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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 went the other route. Since VOO and all the others are so heavy tech, I added REITs and oil & gas midstream, years ago. Very happy with the results.
And? Stick to buying VOO or SCHD if safe investments are what you want buddy. I’m sure you’ll retire quick with those.
Yeah, real talk if you're tryna *invest*, not gamble, VOO (or any solid S&P 500 ETF) is the move. Slow and steady, but it actually works.
Yea, any time I've thought of selling I always remember that not only do you have to get the timing right as to when you sell, but you have to get it right when you buy back in. No way am I getting the timing right twice... in a row. So, I'll just continue holding until I retire. Been buying VOO since 2017 @ $222.
I agree and I don't own it (outside of broad-market EFTs). However, it's still up 44% year-over-year compared to 13% for VOO/S&P 500.
Why won’t you put your profits into SPY or VOO even just a portion would be very helpful… 1.5 mill, 4% rule you could retire early
I never kept careful enough track to know for sure, but I'm very happy with the results. It started with just a Mad Money account and was a very small part of our investments as our income levels settled and started to grow. Once I got comfortable and knew I enjoyed doing it and did well, I grew it more aggressively, to include self-managing rollovers as they came in with job changes. It now makes up about 1/3 of our net worth and is earning 7.7% dividends (when I omit AMZN and GOOG). My holdings in those two positions are up 400 and 36%, opened them in 2014 and 2022, respectively. Prior to FIRE, it was earning closer to 5% dividends, I've been boosting the return lately with large positions in REITs and oil & gas midstream and a couple derivative income ETFs. My wife's IRA came under my mgt mid-May 2022 and is up 47% since then, a bit less than VOO's 58%. That's not too surprising, I definitely made a bad investment that first year and booked the loss and moved on. I think the other 2/3 of it has performed far better than that, just can't be sure. That's only about 1/3 of the money I'm managing, the rest of which I've done since just before 2000. The other two accounts are sitting on 62% gains (taxable) and 20% gains (BENE IRA). That IRA I've been taking RMDs since 2005, and I've traded more freely there without tax consequences, hence the lower gain. This year and the next few years before social security kicks in our income will be low enough to book LTCG gains tax-free. We'll live off those proceeds but also reinvest some of it, maybe even right back into the same holding if I'm staying long in it. That kind of flexibility I get with self-managing is a big win.
You investing in stuff like VOO too?
Fair points, but I have to consider his demographic. MM has two target audiences. First is the retail investors with long-time horizons, and he advocates that half of their portfolio be in an index fund. To them, time in the market is better than timing the market and a downturn won't affect their diversified portfolio with a VOO base in the long run, so buy and buy more on a dip. Second is the older crowd. He advocates for profit taking and getting out of growth by a certain age and also avoiding specs. While he tries to avoid promoting treasuries until later ages, he also doesn't want them ripping money out on impulsivities of fear. So, I agree with your assessment, but not necessarily the conclusion. This is my opinion absent of personal feelings towards the man himself or what I think of current valuations, but rather his message last night and your interpretation of it. If you're a stern bear right now, then that's a whole other conversation. Reddit is a pretty negative place and can often be an echo chamber, so I understand getting downsized, but whatever.
I know way more real estate professionals that have averaged 20% + IRRs over their career than stock pickers. You have zero control over the stocks you invest in. You have a lot more control over the real estate you own so if you are an astute investor, you have a much higher probability of outsized returns imo. Also in real estate you can do 1031 tax deferred exchanges and never pay taxes on your gains. With stocks, if you have greats returns but eventually a company loses their way and you have to sell, you are giving 15-20% of your gains back to the government on the sale. If you do not have the time to become an educated real investor and do not have access to a reputable syndicator/investor to invest capital with, investing in VOO/VTI is your best bet long term.
If you're going with VOO, a good amount of domestic companies get revenue from foreign countries anyway. I don't think international adds a meaningful amount of diversity.
do a 50/50 split between VOO and QQQM.
I have always bought SPY. It’s the standard. VOO has a slightly lower fee. It’s too late for me to switch. If I were to sell my SPY and switch to VOO or something else, it would create a taxable event. I will stick to SPY until I retire. I do trade single stocks sometimes, but it is with a much smaller amount of money, and I know that there is much more risk. I used to “trade” all the time. But the more money I accumulated, the less risk I wanted to take.
Nothing wrong with that, if I knew nothing about trading buyIng VOO and or SPY is a great idea. I tell people now if you want to trade divide your account in half Half into SPY (or VOO in this case) Other half you trade. If you can outperform SPY on a yearly basis then you have permission to keep moving funds from your SPY yonthe trading account, If you keep lose, you deduct more from your trading account and add to SPY.
"VOO and Chill" is reddit-speak for "stop actively trading / timing the market and just buy VOO and tune out"
So wait when you get your options to hit inside your roth it converts to cash in your roth? Or what? Can you just turn it into $VOO or something after? is there a limit once that $7k is in the ROTH?
Dollar is down what, over 10% YTD? That’s a huge devaluation. If you were a European, your VOO ETFs would not be nearly as high as ours. They haven’t recovered in real value
Thanks for sharing. I actually switched my brokerage account to a daily DCA in VOO in April because there’s been so much volatility this year. Buying one week to the next could’ve gotten you +/- 15% on your cost-basis.
I have two brokerage accounts. One mostly for investing long term and another that’s dedicated to short to medium term savings. In the latter I hold enough cash for my emergency fund and also buy funds in “risk parity” way. I use a portfolio called the “Golden Butterfly” for this medium term savings. The idea is to own several different assets that are all positive (go up in value) but inversely correlated (go up and down at different times) so the value of the assets will be stable. It’s working pretty for me. So in addition to the cash , i buy these funds in the equal proportions and rebalance as i buy: GLDM (gold) 20% SHY (Short Term Treasury bonds) 20% TLT (Long Term Treasury bonds) 20% VOO (S&P 500 stock fund) 20% AVUV (Small cap value stock fund) 20% 20% x 5 = 100%
90% VOO and 10% play money for wsb style madness. Maybe 95 and 5 if you are more risk averse, and 80/20 if you are an absolute lunatic. But its hard to go wrong with that kind of a strategy in the long run. The S&P gains over time will work wonders and with your gambling money you will occasionally hit a winner. If you don't LIKE investing though, just do 100% S&P and chill.
Do you mind me asking, how have those trades done compared to the overall performance of the market? I see a lot of people saying stuff like, "Looking back, I would've made more money if I just invested in VOO and let it ride", so I am curious how many people actually win on individual stocks.
Lol, lmao even. When the liberation day happened, one of the things that some people did was pull their 401k out. And we saw a fking dive in the market. A large chunk of investment flow into the market are 401k and people DCA into ETFs like VOO. These 2 are essentially the same thing: funds of money people buy as saving / long term investment options. To say that "401k isn't keeping it irregular" "larger players are at play" yet you go to meme stock like Tesla... And large portion is from entity like vanguard. Which may or may not be a actively managed fund. Liquidity matter alot. If you want to argue against that, go produce a event and ETF/401k activity over the span of decades. Or w/e you preach is essentially a "me think"moment.
VOO. 90% of you will underperform the market.
Just buy VOO on recurring investment and never think about it.
Also why would you say no to putting it into VOO for less than 5 yrs?
Not reading all that. Buy what you want. You had me at risk tolerant. Just learn how to compare to benchmark. You will likely realize VOO and chilla was easier. I think a novice has better chance of beating sp500 than disciplined pro. We all cheat off each other’s homework. There is no edge there. At least a novice isn’t swayed by recycled market analysis. Do I think it’s a good naww, VOO and chilla or QQQM and chill is fine. But hey. If you enjoy it. Have at it.
VTI or VOO (maybe some International) and chill IMO
That makes sense, thanks. So my assumption that those individual picks are essentially just gambling (compared to just investing in the broader market) is correct? I don’t get much enjoyment out of watching how those stocks perform; just want to set an allocation that maximizes returns in the long-term to leave it alone and go live my life. So sounds like I should just get out of those individual stocks and into something more stable? Would you go for growth ETFs or just go for broad exposure (VTI/VOO)?
VOO is fine if you want the S&P 500. i think expense ratio is a little lower. I have a fidelity account so I have FXAIX. but at the end of the day, it's all S&P 500 so it really doesn't matter. the thing is, this money is gonna be for you in around 30 years. at that time span, the odds of you regretting it are gonna be really low. just put money in it consistently and don't look at it. you'll thank yourself when you're 40 and doing financial planning
Stop trading and invest in VOO
Normally, all world one.. just to please those "ex-US" people who were quite vocal in April. Now that USD has crashed, QQQ or VOO seems quite legit.
I prefer the SPY over VOO (more options) but over those I prefer ES because of tax purposes (yes ES has same tax as SPX but ES has less margin and you can get assigned contracts vs cash settlement)
I am in the exact same boat. I am mostly in SGOV right now and my plan is to buy into the dips of some solid ETF's like JEPI/VOO, the S&P, and some REIT's.
yeah i've been thinking the same idea but the more i look into different subreddits, a lot of people are saying VOO VTI VT and a lot of other vanguard etfs instead of your normal spy & qqq i just want to do spy and qqq and chill but i also dont want to regret my decisions 40 years down the line
Would you ever consider VOO and Chill for your future?
I would wait a few days and do some research. See what happens on July 9 2025. DCA into VOO or SPY is probably a good idea.
Depends on how soon you need the money. For a long term investor, buy low-cost index funds, keep buying, and only sell when you hit retirement (so for you easily 25-30 years away). Stuff like VOO, VTI, or even VT (if you want international). Do this for 90-95% of your money. For the other 5-10%, if you can't sit on your hands, buy random junk, gamble, whatever. If you hit it bit, you'll feel great - and if it collapses into nothing, it's a small percent of your assets. Does your work offer a 401K with match?
I know you eluded to this but: 401k is in the market. It’s just highly diversified, US companies, International Companies, Bonds, and some other stuff. Just place your money in VOO, VTI, QQQ, SCHD, and some other ETFs and it’ll essentially be your 401k except probably a little better returns.
If it helps, I just dumped 40k into the market. It can continue going up, it may never retrace below the current valuation. I've only been investing for two years. I've learned too many lessons from past mistakes. I CANNOT time the market, no matter how well-informed I am on world, economic and stock news. I will simply buy 90% VOO and some fun stocks that I enjoy with the remaining 10%. I won't sell unless I need the money for a purchase. I will continue to lump sum purchase more shares when I have available cash. I was in your position many times and i've been burned. Just buy.
Personally I'm a big fan of buy and hold and DCA a 3 fund portfolio. I'd take the 30k and put 10k each in 3 ETFs and hold. It's safer than potentially investing in overvalued individual stocks which can be risky. But also a 3 fund portfolio isn't "too diversified" like a 10-20fubd portfolio so you will be able to maximize your compound interest potential since your investments won't be spread too thin. For example I personally do VOO, VONG, and QQQM. 31%-32% contributions in each with the remaining couple percent in individual stocks for more "Risky" investments. This has been effective for me throughout the years.
It’s pumping because me, like everyone else, auto buys VOO everyday every week every year.
Do they offer VTI/VOO and QQQ? I personally do 70% VTI and 30% QQQ. Been treating me well.
VOO has just surpassed SPY market cap, and you think this is as high as the S&P goes???
Completely disagree. VOO is buying the market and going for a ride. So many better vehicles that are far more disciplined. BRK/B is but one.
Bro I own a shitload of VOO, 3 Trump coins and a bunch of SPX credit spreads. You probably don’t want my advice.
So far, everyone is giving you the typical sound advice: pick a good low-cost ETF (VOO, VTI, VT, etc) and put the money in there, then forget about it for decades. It sounds like you want to actually understand stock stuff, though, so I'll add this idea: do the above in one account with 90% of what you're looking to invest. This is your "boring, safe, and effective" long-term investment account. My boring account is in a Wealthfront investment account because it only lets you invest in ETFs unless you have over $100k, and it will automatically rebalance your account if some of your holdings grow faster than others. Wealthfront also offers Roth IRAs (for tax-advantaged retirement), automated bond portfolios (for diversified bond holdings and also for long term target-date savings, i.e. if you want to buy a home in 10 years you could set a target date for 10 years from now and schedule automatic investments in bonds that will all be timed to be fully matured by the date you chose), and a high-interest checking account (allowing your checking account balance to grow roughly following federal interest rates). Their products are good, I recommend them. Your remaining 10% can be your "high risk, high reward play money." Set up another automatic transfer that moves this money into an actively managed investment account. Redditors often use Robinhood. I use Schwab because their Thinkorswim trading app is really nice on desktop and also pretty great on mobile. Practice researching companies and buying stock with that money. You'll be shit at it and you'll very likely lose everything a few times. Patience and practice, combined with research, will help you learn. You'll eventually nab some wins. If that account grows substantially, consider withdrawing some money and transferring it to a different account. I use the profits from my riskier account for occasional big purchases, such as bike upgrades, computer hardware, or leisure travel. Sometimes I just move it into my boring and safe investment account. Once you get used to this, you can try your hand at options in the risky play account. Just remember, you will probably lose it all multiple times before you start seeing some success. If you lose everything in the risky account, don't go transferring extra money to it. Rely exclusively on your automated transfers. That way, you don't end up with a gambling addiction.
Not sure what you’re looking at VOO is tracking the same as SPY today.
I mean SPY is +0.16 % and VOO -0.14%. Usually they are the same or very close but no today :(
I strongly second the advice (from u/Wild_Ingenuity63 to visit the Boglehead forum, and study up on Boglehead investing. Yeah, this stuff is all like an alien language at first, but stick with it; it's really not that complicated. Learn about Boglehead investing, and perhaps watch some Ben Felix on youtube. These approaches are backed by data, and are absolutely not "get rich quick" type approaches. It's all about owning the market (ie, investing in all the stocks) and letting growth in the economy boost the value of your portfolio over the long term. And yes, it is a long term approach... you buy the same stuff year after year, and then thank yourself in 30 years from now. A sample Bogle style portfolio would be something like: 60% VTI or VOO (these investments basically amount to the entire US stock market), 20% VXUS (this basically amounts to the entire world stock market, minus the US), and 20% BND (bonds, which smooth out your portfolio's volatility, but tend to offer less growth). Since you are young, you could forgo the bonds and just do 75% VTI or VOO, and 25% VXUS. This would be a perfectly reasonable start. But go read about it and understand it. Watch some Ben Felix, etc.
Just buy VOO and learn the language.
The general advice with a passive strategy is to utilize ETF's. They handle the diversification for you, and index-tracking ones (EX: SPY, VOO, IVV) basically just follow the market. There's other types (large cap, small cap, international, broad, regional, emerging markets, etc) that you can explore, but the return on those is tied to specific sector performance rather than the general market.
VOO and SPY are both ETFs for the S&P 500. VOO has lower fees than SPY so VOO is generally seen as better for long term holding.
Especially don’t learn anything. The more you learn the more tempted you’ll play some risky plays. And your return is almost guaranteed to be smaller than VOO
Likely impossible. But compounding is exponential. It'll take ~30 years, at 8%, for 100,000 to turn into $1M. But after that? It only takes 10 years for $1M to turn into $2M. The earlier you start investing and building your portfolio the faster you'll hit that magical mark. I feel like you are a gambler, so I'd take 90K of that and throw it into VOO (or similar SP 500 index fund). Then take the other 10K and go wild. Throw it into something you feel passionate about. Crypto, pharma, whatever. If you hit it big, amazing, if not, your future is still in good hands.
VOO + VXUS is safest choice but I like VOOG + VXUS(any ex-US international stock) + some single stocks more.
I'll keep posting it: SPMO + QQQM + AVNM + FDVV SPMO kicks VOO's ass!
I would do a mix of VOO (the SP500) and QQQM (NASDAQ 100). QQQM will have a lot more volatility because it is tech heavy. But tech has driven the markets up over the past 10 years, and there is no reason to believe it won't be the driver for the next 10+. More likely QQQM's return will be higher than VOO, as it has been past 10 years. So I'd say use the mix that you feel most comfortable with.
We’re not talking about USD; “VOO” and “QQQ”
I hear you man. And you sound like a good dude. Here are some things to consider: diversification is talked about in a strange way. Sp500 is fine. 401ks don’t normally offer enough choices to really get outperformance (maybe NASDAQ), and that’s ok! The best thing is auto investment every paycheck. Market tanking? Sweet, buying cheaper. Keep it moving. Most will make changes. Check historical (or not even know how to lookup) and come to the realization: I should have just VOO’ed and chilled. It is nothing bad my dude. I’m just saying: sooner or later you will measure with sp500, why not just invest with the measuring stick? Keep life simple. Now if you buy company stock fund, it might or might not outperform, but the reason wasn’t for that, it was for NUA. You either have company stock to use that option, or you don’t. Sounds like you will do just fine!
Curious, if you’re already in fidelity, why would you get VOO or VTI vs like FZROX ? the later two tracks the same portfolio minus 0.31% fee on Vanguard?
Thinking of rolling more of my VOO out into OSCR
VOO because theres 'V' in it and market always V
Literally frozen between buying SPY or VOO been too nervous on which one will outperform. Taking me 4 months to make the decision
You can’t live in a VOO portfolio. Tangible stuff will always be better option. But yeah it requires work like all the good stuff
Diversification is not just about owning a bunch of tickers The problem with your portfolio is you are actually concentrating your holdings in large cap and large cap tech VTI/SCHB are near identical total market funds, there are slight differences but both are total market funds and will hold basically the same stuff. No reason to keep both VOO is a subset of VTI/SCHB so by adding VOO you are not adding diversify you are concentrating your portfolio into large cap stocks Then QQQ/SCHG is basically a sub set of VOO, what means you are concentrating further into large cap mostly tech/growth stocks Meaning your current portfolio is less diverse then just holding 100% VTI or SCHB. All those tickers are sub sets of VTI/SCHB and concentrating your holdings making you less diverse A classic 3 fund portfolio is simple Total USA market Total ex USA market Total Bonds (some people will skip bonds until older) Some people simplify it further and just do Total World market Bonds So something like VTI (total USA) , VXUS (total ex-USA) , BND (total bonds) or VT (total world market )
Stop day trading and yieldmaxing. Build a solid foundation of safer ETF's. If you want to generate more income with some added risk SELL options (do not buy them) with 100k you could sell options on SPY or QQQ but you will generate less money than single stocks. Regardless I would start by building up a safety net in VOO, SCHG, and maybe some SCHD. Maybe take 40k and split it into these 60% 30% and 10% then take the other 60 and use it for selling options on spy or qqq. Take the options premiums and throw it into sgov or more ETFs. Options selling is less risky than buying but you still need to not be a jackass. Dont sell calls below your cost basis and dont sell puts on something you dont wanna own for 1-3 years min
SPY, VOO, SPLG, FXAIX, IVV are all the same thing. VOO is just the most popular. VTI is a total market index which is technically more diversified containing small amounts of small caps, REITs, etc. But practically speaking it performs the same as VOO. These funds are all highly diversified and market cap weighted. QQQ is not the same, it's a somewhat arbitrary selection of mostly big tech and growth stocks. Boglehead strategy or any strategy that seeks to capture average market returns says you shouldn't buy QQQ because it isn't market cap weighted and it's sort of actively managed in the sense that companies are listed based on a set of requirements. By buying QQQ you're trying to outperform the market and statistically when you do that you are much more likely to underperform the market.
S&P 500 VOO. Invest what I don’t need. Set it and forget it strategy. Long term.
I have the EXACT same story. Only different is my portfolio is VOO, QQQ and SCHD.
VOO VT QQQM and SCHD basically all overlap with each other. You can condense into just VOO pretty much or QQQM for NASDAQ. Diversify into multiple asset classes such as gold, long dated US bonds, and managed futures. They should be a small percent of the portfolio. If your equity exposure is too low for your risk appetite you can use LETFs such as SSO/QLD (2x) or even UPRO/TQQQ (3x)
would just VOO QQQM be a better way to go?
They say VOO but instead use QQQ. Higher beta. US is good for tech and that’s not going to change
SPY and QQQ are the number 1 and 2 most traded ticker on the exchange by volume. This means they have a lot of liquidity. If one day you decide you would like to learn derivatives, it is helpful to hold SPY and QQQ because of its liquidity. Yes the expense ratio is more than VOO however if you sell your stock in a brokerage account just to transfer your assets to VOO, you have to pay capital gains tax. I would just keep it simple with SPY and QQQ and who knows maybe one day you will learn how to sell covered calls on your shares.
Similar position, I ended up going with VOO, QQQ, VXUS, and IBIT. With 50% of that being VOO. I wanted to be safe, favor tech (huge believer in AI), have exposure to international stocks, but also take a chance on BTC.
Dollar Cost Average into an SP500 ETF like IVV, SPY, or VOO which holds 500 large capitalization stocks. It doesn't matter which SP500 ETF. When you get to $10,000 in your portfolio, start diversifying into international ETF like IXUS or other ETFs that focus on technology, financial, healthcare, and/or other sectors that are in a growth trend in the business cycle. When you turn 21 and live independently, start saving cash in a High Yield Savings Account or Money Market Fund. You should save 6 months or more worth of expenses. Keep this cash away from your investments. This is your emergency fund for the tough times that hopefully never happen. After that start researching individual stocks with growth potential and start buying those.
I just got a new job and am able to do this - I feel like there are probably a few options: 1. You invest automatically out of each paycheck into and index fund like VOO. Low risk, minimal thought, average 10% returns over time. 2. Save for down payment on a home or property 3. Combination of 1 and 2 4. I’m doing number 2 and am investing during market dips since I personally don’t trust trump and I figure I’ll take 4% returns in my down payment fund and if/when we see dips in the market I’ll put a chunk in to take advantage. All this assumes you’ve done the basics of being debt free and having an emergency fund.
QQQ is very tech heavy. I believe it is investors who favor this impression that the coming AI and tech revolutions will far exceed the other ETF options at some point. Essentially VOO is more stable and spread across different industries and QQQ is expecting a moonshot in their lifetime. At 27 years old I don't think at this point it's a huge issue between either, though some people would probably take risk off the table as they get older, so a younger person may go QQQ until they are near retirement. It's extra risk but they do have a lot of time to wait. After about 15 years in VTSAX for myself I am fine with the outcome, very low admiral share costs and about 12% return per year. It's apparently not as popular a choice but in the end it turned out okay because I stuck with it, even during the troubled periods.
Run the 5 year compare on yahoo finance. SPY=VOO. QQQ is a nasdaq index....QQQM. VOO does not equal QQQ.
The fees for VOO are the lowest and the returns for S&P tracking funds are generally all the same.
Market timing is impossible, but I still try. Returns on cash are north of 4% still, so it's not like cash isnt making me money. I will say I bought the hell out of Meta once she went below $600 and kept buying down to $500. it’s the only one I feel good about simply because of the ridiculous earnings. Other than that I've got no clue so I'm VOO, meta and still 60% sgov
For a core ETF, I’ve been eyeing VT. I have sp500 index as a big core holding and since tariffs, trump volatility, European performance, stuff like that, I diversified internationally more than I had been. I don’t own any VT though. Wondering if I should just stop funding VOO and direct to VT, wondering if I should just make it my new VOO. Anyway, not sure what your goals are and risk level
I look at my small Roth as my growth bucket, I have mostly VOO, with SCHG, VUG and VGT to boost the growth. Started conversions after retired.
VT VTI VOO take your pick
Yep fair, that wasn’t to say you shouldn’t invest or DCA into VOO lol, just saying subtly that we aren’t really at All Time Highs since the dollar has lost value
Pick a whole market index fund. Whichever flavor is your favorite. VT, VOO, whichever.
I'd say the general consensus here is that VOO/SPY or an equivalent that tracks global as well as USA is the best bet; you can also go higher risk (TQQQ, UPRO) or lower risk (mix in some bonds) and expect comparable returns (although compounding over 30-40 years there's a huge difference between 6 and 8 percent).
ITT: people who don’t hold VOO and are mad it is up