though right? I ponder this as I see VOO at 368 when I once was getting it at 415. I kinda wish it fell more to be even more affordable. I assume the value returns as demand surges around holiday times and as new folks get born. But its just my own thoughts on it.
I was born in Capljina and I came to Canada when I was 6. This isn't financial advice but invest in VOO, VTI, and XEQT. Have a great summer brate.
Yeah, it's a process. You gotta start with extremely diversified ETFs like VT/VTI or VOO, then QQQM, then if you want to pick stocks, start with those in the S&P 500 or Nasdaq 100. Later on, if you're *extremely advanced*, you may start investing in smaller companies, which is how Warren Buffett got rich. Most of us won't ever be able to invest in small companies effectively.
It's a lot of holdings. Large caps too. First, throw away ARKK, seriously. Then put whatever you want to keep low-risk in SPY, BRKB, VOO, VXUS or VTI, and try to add some risk to your portfolio. You're 19, find a company you like, understand (maybe in the field you're studying or working in today) and think is promising, then put some money you're willing to lose in it. Sell some covered calls for income if you like.
No dude. If you’re 18 then risky is just going VOO and not worrying about it until you learn what you’re doing. By most accounts a 90/10 split is “aggressive”. Telling an 18yo to DCA into those particular positions is just bad advice.
>Go with ETFs not mutual funds. ETFs are more flexible. VOO and VTI are ETFs. For long term investing mf are fine. Most people do not need to buy/sell during the day
[https://www.investopedia.com/terms/e/etf.asp](https://www.investopedia.com/terms/e/etf.asp) SPY, VOO, VT, VTI, FXAIX, SCHD, etc. [https://www.morningstar.com/etfs/arcx/vt/quote](https://www.morningstar.com/etfs/arcx/vt/quote) I personally like to look up etfs on morningstar to check them out, and you can go to the Portfolio section to get a glimpse of some of the companies held in the index.
26. $1500/ month into VOO since 18. Back then it was more than half of my income, was renting a single room with shared bathroom for $300/month, drove a beater Civic, and eat at work (restaurants). 27 now and I should clear $125k this year. What’s my next step? Keep doing the same thing, maybe up the monthly contribution to $2500 to scale up with the income. Still drove another beater Civic, still live way below my means, it’s boring, and boring is good.
Oh god ARKK Other picks look good enough, but I’d do VOO over SPY
ARKK is junk, imo. She's selling hype. Otherwise you're basically in big tech, plus KO, COST, and VZ. Why did you choose those? I'd imagine you could just buy QQQ and have similar results with less risk. Or just put it all in SPY, since you are basically buying the biggest parts of SPY. Also, VOO has a much lower expense ratio than SPY for essentially the same thing. You might want to review expense ratios.
Be careful chasing dividend yield. Their stock has been basically flat the last 5 years, and their revenue is down 37% Y/Y. I think you're better off sacrificing some dividend yield for some growth potential. I'm all about ENB right now... but there's lots of good options. Or you could just be like 90% of r/dividends and just get VOO and SCHD.
Add into the etf VOO every month, don’t make it complicated.
Go with ETFs not mutual funds. ETFs are more flexible. VOO and VTI are ETFs. VOO is a mirror of the S&P500, which most people refer to as "the market". Start with that. https://www.google.com/finance/quote/FSKAX:MUTF?sa=X&ved=2ahUKEwiTqsGE3oH-AhVVAzQIHU9pD18Q3ecFegQIHBAX&window=5Y&comparison=NYSEARCA%3AVTI%2CNYSEARCA%3AVOO Never forget about your money. Do that and someday you won't have any money.
If it is in cash now, but at least 1 share of whatever the equivalent of VOO is that is available to you. As time goes on, decide if you want to put more into stocks or not.
About to finally open a Roth IRA on fidelity. I’m 35, and have no idea what to buy in the account. I’m going to put a few thousand initially when I open it. I see ppl talking about ETFs like VOO and VTI but also see ppl talking Fidelity holdings like FSKAK I think it’s called. What’s a good one for my age that I can set it and forget it
VTI and VOO are not comparable to JEPI. JEPI = Income VTI/VOO = Growth With JEPI you are trade growth for income so pick depending on your needs/goals.
Putting everything in VOO until Volatility returns
Now you are learning my friend. You can either ask a bunch of anonymous people who you can't trust are beating the market in terms of returns. Or you can spend years studying actual masters of investing (I'll throw out Buffett and Peter Lynch as a couple of names). If you do the second way, at least you can find a style of investing that suits your mind. Don't listen to any advice, because there's no way of knowing if it works or not on an anonymous forum. If you don't have the time or energy to read up on it yourself, Just buy VOO (the market index) and go and enjoy life.
I have more than 2, but the ones I have funded most recently are VOO and QQQM. Both are large growth-stock ETF's which are not doing great at the moment (hence why I am leaving most of my money in cash). But if you want just two those have good long term growth potential with minimal long-term risk. I also have VFIAX which is the mutual fund equivalent of VOO.
If they sold into cash 1 Year Ago, then that money is at least 11% more valuable than if it was all in SPY or VOO. If they sold $100k of those equities, it would be worth $89k today. If they put it in a 3% HYSA it would be worth $103k. Huge difference
Sell VOO position. Sell VTI position. Buy gunpowder, collect all spent shells at gun range. Reload. Profit. also bottle caps.
A basket of currencies, much like an index. Instead of writing a contract for X number of U.S. dollars, you would write it for Y number of basket shares. It would not be any different than promising to pay someone one share of VOO instead of one share of IBM.
I invest in FZROX in one of my accounts and my kids custodial accounts. Dave Ramsey preaches “growth stock mutual funds at low cost”. Do some research and find one that you like, at a good cost. With that said you absolutely can’t go wrong with ETFs. Some great ETFs are VTI, and VOO.
80% into S&P500 (VOO) 15% into bitcoin 5% into ethereum
I sold my ARKG for a 70% loss. No regrets. Lessons learned. I can't pick shit. I bought VOO.
Sold all my ARKK to fund VOO and QQQ
Is this something I can do monthly? I want to invest monthly to VOO which can range from $4000-30000
25% VTI, 25% VOO (redundant but was my response to indecision, 50% in either works), 25% VXUS, and 25% "aggressive growth" which is a mix of VUG, VBK, and QQQM.
You have $150k in savings and are looking to only put $5k in VTI? You are holding way too much cash and are under invested. Take like $60k - $100k and invest in index funds. r/Bogleheads has a lot of info for you. But you are losing A TON on money in opportunity cost with so much cash uninvested. I suggest taking enough to fill a Roth IRA and do it for this year and last year (last year can be filled up to tax day). That's $12.5k. Make a portfolio that is 75% VTI and 25% VXUS and hold for the next 3 decades with everything auto reinvesting. Start pushing the rest of the money into a taxable account. VXUS is like VTI for international stocks. This fund will likely underperform VTI but will give you excellent diversification at 25% of your portfolio. Another alternative is to make 20-25% targeted at aggressive growth funds. VUG, VBK, and QQQM are what I use for this category. This would mean 50-25-25 as your precentages. SPY is heavily traded but is totally outclassed by VOO and it's 0.03% fee. VOO is also a share class of VFIAX, the largest index fund in the world and the granddaddy of index funds.
>They picked American Funds (GAIOX). Is this the best choice for my money on a \~10 year investment? There's a 5.75% front end load You're using an expensive advisor and an expensive fund. There are plenty of zero load mutual funds out there. >I compared the YTD gains and GAIOX at 2.55% vs the VOO at 3.86% has me questioning this approach. You shouldn't use YTD as a benchmark for performance. However, long term it appears this fund lags VOO, which you can bet is probably impacted to a large degree by its high fees. If you're comfortable choosing your own investments, why aren't you just sticking with a no load fund like VOO whose only fee is the 0.04% ER?
Just joining the Roth game and I was thinking for the next 15-20 years (retire somewhere around then possibly) maxing the $6500 or whatever it creeps up to into just VYM? Or do a VYM/VIG/VOO split and just keep doing this for the next decade plus? Thoughts?
Don’t you think you should be a little smarter after what happened with bank stocks? Any stock can go from ATH to ATL in a matter of minutes or a day and you won’t be able to react at all. Put that $2500 into a S&P500 ETF (VOO) or a total market ETF (VTI).
I started investing through my financial advisor at $1100/month in a standard investment account. I told them I was open to more risk as I am also contributing heavily to my Roth 401k (almost maxed out). They picked American Funds (GAIOX). Is this the best choice for my money on a ~10 year investment? There's a 5.75% front end load. Is this good for this type of investment? This is the first time I'm really aggressively investing and not using M1 in VOO. I compared the YTD gains and GAIOX at 2.55% vs the VOO at 3.86% has me questioning this approach. I haven't had any growth since the fees are higher than the growth. I know the market isn't doing so great (that's why I'm aggressively buying right now). I'm just trying to see if this is where my money should be. This is through Northwestern Mutual. Is there any other fee that I should be asking about?
Not sure why you are mentioning the brokers as if that makes any difference. Agree with what the other commenter said about building a base of SPY and QQQ. Although I would use VOO for S&P because the expense ratio is less.
I was refering to the past five years. March 1, 2018 to March 1, 2023 both KBWB and KBE have returned a mere 10%, and of course they are a big loser if you include this past month too. At the same time, IAF, which is broader financials, is up 30% and VOO is up 60%. Your idea of comparing the time frame after the 2008 crisis is a different approach that has merit. There certainly is opportunity in banks, but danger too, and it is one of those things where the rules could change in an unforseeable way, like government intervention, so you might analyze something right but it turns out wrong.
Those are the ticker symbols for said ETFs, VOO is the vanguard s&p500 index fund, SCHD is the schwab us dividend equity fund, both are fantastic "set it and forget it" type of investments
Is VOO/SCHDa company name? 😅 Sorry not too familiar with all the lingo. I use as Charles Schwab as my broker also. Idk if there good enough. I most got them because they have 0$ starting requirements and I was broke at the time.
Good ole VOO, or swaggin SCHD if you're partial to dividends
Put $12,000 each in VOO, VGT and VTSAX then wait 35 years. You'll beat 99% of everybody here. Spend the other $500 on a badass night out with your girl or family. Money buys you everything but more time on this planet.
VTI/VOO and chill for 40 years. If you did only that you'll beat 75% of your peers. Revisit the bond idea when you're 5-10 years pre-retirement
>Most people are just buying SPY or VOO or QQQ in their IRAs and for that comparison, this would be no different. That may be true with a newer and younger investor that wants a 100% equity portfolio. But investors with larger account balances who may be closer to retirement are going to want to have other asset classes. And the number of questions from people in this subreddit asking about brokered CD's and money market funds (which are not available on Robinhood) makes me think that even younger investors are seeking some allocation of fixed income products. I really think that Robinhood is a tough sell for a retirement account. The demographic that Robinhood is targeting is fine - but the problem is that once someone has investing experience and/or trading success - they outgrow Robinhood and it's limited services.
More of a VOO man myself but yes
I’m thinking JEPI in my Roth too. What was your conviction to buy JEPI over VTI/VOO?
I appreciate you listing actual downsides instead of just saying Robinhood sucks. I think you bring up a lot of good points, none of which really affect me but are good to know. Most people are just buying SPY or VOO or QQQ in their IRAs and for that comparison, this would be no different. Definitely agree that it is not a sustainable business model and that's probably why it's only a promotional event.
That was me about half my money was picking stocks and I felt like a genius for about 1.5 years. Then I realized how silly that was and that expecting 100% yearly returns is actually quite unrealistic lol. I'll still do some of my own picks going forward but I've upped my VOO deposits to about 90% of my investments.
I mean, if you're planning on holding for more than a year, you should be in VOO rather than SPY anyway. Expense ratio matters in long time frames.
I'm in VTSAX but I also see VTI and VOO mentioned a bunch and I'm not sure of the difference. Can you help explain please?
Start by continuing to educate yourself. There is no critical need to do anything today. The basic investment, the thing most people mean when they say "the market", is the S&P500. You can buy a copy of that via an ETF. The VOO and SPY etfs are the largest that mirror the S&P500 VOO is slightly cheaper, so you should look at that one. Start by assuming you put your money in VOO. See how that would have done in past years. Imagine that return over your timeframe, also somewhat higher and somewhat lower return. Now compare anything else you consider to that VOO benchmark and don't do anything that seems likely to do worse than VOO. You can make hundreds of adjustments over the next twenty years, but just start with getting at least one share of VOO and go from there.
VTI is 4500 or so companies, vs. 500 with SPY/VOO. More diversity.
I like VTI better than VOO, more diversity. You're right - $25K is 20% of $125K. That's not a house you want to live in unless it's in a place you don't want to live in.
As you're young, you should focus on total returns, but dividends do make up a substantial amount of returns. For this case, I'd say focus on either VOO or SCHD. VOO will give you avg returns and dividends, SCHD will give you roughly 33% more in dividends, but its price change may not be the same as the market (could be either more or less). As these are both etfs, you'll be entirely hands of in management.
Im curious why VTI over VOO. I hear lots of folks lean VTI but over last 10 years VOO has outperformed slightly with no performance downside (e.g. - lower lows).
Only problem with VOO is liquidity in its options. Liquidity trumps everything when it comes to options
Right. That’s why I said to use VOO if they decided against selling CCs
Buy and hold VOO, if you are going to run covered calls use SPY. The liquidity selling is far higher than VOO can ever be, not to mention the spreads are small with SPY, VOO spreads are much wider and it trades options in nickels.
To Wikipedia to learn and then get ideas from here and read balance sheets, do modeling, and all that fun stuff. Or just but ETFs like SPY or VOO and track the market. Best way to do it for 99% of people
If you choose against this (wise), consider using VOO as your sp500 etf, same holding as spy, much lower fees.
Increasing dividends means you’re just selling stock. Stick with VOO for the next 10-30 years and chill.