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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
VOO top 10 holding compromise a majority tech, and of that top ten, 38% of the fund is those tech stocks and much of that really is AI. As much as I like the SPY/VOO/VTI and chill, there is an implied narrative that this is diversification. It is not diversification. I think this lie is going to be a major market mover if this bubble ever pops.
If you are saving for a home, I think that a high yield savings account or CD are both good options. If you are looking into investing some cash, an ETF like VOO or SCHD might also be something to look into.
"Just VOO and chill bro" - 80 IQ Redditors
Yes. If you already have enough know how, you can start buying individual stock to maybe build up a dividend portfolio but the foundation is VOO. You need to do enough research like dig into 10-Q and 10-K reports from companies to really determine if an individual stock is right for you but if you want to start branching into maybe dividend investing, it takes a bit of study.
At your age, put 90% of your savings in VOO every paycheck. 10% in something you think might do very well long term. OR 100% in VOO. Do that for the next 20+ years. It’s that easy, and that hard. It’s very easy to do, but most people lack the ability to do something so simple for so long.
$100k, VOO. $1m? Close to the point where I'd self manage 80%/dump 20% in VTI. Then again, I like that stuff. If you don't, continue VOO. For my self managed; again 80% of that 80% is spread across my favorite 3 companies in each sector across the 11 sectors, re-evaluated quarterly. Companies that are winning, tend to keep winning. 20% is in LEAPS, other stocks I like but don't want a full position in, etc
Go for an ETF - EQQQ/QQQ, WORLD, or a VOO. You could buy single-stocks, but since it seems that you’re relatively new to the space, you’d probably be better off buying an ETF, except you want to put in the work and do some analysis
Basically ETFs and individuals on the side. I have been bullish on tech since pretty early on, with QQQ. I do have some VOO and IJR (small cap) but also have individual stocks. A few stocks that have done well: ASML, KLAC, I rode PANW from like 2021 and just exited. Rode SE all the way up over a few years and sold near the top (I saw a kid in a remote part of Central Asia playing free fire years ago, googled it, read a lot, and got sold on the company). Stuff like that. Moving forward, I’m working to broaden out sectors because I think AI profits will now be found in growth by regular companies that use AI, and I’m adding precious metals miners. Adding a biotech ETF. Just read and listen a lot. I religiously listen to Odd Lots, The Compound, and Marketplace on Fridays, and read The Economist almost cover to cover. Basically my financial and equities worldview is shaped by those quite a bit. People say “you can’t time the market” but so much of the market is based on whether the world anticipates rate hikes and cuts, bonds up or down, etc. Just following that news closely and shifting your DCA plan around can make it easier to beat the S&P.
How about BRKB and chill instead of VOO? I say this because theres a big consensus the s&p is overvalued right now. Interested in peoples thoughts on this
Because markets price in geopolitical shocks before retail can react, tactical rotations into defense or energy often fail. The 1990 Gulf War spike showed how quickly these "war plays" dissolve. VOO isn't a passive choice; it’s a systematic capture of the only companies with the scale to survive volatility. So, sticking to the index remains the most sophisticated move.
Keep the foundation solid with VOO, and if you really want to play the news, just do it with small amounts on the side.
Meh it’s worth to play risk too. I have a shit ton in VOO but ASTS and PL have netted me 11x gains in a year. I’ve already taken profits equal to multiple times my initial investment and put them back into VOO and things like Google. It’s good to play risky with a bit of your portfolio if you’re young
SWPPX for me, cause I use Schwab and can’t buy fractionals of VOO, but yeah, same thing pretty much.
VOO and VTI are always a good option when you are uncertain. Picking certain stocks to benefit from a macro event is not easy because of the volatility it creates. Stick it in VOO and keep an eye out for an opportunity.
yeah honestly this is exactly how I end up back at VOO every time. start thinking geopolitics, defence, oil, ai, then realise by the time you react it’s already priced in. boring usually wins.
VOO is for cucks that like to watch their sister fuck
1. Keep calm and buy VOO 2. Don't listen to the shill bots on reddit or the WSB 0DTE bros 3. Never trade on margin
It’s now 30% VOO, 30% VXUS, 40% VTI and chill.
Buy VOO and hold. If you really need a hobby, carve out a small (5%?) trading acct and go nuts with it. But leave your big nest-egg alone - buy and hold.
VOO and chill never gets old. The beauty is that it works. Time in market beats timing the market. Venezuela news is noise. Oil stocks are a distraction when you should be focused on compound growth over decades. Sticking with VOO is the right call.
Great question brah!! The answer is yes to VOO and chill: And here’s the logic to break it down for you. Every month VOO either goes up or down. If it goes up, you’ve made a great decision and you should buy more VOO next month with your extra nut. If it goes down, you’ve still made a great decision AND you get to buy more VOO next month AT A DISCOUNT with your extra nut. With this strategy, you’re fortunate no matter what occurs
My Roth IRA is VOO and chill, everything else is other more risky investments
YEs. By weight, over 80% of VTI right now is already the entirety of VOO. The rest of that weight is a few thousand additional smaller companies (which do have their time to shine from time to time). However, either way, I'd pair it with an international fund.
>will be 100% in SCHG. VOO is great, though. With potentially 42 years to normal retirement, I wanted him to get the growth portion going early. Long term has tended to favor value and blend over growth. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
VOO is the same thing internally as SPY, but is around 6 or so basis points cheaper. Unless you need the extra benefits that SPY offers (more a thing for strategies beyond buy and hold), why pay more for the same thing?
VOO itself is pretty young, only created in 2010 or so, so finding people that used exactly VOO for "their entire life" and retired is unlikely at this point in time. But the concept and a different share class go back much further: to the 1970s (VFINX).
A global portfolio (like VT, which is US + international in one) can be beneficial to both returns and volatility compared to a US only portfolio (which VOO would be) in the long run. Recent history has favored the US over international, sure, but we've seen many periods even stretching over multiple decades where the end winner would have been international over the US (examples: every decade between 1950 and 1989 as measured xxx0-xxx9 favored international over the US, as did the 00s, which led to all excess returns since 1950 that the US enjoys today only coming from around 2010 or so until now). I always forget which subreddits allow which links (other than Bogleheads, Portfolios, and Personal Finance), so I'll link you to a recent post in one of those subreddits where I had a lot of it: [https://www.reddit.com/r/portfolios/comments/1q3xgly/comment/nxo7ym6/](https://www.reddit.com/r/portfolios/comments/1q3xgly/comment/nxo7ym6/)
“VOO and chill” is a foundation for a portfolio. If you do that with 50-60%, then you can buy a handful of great companies poised multi year runs.
Which doesn't tell us about the next 10 years or 20 or 50 years, as we've seen periods of that duration or longer where the winner would have been international over the US (meaning VT would also have beat VOO). Using VT or VOO gives a very limited sample period, but we have several additional decades worth of data that paints a very different story by way of the indexes or looking at the broad class.
lol these threads are always gold when people think they’re sitting on gains with VOO when it’s just keeping up with inflation.
lol, AVGO’s solid, but don’t sleep on VOO! Gotta love that diversified chill…
I use VOOG, VONG and QQQ, VOO for diversification.
I mean, the good news is you have a ton of money for your age. How much is in your retirement account? One mistake people frequently make is chasing returns. So they look at what has done well recently and put all their money there, but they've kind of missed the boat. Some people are predicting international will outperform US over the next decade. I have no idea if that's true or not, but I'd put at least something into international to cover all your bases. You could do mostly VOO and the rest into VXUS or some other international ETF of your choice.
VT is more diversified than VOO or VXUS alone.
Check last year's VOO return and compare to VXUS's Tell me which one was better.
Beating the S&P isnt that difficult. During a bull market it can even be really easy. The only thing you have to do to beat it permanently is take your winnings while you’re ahead and putting everything but the “house money” back into VOO.
Same. Some slight swing trading and all profits back into VOO.
I'd take this post as a very strong warning that "VOO & Chill" has gone away long ago. 4 hours, 137 yeps, 142 comments. Very dangerous unanimity. If I had owned VOO (and yesterday, I did, today I don't) I'd sell.
The right move is not reacting to the Venezuela thing. Some VOO still a good idea. But best to diversify to other things to some extent. VOO is too concentrated now & the market is getting too overvalued. Can’t time it but eventually it will correct. Either slow growth for years or more sudden. But some funds should go to stocks or ETFs based on valuation and fundamentals.
[SPMO](https://www.invesco.com/us/en/financial-products/etfs/invesco-sp-500-momentum-etf.html) is way better than VOO Palantier is in the 5 and it's adjusted pretty often
99.999% of folks should just buy and hold VOO. It’s not constantly repeated for no reason lol
VOO has outperformed VT over the course of history. In the last 10 years VOO is up 306.54% and VT is only up 214.23%.
Ask everyone in the threads here in April if they wished they had just stayed with VOO and chill.
I see everyone say VOO Is VTI also a good option? I dca VTI and wondering if that’s a good idea…
If you're undecided, just stick with VOO. Set it and forget it, especially during market corrections until you retire.
If you’re looking to catch the PLTR or defense bumps after the Venezuelan news, you’ve already missed the boat, but nothing wrong with VOO and chill, as long as you’re in it for the long game. In truth, there’s nothing wrong with PLTR or defense stocks, if you’re going for the long term. Maybe just wait for a pullback before you buy. PLTR fundamentals are good and, with defense, I mean, there will always be war. 💁🏻♂️
Usually. Though I will say last year there was an AI scare with Google supposedly being behind and its stock dropped 9% one day. To me that was stupid and Google clearly had a strong edge in search. So I bought a small amount. Wish I’d got more. Google’s up 109% since then. Point being sometimes it makes sense to buy individual stocks depending on your goals. That being said the vast majority of my money is in VOO type funds. It’s hard to beat not worrying about whether to buy or sell every day.
(0.5*SCHD) + (0.5*SCHG) = VOO. Essentially. 😊
My 18 year old who just shipped off to BCT will be 100% in SCHG. VOO is great, though. With potentially 42 years to normal retirement, I wanted him to get the growth portion going early. He doesn't understand much of it, so I'm keeping it simple for him. Grow a giant pile of money, pay a couple smart people to figure out how to most efficiently deal with taxes and spending and follow the plan.
For the same reason that you only made $3k instead of mortgaging your house first and making $300k. Because its not a sure thing. Investing in SPY and VOO is, eventually.
I'm shifting some away from VOO and the tech sector and plan to invest more into VTV and some sector defensives (XLU and XLV) this year.
That $6k is in a cash sweep account earning HYSA equivalent interest. Mine was running 3.71% on the last statement. It counts as part of the fixed income portion like bonds and the thesis is the dry powder is used to time investments and provide liquidity. People will complain that cash hurts growth… but the idea for IP is a _balanced_ and tax efficient portfolio. To maximize growth just buy VOO or SPY, and deal with the downsides.
The play was never VOO and chill. Diversify
So why bust VOO? What am I missing? Why not some SPY and other stuff? Like what is so special about just VOO
Totally agree! VOO’s a solid base, then you can spice things up without stressing too much. Keep it balanced!
Yes one of the many good funds. But for a guy asking about gambling on single stocks continuing to just add to his existing VOO works. Also probably deleting the app.
If you think you can beat the market then don't buy VOO and build out your portfolio. However, most people can't beat the market. If you've bought VOO in the past then keep buying VOO, it will never *not* be the correct move.
i spent 200 hours a year over 10 years investing in various things to beat the S&P 500 by about 2% (total)! that's about $4,000 I made, or about $2 an hour. Mind you most people dont beat the S&P500 at all, they do worse. Now if I got lucky or not, no matter how you look at it, it's not worth it.. unless I was managing $10 million, in which case it would be $20k... or $10 an hour.. The point im getting at is that unless you beat the market by a lot, or you're managing a lot of money ($10m+) its not worth the time you invest in it, let alone the stress... VOO & chill is the way. :)
The correct move is to not trade based on the news. If your strategy a month ago or a year ago was to VOO and chill, then your strategy a month from now or a year from now should be to VOO and chill.
I prefer VT. VOO you miss out on mid/small us companies and all international.
Does anyone even know anyone that VOO and chilled for their entire life?
VOO and chill is always a good move. I got vt, which adds international. But I always like hoping in sectors at times and grabbing a stock or two to always have a few holdings. I just grabbed a few shares of xar and I’m excited to see how it pans out this year
Yup VOO every month if you can. Everything else is extra.
The scenario that melts VOO beyond recovery would ultimately melt all funds, bonds included. I’d like to think I’d have the balls to stick to the plan and build generational wealth instead.
I'm somewhat new to trading, not a huge account but not insignificant. Did really well on RKLB and NVDIA but starting to feel like I'd be safer in VOO. Would appreciate any feedback on if selling (the majority) of those shares I have there and going with VOO or other funds will be better long term.
Just maxed out my 2026 Roth, 100% into VOO
VXUS and VT outperformed VOO last year and are continuing to do so. International stocks are doing much better since the US dollar devalued
There is no reason to be 100% in large cap US stocks. Both European and Asia stocks have much better valuations (i.e., much higher earnings yields) and outperformed US stocks by a wide margin in 2025. You absolutely should have \*some\* US in your portfolio, but just be aware that VOO has increasingly become a bet on just five companies: NVIDIA, APPLE, MSFT, GOOG, and AMZN. all of which have really high valuations. I have about 25% of my portfolio in the S&P500.
I actually did SPYM but said VOO since it's more recognized. In hindsight, most people on this sub probably know SPYM is so I'll update it.
Hard to beat VOO, its nice having so much exposure and not risking betting heavy on an Enron
it would be different. I did a $100,000k lump sump into NVDA. I wouldnt do that with $1,000,000. With $1,000,000 i would get into VOO and chill because i could nearly retire off of that. $100,000k isnt getting me to retire, and im more comfortable taking on more risk with it.
Be proud of wanting to invest at a young age. So many waste their early income without realizing the compounding power they’re sacrificing. By using an online/high yield savings you’re already maximizing the return on your cash. Parking some funds in VOO with the intention of never selling for the foreseeable future(10+ years) will serve you as you build wealth long term. After reading your post, you appear to be focusing your energy on optimizing an investment strategy for savings and income that are very minimal. I assume you have no income as a student? I’d recommend that you focus 99% of your energy on increasing your income by either getting a part-time job or starting a scrappy/low cost business like pressure washing or mowing lawns. Then either reinvest those profits in yourself and your business, or park it in VOO/VTI. You can’t save your way to wealth, you have to earn it. The trick is being disciplined with the money you DO earn, and not squandering it. You mentioned wanting a car - cars are one of the biggest financial mistakes Americans make, financing cars they can’t afford and guaranteeing those loans with their future income which is uncertain. I’d recommend you buy an inexpensive, used, reliable car like a Toyota/honda. Many wealthy people drive these types of cars, and there’s a reason for it. Cars get you from point A to B unless you’re a car enthusiast, which it sounds to me like you can’t afford to be at this stage. “Investing” can take many forms. You can view travel costs as an investment if you feel it’s worth the return of traveling in your youth. You may even be able to find a way to creatively generate a financial return on those activities like travel influencing etc. I’d argue the experience of traveling will ultimately help you earn more money over your lifetime but maybe others would say it’s a waste. Check out Dave Ramsey’s baby steps. Your savings of a few thousands easily covers your emergency fund of 6 months. Pay down any debts, and anything left over that you don’t want in cash, throw it in VOO/VTI and don’t touch it. This captures the market return of roughly 10% per year and is better than keeping it all in cash. Yes, this is slow and boring but as you age you’ll realize slow and boring but consistent returns is EXACTLY what you want. Practice the correct investing behavior/habits today, not for the money it will earn you in the next 10 years, but because you will continue investing a portion of your income throughout your lifetime. Hope this helps, good luck!
100k? VOO and chill, cause it needs to grow. 1mln? Drop into high yield portfolio and enjoy stable payouts for the rest of my life.
lol 1 year chart of VTV was 15.8% and VOO was 16.8%. Most of my funds are still in VOO and other growth stocks, just not my current contributions each month. What’s your point?
By the time you're reading about it on reddit or seeing it trending, the institutional investors and algorithms already moved hours ago. I swear half the battle of "VOO and chill" is just learning to ignore the constant urge to react to every headline. Like yes, things are happening in the world, but me frantically buying oil stocks at 10pm isn't going to make me rich, it's just going to make me stressed and probably cost me money in fees and bad timing
To each their own, but VOO, SCHD, SGOV, and also VXUS if you feel like dabbling international. That’s the play.
Yes. Unless you want to spend Sunday afternoons studying weekly stock charts and a half hour every evening checking for 50 day crossovers, VOO and chill.
Today is the first trading day after the attacks. What did VT, VTI, VXUS (and yes, VOO) each do? Answer: VOO and chill or, as I prefer, VT and chill.
VOO will still beat the vast majority of professional investors who do this full time. You and I statistically have no chance to beat it. Sure, the occasional speculators will make millions on good guesses to convince us that we too can pick stocks successfully. Ignore that instinct.
Nah VT and chill the new VOO and chill
People who buy stocks like this are lost. You wont make much at all. VOO and chill or find single stocks that have good potential. Dont just meat ride the news and hope it goes up.
80% VOO or VOO + International fund. Whichever you fancy. I’m mid 30’s, so I still like to throw small amounts at individual stocks. It worked during the bull market at least. Rules are it can’t be over leveraged into any one stock and I have to take the profits into VOO. FWIW
Good balance and diversification. It's what I prefer as well, but VOO and chill works as well. Anything but cash outside of your efund/small position in dry powder at this point it seems. Vibe market for sure.
Chill.....if you already have VOO
VOO isnt average, its actually above average, it outperforms most investors because most investors think they can beat the market, but cannot.
I was just looking at that. Very similar to VOO right?
I’m in a solid spot for sure and fortunate to have a solid job at 30. I creeped your post history, I too hope to one day live frugally with my 98 inch home theater TV! Kidding, you deserve that if you’re putting 6k into VOO plus maxing other tax advantaged accounts. As someone who only maxes 401k myself, what advice would you have for other tax advantaged accounts to at are easy to set up / worth the hassle for the value you get?
VOO is boring but it works. Every time I think about trying to get clever with sector plays I just end up back at the S&P anyway
I am increasing my brokerage VOO buy this year from 4k a month to 6k. Got a raise and will maintain the same lifestyle.
Yes. VOO or a similar index. Whatever brokerage app you use isn’t called fanduel.
Figure out what your emergency fund should be, put that in SGOV. DCA the rest into VOO over whatever timeline/risk profile feels right for you
Early 30s - 500k in brokerage, and sad about missing out on VOO. Raining.jpeg
How'd you hit 40 VOO when it's like $650 a share?
Today I'm starting to realize that investing 100% in VOO, or VTI, or VT, just means that you're guanrenteed to be average. To me, average means getting a C grade. I think moving forward I'm going to allocate certain percentage into stocks that will outperform and put out better numbers than the average.