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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
I’m cracking up at you constantly bringing up my wealth and simultaneously talking about contributing nothing of substance. Pot, meet kettle. Also it’s so funny how we all have access to the internet and yet somehow, the loudest most obnoxious people seem to be the most wrong > VOO does not return more on a risk adjusted basis when compared to VT or VTI I thoroughly enjoy how this is just flat out a wrong statement. First of all to establish things, VTI has only been around since 2001, VT since 2008 and VOO since 2010. Using sharpe ratios for each on a 10 year scale we get VOO: .85 VTI: .79 VT: .67 VT only wins over the past year. Now if we backfill data like a lot of portfolio sites do, I’m using lazyportfolio in this case, we get the following sharpe ratios on a 20 year timescale. Not going to even bother with 30 year because it’s the same result. VOO: .63 VTI: .60 VT: .42 Unlike you, I don’t run around calling people poor and sounding miserable all the time while also being wrong about whatever I’m spouting off. Even if you have wealth, it doesn’t magically make you happy clearly https://www.lazyportfolioetf.com/etf/vanguard-sp-500-voo/ https://www.lazyportfolioetf.com/etf/vanguard-total-stock-market-vti/ https://www.lazyportfolioetf.com/etf/vanguard-total-world-stock-vt/
Forgot to include reinvest premium in broad market based funds (SPY,VOO, VTI) You should only rebalance 1 time a year after a company releases their 10K. You aren't making money if you don't research the companies you want to purchase and making sure they have high intrinsic value You aren't keeping your gains if you are illogically rolling It's not simple, but it's not hard. I make money when th market goes up or down.
I think selling VOO and buying SPY or FXAIX will be considered wash-sale
80% VOO. 20% well diversified in profitable and super durable high beta companies. Congrats, you will now crush 90%+ of ~~institutions~~ retards called "smart money".
I'm long on both XOM and CVX. I'm also long on some utilities: DUK, ED, and AMGN. I also have small positions in VLO and ENB. With these I am generally up, but not beating VOO, and have been collecting dividends, some as DRIP others to invest in other stuff.
Opinions vary, but my view on the sell for 31 days and then buy back in, isn't the ideal approach. The preferred approach would be to sell the thing that you may want to buy back later, and immediately buy something that is highly correlated. Consider if you had a loss in VOO, you could sell it and immediately put the same value into SPY or FXAIX. To date, no one has provided an example of the IRS considering different index funds to be similar enough to count towards a wash sale. So, so long as that is an option you can generate a loss without losing exposure to the underlying assets.
A lot of my regular holdings didn’t do great, but my portfolio got carried by aggressive RKLB/RKLX positions assisted by long term SPY/VOO holdings. Crazy year.
What should he do after cashing out? $VOO?
What? So you’re entering into a thread started by an individual talking specifically about chasing returns and not understanding the difference between VOO/VTI/VT when it comes to risk. We are talking about risk of the financial assets themselves not portfolio construction based on where someone is in life in relation to age and retirement. Again, if that’s all you’re doing you don’t have much money anyways and should not be chasing returns. You can have a multitude of “risks” and the number one way you can tell someone does not have a good understanding is when they default to thinking “risk” is only in age related portfolio construction. VOO does NOT return more on a risk adjusted basis when compared to VT or VTI. It only looks that way to people who don’t have the education or understanding of why “big number better” is not a good way of wealth generation. Again, you don’t have wealth - I can tell by your responses. Btw - trying to quote someone out of context on a completely different topic because you don’t have anything to say that has substance…. It’s actually pretty pathetic.
Don’t mention Berkshire when Buffet literally tells normies to VOO and chill. When should you behave like Berkshire? When you’re a 90 year old billionaire and a lifetime of experience. You should be automated. You shouldn’t have large cash accumulations. You don’t realize it, but you’re rationalizing panic sell behavior. Find a trustworthy pro. Best of luck.
"I think replacing spy with voo would likely trigger the wash sale." -- I don't think that's true. Based on my read of wash sale rules, ETFs are the least likely to trigger a wash sale, as long as the two ETFs are issued by different financial institutions. So replacing SPY with VOO and vice versa should be fine. Of course VOO is preferable with the lower expense ratio.
You’re already ahead just thinking this way at 18. For a house in 5, 7 years, safety returns. Open a HYSA and let it grow steady, and once you hit your target, then shift focus to your brokerage for the long haul with something diversified like VOO I’d compare HYSA rates on BankTruth to make sure you’re not leaving interest on the table.
OTM calls are a fantastic way to lose money. They will bleed extremely quickly with even a moderate pullback. It sounds like you’re revenge trading to try to make back what you lost quickly, which is a perfect recipe for losing the rest of it. If I were you I’d close out your positions and put it in SGOV or VOO. Then walk away for a while. Once you’re out of the “get it all back” mindset you can start to build a sustainable strategy to grow your account. There’s no quick way to get it back that isn’t gambling. You can get back to where you were eventually by being calm, rational, patient, and having a plan.
Bro, you do know that you're suppossed to make money, right? One would think that they'd realize that they are shit at picking stocks and just VOO and chill by around year 2 instead of consistently losing money every year lmao.
Exact answer I was looking for. VOO and sit.
This is a Fidelity mutual fund. It has actually beaten the S&P by a small amount, even after fees, over the last 10 and 20 years. So its not a bad choice, and has likely done well. But it makes sense to diversify your account, and reduce fees over the long term, so spreading the money over several funds might be better long term, and in the event of a downturn. So he has made some money for you over the S&P, but may have also made more for himself. I prefer ETFs and to self manage my accounts, so I would just thank him for him suggestion and say to put it into the VTI. Or just take over the control of the account and manage it yourself. If you start with a few simple funds like VTI or VOO, you can slowly add more diversity as you research what you want to do. But so far, he has not appeared to put you into a horrible fund, or lost much i any money compared to VTI or such with that choice.
19.6%, 89% of portfolio is VOO and 10% is VXUS which performed phenomenally with 28% growth in 2025
330% Paused my VOO stacking in June to jump into the hype market. Probably time to wind it back since I got some of mine and have lost some gains.
Once you buy some ETFs like VOO, NEVER SELL. ignore it forever (retirement). Your biggest enemy will be yourself.
Start with the VOO. Instead of NVIDIA. Buy SMH
This will probably underperform VOO
Also you can transfer VOO positions directly if you ever decide to leave Fidelity. Can’t do that with FXAIX
The S&P is not supposed to do well over the next 10 years according to Goldman. 6.5% return including dividends. The genius stock pickers of reddit that default to VOO are gonna have to find something new.
Yes ueahhhh go crazyyy!! (I may be drunk for the NY and may have moved thousands into VOO as a limit order to kick off the new year safely)
Who said VOO could be up there in the box? That's peasant shit.
Yes but the point remains, there are more options than the one S&P 500 fund VOO, that is consistently parroted on reddit as the best place to be. There is also another issue with Vanguard being so popular and holding so much share value of the companies to affect shareholder votes. Companies are being shoe-horned into chasing short term profits over long term planning. It's not just Vanguard, but it is a larger market issue where the financial companies can force companies to chase short term profits that may not be in the best interest of the companies.
2.25% = $165,225, Damn, at this level why not just VOO and chill? Gambling is for people who have nothing to lose and everything to gain
Just wanna thank you in advance for your contribution for making the market return much better than the average investor’s performance. Without you we won’t be able to just VOO and chill and still outperform 90% of investors in the long run.
VOO should be a big portion of your portfolio. Buy that every month no matter what. And then you won't have to worry so much about past crashes and future ones. I went through both 2000 and 2008. 08 was hard AF. But here I am wealthier than ever.
When you inherited the funds there would be a step up in the basis to the value on the day of death of the person that you inherited them from. This will be the biggest tax reduction that you will see. Both of the funds have large expense ratios with TWCUX at 0.87% and TWCGX at 0.84%. Both lag a straight SP500 index like VOO and lag a large cap growth fund that they would be benchmarked against like VUG even more. If you aren't going to sell the entire holding at least stop the dividend reinvestment and use the different distribution to invest in a better fund.
VOO YTD: \~17.82% Personal YTD: \~29.4% Whoo hoo!
Love it, fuck all the “VOO and chill” pussies
PLTR was the only one to really take off before April. The other positions were small at the time. The positions mentioned above aren’t my whole portfolio. I have “ safe” stuff too such as VOO and SCHB and D to diversity. Why it doesn’t show much of a loss
Consistency. If I can make 20 bucks a day even, its a good day. What blows me up is thinking I can do it again in the same day or because muh feels. Blew up my account numerous times. You can turn 100 into thousands. If you cant, then just invest in the market.IVV, VOO, etc.
Same, 26%. No buffoonery. VOO, QQQ, VLCAX, PRCOX, FSELX.
22%. mostly VOO and some NVDA
Give me the porch il trade it for VOO
22.16% this year! VOO, NEE, HOOD, NVDA, TSM, QQQM
I’ve read a number of your comments and you seem a bit confused. A lot of the big funds (like VOO, SPY, VTI…) you can buy at any brokerage. You don’t have to buy VTI on Vanguard, you can buy it as Fidelity or Schwab or wherever. IMHO this is the best option. Vanguard has terrific funds, but Schwab and Fidelity are better platforms to deal with. I personally wouldn’t own any of the smaller proprietary funds (sometimes marketed as no cost, as they are all so cheap anyway) that are only available on Fidelity or Schwab, as it could force a capital gains event if you ever want to move brokerages in the future.
+17.68%… All S&P500 and VOO blends.
If you buy SPYM - it has the lowest fee of all SP500 ETFs and it also has the lowest shares price ($80 approx) So it is exactly the same as VOO or IVV or any other sp500 fund except their shares are a lower price.
I'm not sure what you mean VTI is on schwab as are other fidelity and vanguard funds, in addition to the VOO. Schwab is the best broker especially if you use their bank account which has literally 0 fees and they reimburse you for ATM fees.
Holding 3 companies is insane you should definitely buy VOO. You should start by putting 3-6 months expenses in a HYSA (or the brokerage in SGOV). After that buy some amount of VOO automatically every paycheck and save some amount for the house in HYSA/SGOV.
Bought today in goodbye to Warren buffet, Berkshire stock, VOO and QQQ, QQQM let’s see who wins next year lol
“You should have dumped into VOO” Everyone is a genius in a bull market
1.5m is the sum of all transactions, not held assets. OP could've traded $10K 150x to get these numbers. Still could've made 10x more holding VOO in that case though.
They all would be exactly the same ETFs trade like stocks, it really does not matter if you buy MSFT or AMNZ or AAPL on Fidelity , Schwab , Vanguard , Etrade You get what ever the return is on the stock, ETFs work exactly the same way, buying VOO on Vanguard is no different then buying it on Fidelity or Schwab or Etrade or Robinhood
Imagine if you had it in VOO
If you had just dumped it all in VOO and forgot about it, you'd be up \~18.7% (just short of +$288k in net gain).
They're all the same so it doesn't matter. Pick the one with the lowest expense ratio, VOO or SPYM.
Mag 7 will not crash, it will likely go up and come back down to where it was in November 2025, according to Fidelity, Chase, and CCSO webinars. So if you don't time the market, staying in VOO or buying some xmag makes sense. Especially if you have any individual stocks of the mag 7.
I’ll roll the dice. I don’t anticipate any issues with Fidelity. I have a lot of VOO with other brokers.
16.71% and no, my account is not VOO and chill.
No idea what Schwab allows. I just know Fidelity does. Schwab isn’t bad, Fidelity just checks tons of boxes. Decent default money market. Fractional stock and ETF and crypto. Decent expense tracking and budgeting. All that stuff is free. All personal finance is the same. Monthly income vs monthly expenses vs monthly automatic investment. I like auto investment weekly personally, takes advantage of volatility. The more you automate the better. Want to buy individual stocks, sweet, automate, ETF’s like QQQM or VOO, even smarter, automate. Play a little crypto, fine, but automate. Don’t panic sell. Live some years like this and you see money is easy. If you don’t get it done by yourself, find and hire a trustworthy pro. It’s just that simple. Best of luck.
VOO is an S&P500 index fund basically the top 500 companies SCHX is the dow jones large cap , basically top 750 companies SCHB is total stock market , it will have like 2500 companies that include mid-small cap So you buy SCHB if you want to hold mid/small cap companies The difference between VOO/SCHX is very minimal , its like why buy coke instead of pepsi , they basically both are colas, they both have cola flavoring , caffeine , sugar , carbonation but they have slightly different increments , but in the end they are pretty simular
Personally I buy SCHB and (SWSTX in IRA) not VOO. Total market / S&P 500 are all going to perform similarly over the long term. Don’t overthink it. Most of your account growth early on is going to come from your contributions. It’s going to be a bit before the investment returns start outpacing your contributions; though it’s glorious once you get to that point.
ETFs trade like stock, meaning it really does not matter if you buy VOO in vanguard, fidelity , schwab, Etrade. Just like it wouldn't matter if you bought MSFT or AAPL on vanguard, fidelity , schwab, Etrade. So no downside >Is there a benefit to having Schwab broker vs Vangaurd at all? Personal preference, vanguard is really geared to buying index funds. Schwab has some features that may be useful if you are a more active trader like a trading platform of Think or Swim If you largely just buy index funds (what I do) the brokerage really does not matter. I use schwab because I like they have a bank attached to them > Also, do I need to open a separate account for Roth or Roth IRA on Charles Schwab? Yes , you can use one log on but those would be separate accounts
I have my 401k at Fidelity, but I hear folks choosing between Schwab or Vanguard so I picked Schwuab for now, Not sure why I wanted a separate broker but maybe to diversify? Question - why buy VOO and not SCHB or SCHX? Can I do auto buy on Schwuab? And does it automatically come out of my checking account? And are these purchases post tax? When buying ETFs, is it recommended they go in a taxable account or Roth IRA? How do you determine?
Also, why buy VOO and not SCHB or SCHX?
If given the choice I would be putting it into a TFSA instead of FHSA unless you need the tax write off immediately. If holding for the long term VFV is a version of VOO (S&P500) priced in CAD traded on the Toronto stock exchange. If shorter term look at bond funds or money market funds.
To add to this, VFV is literally VOO priced in CAD traded in Canada. There's also a currency hedged one I don't remember the ticket for.
Just open a Fidelity account and buy VOO on an auto weekly basis. For cash equivalent either use their default money market or go a step further with SGOV. Never rely on self discipline, buy auto. Sell only when there is an urgent expense to pay for. Schwab doesn’t do fractionals for ETF’s as I understand. Some others just do stocks. It’s just easier to use Fidelity. They do both. You will learn as you go. Best of luck.
TKeep an emergency fund of +/- 6mo salary in high yield money market like VMFXX. Buy and hold only stocks you are willing to hold at least 1 year. Active trade only what you can afford to lose. Put 80% of your investing funds in VOO and never touch it.
I'm not too familiar with what Canadian citizens have access to but if you can get broad US stock or broad western market stock funds with low fees, that's a good choice. Vanguard offers two funds called VOO and VTI that are popular. Most financial institutions offer their equivalent for it. Schwab has SCHB. Fidelity has FSKAX. Basically what we have seen is that these markets grow on average about 7% per year. Key point is that is over long periods of time which is why you have to be okay with volatility. It might grow 10% for a few years, then be down 20% for a year. Then 3% the next year..etc. 7% is the average over the 20-30 year span.
+30% with my fun money, mostly because of GOOG and ISSC. I am kicking myself for having shortlisted MU this summer and then passing because it ‘wasn’t undervalued enough’ and is exposed to AI bubble risk… but I guess I’d rather regret gains than loss of capital. 12.6% with our family portfolio, but with half the monthly volatility and worst drawdown of VOO, so again I’ll take it!
Holding my calls in GOOG 9/26 & 12/26, META 12/26and AMZN 1/27. Holding mostly cash anc periodically adding to VOO, VOOG and KWEB.
Index Fund just refers to a fund that tracks an index instead of having a fund manager pick stocks. An Index fund can come in either ETF or Mutual Fund form. SWPPX, SWTSX, VFIAX, SCHB, SCHX, VTI, VOO are all index funds. There are no fees for buying/selling ETFs at Schwab. There are no fees for buying/selling a wide range of mutual funds at Schwab. Schwab doesn’t allow buying fractional shares of ETFs or setting up automatic periodic purchases of ETFs. They do allow both these things for mutual funds. ETFs tend to be more portable than mutual funds should you decide to change brokers. ETFs are slightly more tax efficient than mutual funds when held in a taxable account. This is because mutual funds are more likely to have capital gains distributions, though they tend to be minimal for index mutual funds so not a major concern. If you are ok not being able to buy fractional shares and auto invest I’d hold ETFs in a taxable account for the increased portability and tax efficiency. I’d use Schwab Index Mutual Funds in an IRA. Especially if you want to set up a monthly contribution and have it automatically get invested. These are minor differences… either ETFs or Mutualfunds are ok in both.
55.21% mostly DCAing into ASTS, RKLB, GOOGL, and VOO and a small LEAPs position on ASTS
You can buy VOO and VTI at Schwab for no fees. The only downside is they don’t allow purchasing fractional shares of ETFs. Schwab doesn’t have their own S&P 500 ETF, though SCHX is similar. They do have an S&P 500 mutual fund (SWPPX). SCHB is roughly equivalent to VTI. SWTSX is the mutual fund version.
Do you mean you can buy VOO on any brokerage ?
> SCHG I mean, those hold different assets. May as well say NVDA outperformed VOO and SPY.
thanks so much for this reassurance! I think SCHX mirrors the Dow Jones instead of S&P 500. Is there a downside to buying VOO or IVV or SPLG on Schwab rather than buy them on Vanguard? I think VOO is Vanguard only so not sure if it has a higher expense ratio on Schwab
Why wasn't 4.3 million enough for you? You were trying to gamble more once you had retirement and chill money? Makes zero sense. All you had to do was pay taxes and put it on VOO and you beat life.
An "Index fund" is just any fund that follows an index. Index funds can be an ETF or a Mutual fund. Now schwab does have SWPPX what is an S&P500 index fund setup as a mutual fund Schwab does not have their own S&P500 ETF, however at schwab you can buy VOO or IVV o SPLG no issues. SCHX is a very similar index , the returns are going to be near identical . SCHX holds about 750 largest companies vs the largest 500 but they are going to perform 99% the same, its not worth worrying about the small differences
+26% got lucky with just being in a handful of tech stocks + VOO
+34.8% really wish I bought more GOOG when it was ~$150 or a couple of years ago when it was ~$90 and reddit was freaking out about it. But, happy with my return this year Probably could have done better but I am heavy into VOO and not managing as hard as I was in the past
It’s time to just buy VOO and not to open the app until next year. 😤
Teach them simple VOO and chill. SGOV for emergency fund when they are older. Teach them to DCA into VOO and only sell when they have something urgent to pay for. If you teach this young, they will never have to worry about money. They will get it.
You should open a Fidelity account because they support fractionals. Buy as much VOO on an auto weekly basis as you can stomach. Start with what is comfortable, then push yourself to do more than comfortable. Here is the important part: only sell if you have an urgent expense to pay for. That expense might be a house. Cross that bridge when you get there. Use the Fidelity planning tab to link your banks and credit cards to track expenses. Data is useful. That’s it. That’s all it takes to be financially secure, spend less, invest more auto, don’t panic sell. You will learn more stuff later, but it all flows from that fundamental principle. Best of luck!
VOO and VTI are *not* "low risk" especially over a short time frame. By all means stick with your brokerage, but you can use something like SGOV as a quasi-HYSA.
>or should I go low risk, and put it in VTI and/or VOO? While lower risk than individual stocks , VTI and VOO are still considered high risk , they are not "safe" investments in the short term.
\> "what's the point?" If you can't beat the S&P500 with your equities, yes, you are doing it wrong. Just buy VOO/IVV/SPYM. But also, you have to include your cash in your calculations of your portfolio return. Obviously if you are 99% cash and your portfolio beats VOO for the other 1%, that's not saying much.
Your risk adjusted returns are likely similar, but yes VTI is a more diversified fund. If the market drops, VOO will likely drop more.
Your portfolio YTD is off due to the cash idling but also due to the selected investment’s fees and expenses mirroring the S&P 500 (e.g. $SPY is 0.0945%, $VOO is 0.03%, etc.)
Ideally you rebalance once or twice a year between your big etfs. When VOO is doing great, you trim it and move the trim into your VTI that may not be doing as well. When VOO is doing poorly, you trim your VTI that may have other sectors and buy VOO. The other goal is risk aversion. VOO is heavy on tech /mag 7, and if those tank you could lose tons overnight. Meanwhile VTI isn't as heavily concentrated in tech. For the rebalancing, i think folks usually do VOO and an international fund thinking US and internationL may not move together (us stocks might go down but rest of world is ok, and vice versa). Bc the US is so big we usually saw intl go the way the US did. But other countries are gaining ground.
It would be called VTI, VOO, or QQQM which are all large index funds that pull from diverse stocks
Looked into wheeling which is what you refer to? Do not see the risk reward for it. Could buy VOO instead
VOO ... its expense ratio is lower than SPY.
Sounds like you've got a clear framework now: \- 65-35 ETFs/stocks makes sense \- GOOGL as a "safe stock" is fair - it's basically 5 companies in one \- barbell approach (safe core + speculative 10x bets) is a legitimate strategy \- 7-10 stocks keeps it manageable on trimming: if you're moving to 65-35, the math kind of does itself. trim PLTR/NVDA/RKLB until you hit that ratio, move proceeds to VOO. on the 7-10 stock limit: if you're hunting for 10x, the new additions (LUNR, ASTS, IONQ, etc) are where that upside is - not the established winners. so if you need to cut, the question is which of those speculative bets you have most conviction in. sounds like you know what you're doing, good luck.
If there is a correction the VTI will be less volatile than VOO or QQQ. VOO is heavily weighted in the magnificent 7 stocks. With less volatility and risk you are trading some upside but when the market corrects you will be better off than those holding risk on assets.
> My income is over the Roth limit so that is not an option. Except that you can contribute to an IRA and do a backdoor Roth conversion. And don't sleep on an HSA, if you're eligible. > what is the best strategy to reduce risk in my (eventually) heavy-weighted VOO portfolio in 20+ years when I am closer to retirement? In a taxable account, ideally it's through contributions. Figure out what you might want your retirement-time portfolio to look like, and work backwards to figure out how long you can gradually get there. Like maybe starting 10 years out. You will also have occasions through market declines where you could potentially sell existing positions for offsetting gains and losses and use that opportunity. Or perhaps if you have similar-and-correlated-but-definitely-not-substantially-identical holdings (VOO and ITOT?) and do some loss harvesting strategy that you can carry forward to mitigate taxable gains at a future rebalancing point.
I don’t understand why anyone would select QQQI when VT VTI VOO vug and so many other good performing ETFs exist. Personally I’d pick VOO and add some vug for a time frame such as yours
First off - having PLTR and RKLB grow 6-7x and then another 2-3x is a problem most people wish they had, don't beat yourself up for taking profits along the way. On the actual question: the core issue- you designed a portfolio with stocks as 15-20% satellite allocation, it's now 50%. That's not a portfolio drift, that's a completely different portfolio. The question is whether that's intentional or accidental. option 1 (rebalance within stocks): Your proposed target still keeps you very concentrated - PLTR + NVDA + RKLB + GOOGL = 69% of stock allocation, you're not really diversifying, you're just shuffling the concentration around. If you're going to stay concentrated, might as well stay with the winners. option 2 (trim to ETFs): This brings you back to your original design. the argument: you've already won, lock in some gains, let the core ETFs compound. emotionally harder but structurally cleaner. option 3 (do nothing): The "let winners run" approach. Valid if you have conviction in PLTR/NVDA/RKLB thesis. The risk: you're now 50% individual stocks when you originally wanted 15-20%, if one of these gets cut in half, it'll hurt. My take: I'd do a modified version of option 2, trim the top 3 back to something like 15% each (not your proposed 19/20/10) and move the rest to VOO. this: \- locks in gains \- keeps meaningful exposure to your winners \- gets you closer to your original allocation intent On the speculative names (LUNR, NBIS, ASTS, IONQ, IREN): to be fair, PLTR and RKLB were speculative when you bought them too - and that worked out. If you have conviction and size them appropriately (looks like 1-3% each), that's reasonable. Just know you're keeping the high-risk approach that got you here. No wrong answer here - but be honest about whether you're an index investor with some stock picks, or a stock picker with some index exposure, right now your portfolio says stock picker.