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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
Totally agree. My wife took a buyout and refused to move it out of cash. After a couple years my son convinced her she was losing purchasing power. We put it in VOO and never looked back. Nearly doubled and she is very happy she decided to VOO and chill…
Vug or VOO or VTI. Maybe vti.
You should consider switching over to SPYL which is listed on the london stock exchange instead of holding onto VOO as a non-american citizen. SPYL physically tracks the SP500 with a 0.03% expense ratio but only receives 15% dividend withholding tax instead of 30% and does not have to deal with the estate duties after you leave this world. This is an accumulating ETF which meand dividends are auto reinvested by default and you do not even need to activate DRIP in your brokerage app. Good luck!
Do half VOO and half VGT (exposure to a lot of tech)
"Just go for the ETF and forget about it?" Exactly! Messing around with your mom's potential retirement money will potentially cause her to lose a lot of money; and worse, effect your relationship with her negatively. Play it safe and strongly recommend an S&P 500 focused ETF, e.g., VOO, VTI, etc.
>Not reading all that bahahaha the fuck hahahahaha?? and there we have it folks the idiot reveals that their greatest weakness is reading yet expects us to trust their obviously uniformed opinions on investing. I was right, stick to VOO and chill hunny😘
I would just say find a good ETF like VOO. Reason for this is that it’s a lot safer than an individual equity and is diversified. returns are slower but risk is a lot less so you’ll most likely get an ROI.
I’m glad you know to respect other people’s money. I’ve seen people almost force others to buy certain stocks because they believe in them that much regardless of how risky or speculative they are. To answer your questions I would say either all VOO or some combo of tech, healthcare, and an industrial (NVDA, NVO, and GE for example). Best of luck.
If you don’t have time to keep on top of different positions just dollar cost average into VOO VTI or VT every month
Only index ETF like VOO, SPY, IVV. Unless you know how to trade actively with options and stop loss, it’s not worth it. You will lose lot of money otherwise.
Gold and some other commodities are considered a hedge. If I think we're headed for a recession, I might buy a little bit more. Hypothetically you have 90% VOO and 10% GOLD ETF and that ratio continues to favor gold as you age to protect your wealth, better than bonds imo, gold and treasuries would be better imo. And better yet, say we really did have a recession and pullback, well now I have even more gold to sell if I wanted to, I'll go against Reddit's advice... I'll watch VOO go down 10 to 20%, then sell GOLD or treasuries and DCA at a higher rate into VOO during the pullback. All hypothetical of course.
IWLD is a completely different concept than VOO, mate. You might as well be saying, "Soy sauce is the quietly better version of marinara." Like it makes absolutely no sense.
Right you are correct… I think your point is “everything” has a dividend? To your example NOBL didn’t break 10% last year and an expense ratio 10x VOO. NVDA’s 4 penny dividend is only to qualify for funds that require it. My point was to long term, high dividend investments will not keep pace. SCHD vs EQWL for example.
The interesting thing about your question is that the most intelligent thing you can do is being patient when it comes to investing. Anything outside of that is less intelligent and may veer more into the of "gambling". The amount of swing trading and options are truly a waste of time trying to chase fast gains. But I would say the part that made me realize patience is key is essentially breaking even after 7 years. If I just threw that money into an etf like VOO fron the beginning I'd easily be up another $100,000+.
If you look at a dividend aristocratic fund it has approximate returns of VOO/VTI. However counter intuitively it does not have a high dividend yield , the dividend yield is just slightly higher than VOO. Because even companies like MSFT has paid and raised dividends over the last 20 years, its just that their stock price has also appreciated much faster then their dividends making the yield somewhat small Even NVIDIA pays a dividend .
Lol, thought I’d check it: https://www.composer.trade/etf-comparisons/VOO-GLD
You’re the one with the misconception. I beat the s&p500 handily for a few years and now have much more than the sum of money I deposited into the account in purchases of VOO shares. I’m beating the market forever unless I sell some VOO shares, the rest is house money. And I still have been growing that house money a lot faster than the market in the couple years since I rebalanced the biggest. I have money continually flowing into VOO from it. There’s no scenario where I lose to the market.
Tax drag and fees are real, but they are not automatic deal-breakers for active strategies. They only become fatal if returns merely match the index. If you outperform by a meaningful margin, the math still works in your favor. I structure this by separating short-term and long-term allocations within the same brokerage. The short-term side focuses on compounding smaller gains quickly, with an average hold time of about a week, and in 2025 it beat VOO by nearly 3x, more than offsetting the added tax burden while consistently banking gains and rotating into new positions. The long-term side beat VOO by roughly five percentage points and STILL benefits from long-term capital gains treatment anyway. Some long positions will inevitably need to be rotated over time, just like the index itself does, and doing that actually makes beating the index more achievable. Ultimately, this comes down to how active you want to be. Active strategies require constant engagement and discipline and are not for everyone. As for fees, that is largely a solved problem with zero-commission brokerages widely available. I'm not sure what you mean there.
Given the fees that RWL has, I will likely move my RWL into VOO if those stocks take a serious haircut.
If or when a correction arrives for the top 10 market cap weighted stocks in VOO arrives..... I will simply buy more VOO. Then VOO will adjust based on cap weight. Corrections are healthy and normal for the markets. Bear markets as long as they are not sustained, are also healthy for the markets in occasion. These help determine price discovery.
I will never understand why all investment subreddits are so intensely brigaded by the hard-left. What does this nonsense article add to an investment discussion around a SCOTUS decision on tariffs? What are you hoping to gain? You think some VTI/VOO/VTX-investor will go like "Ah, I was going to read about the economy and how it affects my investments, but then I saw this marxist article on transexualism and now I will instead read about Karl Marx" ????
If you own VOO you pretty much do own SCHD. Most of the companies in SCHD are in VOO
Open a Roth IRA and max it out for 2025 (have till April) and 2026 Go 100% VOO or VT, you can rebalance later with no tax costs
VOO, it's just a market index. No one's making commission off selling it or anything. None of us are going to move "the entire market" with our hundred thousand dollar buy.
VOO has outperformed because tech has outperformed, and SCHD doesn’t hold much tech. Sector diversification is a pretty good argument, I’d say.
VOOV is the ETF that contains the theoretically undervalued stocks (note the extra V on the end). VOO is the full S&P 500. VOOG includes just the S&P 500 stocks identified as "growth" and VOOV includes just the ones identified as "value".
The simplest comparison is this: how frequently do they rebalance? VOO rebalances quarterly, and SCHd rebalances once per year. So VOO will adapt more quickly to things (companies or sectors) than SCHD will. This is likely why VOO has outperformed in the last 10 years
Anyone telling you not to sell a little is just insane. At a minimum get your money back out and enough extra to beat the s&p500 and buy some VOO. Yeah it might mean mooning a little less but this is how people *actually* beat the market.
The dividend rate is 3X higher in SCHD than VOO. If dividends are your tax problem, SCHD is a bigger nightmare. With low income returns, the difference is not going to be huge. With high income returns, the difference can be much more substantial.
I don't see the problem regarding the dividend, but otherwise, I also don't like SCHD much. Maybe it serves as a defensive holding, but total returns since the start of 2022 have been pretty anemic. That being said, I have shifted significantly toward value as a more defensive and diversified approach to 2026, but chose to replace some of VOO and a few other tech heavy holdings in favor of VTV.
>, growth-based stocks and or ETFs/mutual funds should be 100% the goal you had me in the first half, IMHO I do not know what will out perform in the next 30 years , VTI/VOO are not growth funds, they are broad market funds that will hold growth and value and also pay dividends Growth focused funds like SCHG are not guaranteed to grow more in the next 20 years, they might, they might not. I would say age doesn't even matter , I have no clue why people think they need dividends after 40/50/60? Returns are what matter. TLDR do not bet on growth or dividends buy the market . SCHB/VTI/ITOT take your pick
Some young aggressives like SCHD over a bond allocation. Not mad at it. Do I think all VOO or QQQM is better, yea. But whatever. As long as they spend less and invest more, all good in the hood.
The books I read said it over and over. My heroes Buffet and Munger said it. It really hit home as an advisor and seeing countless droves of people panic selling and not automating. You really have to know nothing. Buy VOO auto weekly. Work to increase that weekly. Only sell when you have an urgent expense to pay for. You could know nothing else and be fine with just that. You don’t even really need a cash equivalent strategy (money market or SGOV) if you were truly optimized to VOO and chill. The difference would be so small until retirement age it wouldn’t matter.
I'm about ready to say screw it and put everything in VOO
-11%, shares, on the streaming global leader. Do yourself a favor, sell and stick to VOO or a HYSA. Pussy.
VOO was talked about like that way before people started using ChatGPT to make their posts
Is that why I see VOO talked about so much more than other Index ETF?
“Maxed your accounts”, does that mean only 401k and Roth? That’s a shame. You should have been doing VOO and chill in taxable as well. It is an important habit to develop. I don’t care if it is $50/week in a Fidelity account (that’s how I started long ago). At your level you should be making friends with a trustworthy pro to do actual planning to see what you are on pace for. DM me if you want help.
Im mid 50's and hold an aggressive portfolio like you. VGT has been a game changer for it. I too get concerned about allocation. I'm45% VGT, 45% VOO, with cash and a splash of GLD and SLV in there as well. I'm in the process of selling a second home right now. The profits from that will be allocated to something like VTI. Just for the sake of balancing it out more.
Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS
Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|
In Germany, you cannot buy American ETFs VOO and VTI.
Go directly to SPY/VOO ETF jail. Do not collect 200
I do VTI, VOO, VWO and VEA. Majority being VTI.
Investopedia is your friend: https://www.investopedia.com/terms/e/etf.asp It's an asset you can buy just like a stock. It's technically a group of securities put into a single fund. Some popular ones are VTI and VOO. Their holdings include big companies like Nvidia and Apple and Amazon. You buy shares of the ETF instead of the companies directly. It's a decent way to diversify your holdings without having to think about it too much. Just buy stuff like that and hold until you retire lol
I was all in on MSTY and MSTR in January. Lost about 20k there. Went deep in on OPEN in APRIL with stocks and some calls. $600 on a .50 call went up 2500%. Then went in on critical minerals and got rugged. Then went all in on Ethereum and got rugged again. Now, back in OPEN today. I've been ultra bullish on OPEN since last year. Not advice but once I get back to even Im going full VOO and shutting my computer off.
At 27, time is your biggest edge. A broad ETF like VTI or VOO is plenty on its own. Owning both is mostly redundant, so I’d make one of those your core and keep it simple. If you want, you can add a small slice of something riskier for growth, but keep it small enough that you won’t stress during downturns. SPLV can smooth volatility, but it may lag long-term. Biggest key is consistency and not touching it when markets get rough.
Hedge may not be the correct word. But Yes it would be better than holding 100% VOO/SPY during your times mentioned. Even tho BRK/ab is 85%correlated to S&P during times. A true Hedge brings you Down during all other Market times, BRK is a good fund to HELP during Bear times and performs during other times. [https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU](https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU)
BRBK and VTI are good picks, SCHG. That said, the last three years I’ve basically said fuck it and have actively traded in my Roth IRA more than my actual account and not contributed to it, and I’ve managed to outpace VTI and VOO even if I account for hypothetical maxed out contributions that I haven’t made. So that’s been interesting. Long term is usually 10 years like you’re saying but a Roth IRA or 401k long term is longer than that because you’ll be looking to withdraw from it when you’re in your 60’s (not sure how old you are). The responsible choice is VTI and BRBK in my opinion.
same exact s&p 500 ETFS, just different issuer SPY and VOO both track the S&P five hundred, but yeah, the main difference is the issuer. SPY is from State Street, and VOO is Vanguard’s version. SPY’s been around longer, uses a different structure—it’s a unit investment trust, not a mutual fund like VOO. VOO has lower fees, usually around zero point zero three percent versus SPY’s zero point zero nine percent. Also, SPY’s more liquid, better for day trading, while VOO’s cheaper for long-term holding.
I’m so sick of seeing of seeing people dickriding Vanguard index funds and talking down to others as if knowing what VT/VTI/VOO is makes them a genius Vanguard index funds are like the most basic investment you can make. You’re not anything more than a spectator. It doesn’t make you a smart investor.
Doesn't KO underperform SPY by like 10% a year including dividends? Just buy VOO bro
That is really great to hear and outlook for the 529 for me to open. What vanguard 529 did you choose was it just VOO or something else?
VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.
The down side is: * Your investment can loose a lot of money in a bear market. * Some pear markes last for years. * These are mostly growth funds. They produce tiny dividends. * The only way to get income from these funds is to sell shares. IF the market drops when you sell you could loose money. The first goal off a young investor to to develop: * a retirment fund (401K, IRA , Roth) and maxyout the contributions you are allowed to depoist every year. * Build a HYSA or money maker account of 6 months of cash living expenses (the money you tyicpally spending 6 months. Not your earnings. * And max your any other tax deferred investment opportunity you have such as HSA. Now typically fund like VOO and VTI are excellent choice for a retirment fund. For HSA a dividend fund may be a good choice. After that you should develops a taxable brokerage account: * You can invest more than 6 months of money in growth index funds like VOO and VTI. to supplement your cash emergancy fund. Growth index funds grow very fast potentially giving you sever years of living expenses. But you have to sell these fund income. preferably you want o only well when you can make a profit on the sail. You do not want to sell at a loss. * IFyou have a Roth IRA you have $7500 per year expense for the yearly deposit. Sao start investing hi high dividend fund for income preferably one with a low tax on the dividends you recieve.. A good choice is QQQI with a 13% yield. and you pay no tax for about 6 years on the dividends you recieve. You can build this up to cover the Roth IRA deposits. * After the roth expenses are covered start buildin up a different dividend fund to press other monthly expenses such as utility bills, insurance bills, and possibly enough to cover the monthly mortgage cost. Try to limit each dividned fund to about 50K invested. And try to make sure each fund invests your money differently. Keep this up until all regular monthly expenses are covered by passive income from dividends. Dividneds are cash profit chaser payments made directly into your brokerage account from the funds you invest in. now it will take time to build up enough dividend income to cover monthly bills but once you have it the loss of income for any reason from work would not result ins bankruptcy and loosing your home. And once your dividend income exceeds your monthly expenses you can consider retiring or reducing the number of hours you work each week.
Cool. I just went with VOO. Thinking of putting a 1k on Mag7 for sport for my 2026 contribution. Max is a little more I believe this year but you get the gist. Thanks
Stay the hell away from options, you have $500k freaking dollars, you don’t need that. If you want to chill, just put some into SPY or VOO and some into QQQ, and another huge sum into a HYSA so you can really chill
Using assessment of risks and values in deciding allocation is not timing the market. Keeping substantial sums on the sidelines waiting for the right time to jump in is. Yes, the VOO is overvalued, and likely to give anemic returns for some time. So pick assets that are less overvalued.
I think now I prefer to invest in something "safer". So I was considering VOO or VT.
Some of these companies, such as the oil and tobacco companies, are not growth stocks. They are dividend aristocrats. This means you won't their stock price move much, especially over a single year. What they are intended for is returning increasing dividends year over year. If you're trying to compare this to something like VOO, or Amazon, etc, you'll be super disappointed unless you're willing to perform this experiment for like 15 years, through the next market correction. Then they will likely pull ahead. Look up dividend aristocrats and "CAGR" if you're curious. Over 30 years they outperform the larger market but I think you'll get bored before then.
VOOG has negative loadings on the value exposure about -0.34 according to portfoliovisualizer, while having a beta (or market exposure of about 1.06). VOO has a very slight negative value loading of -0.02, probably due to the big tech concentration, and a market exposure of 1.00. VOOG also has a less statistically significant negative momentum loading of -0.08. Longer term I would expect VOOG’s negative loadings to result in lower returns compared to VOO. This is despite the fact VOOG has a slightly higher beta. TLDR: VOO will probably outperform VOOG by maybe a 1% or something a year over the long term although that could obviously fluctuate a lot.
VTI is US index market cap weighted. So it’s mostly S&P500, especially the mega caps. VOO is only S&P500 and also market cap weighted. Your entire portfolio would be VERY heavily tilted to the US S&P500. You will have no exposure to international. That’s a good bit of risk. People forget at this point, but the global stock market is cyclical. What goes up, eventually comes down. Tomorrow? The day before you retire? After you die? No clue, but you have a lot of risk in the US performing well. If nothing else just go with VTI and skip VOO. At least this way you get some exposure to US mid and small caps.
Not much, they are both ETFs that track the S&P 500 just offered by different companies VOO from Vanguard and SPY from State Street Global Advisors. VOO will have an expanse ratio of 0.03% and SPY will have an expense ratio of 0.0945%.
I’m relatively new to this, so I guess my understanding was that VOOG invested in the tech more heavily and was higher risk/reward scenario as tech has been growing so rapidly but could also face a large reversal more easily than a more varied S&P Portfolio. I made a good bit another stock that I believed in (tech as well) that jumped like 600% which I sold and then reinvested to VOOG over VOO because I understood it as having a higher potential for growth. I understand what you’re saying about the current overpricing, but are you saying that VOO would function more similarly to a under valued stock?
Keep in mind that the term "growth" in this context is essentially just a nice way of saying "overpriced" relative to PE (with "value" meaning "underpriced"). It does not mean that those stocks are expected to grow more in terms of stock price over time but that those companies need to grow profits just to justify their PE and current stock price. In fact, historically, value stocks have outperformed growth stocks by a wide margin, not surprisingly since that means buying underpriced stocks beats buying overpriced stocks, though, in recent times, growth has outperformed value due to the prominence of tech companies being "overpriced" relative to PE. I call this out because I am assuming your "heavy focus on growth" is in terms of your portfolio value and not because you have a general desire to hold overpriced stocks. Based on the history of the stock market, a "heavy focus on growth" would actually lead towards an overweighting of value stocks (e.g. VOOV) rather than growth/VOOG, even if VOOG has been winner lately. The questions of when/if the tech "bubble" will burst and when/if value stocks will regain their historical position of outperformance is something that has been talked about greatly going at least a decade or so back. No one knows. All that said, I personally keep the majority of my portfolio in VTI (similar to VOO but holds the total stock market) and then hold a percentage in VOOG as a means of overweighting tech. I also own a small number of individual tech companies as a further means of overweighting companies I specifically believe will outperform. I do not believe these overweightings in my portfolio will make sense over the long-long term i.e. I do not view VOOG as a viable "hold for life" ETF like I do VOO or VTI. I wish I had isolated these holdings in my tax advantaged accounts as now I find myself with very high capital gains in my taxable which vastly complicates figuring out how to take profits and pull back on this.
What’s the difference between SPY and VOO then?
Yes. If that’s in VOO it’ll gain like $90k a year if not more. I could easily live on $90k a year
Dengit…. I just sold all my QQQ and bought QQQM and sold all my VOO and bought SWPPX. So I screwed up?
Lots of decades of international outperformance but not any recently . Point is you never know what will outperform. S and p got crushed by VXUS last year and VT. IMO I don’t care and I am 100% VOO in all my accounts. But as my portfolio gets larger I will add more VXUS maybe 20%
When I looked at my target date funds they all underperformed the S&P500 over the long term but had less of a crash during bear market years. Target date funds are actively managed. They try to take advantage of opportunities and cushion portfolios against potential downturns, as well as increase bonds as the person reaches their retirement date. They only really succeed at the last one. But you have to wonder with every egg going on in the United States right now, if VOO and chill is still going to be the best strategy, especially over the next few years.
>VOO is a bit more riskier than VTI While VOO holds less stocks, the extra stocks VTI includes are riskier than the ones on VOO
You probably don’t need to do both VOO and VTI. You should also consider an international fund to diversify. You are you d enough that you could probably split between VTI and something like VXUS.
Taxable brokerage in a diversified etf like VOO or VTI.
Generally investing in passive broadly diversified funds like VOO and VTI make sense. As pointed out elsewhere, they overlap so pick one. The issue now is becoming that a few large tech consituents are an extremely high percentage of the index. It is worth temporarily considering an allocation to RSP, equal weighted S&P 500. I am also a big believer in global diversification, so consider adding an international developed (VE or IDEV) and an emerging ETF (EEM or VEA).
What fund(s) are you invested with in your 529 where you're not seeing growth? Over the last year, VOO is up 16% and up 80% over the last 5 years.
VOO is a bit more riskier than VTI. If you have enough emergency funds for 6 months, then I would say VTI
I recently learned about SPYM instead of VOO… .02 expense and a much lower price which is helpful for smaller accounts.
Here's a visual representation of the downside: https://totalrealreturns.com/s/VOO,VTI,VT,SPY,QQQ,VGT (both VOO and VTI lag behind just buy and hold with QQQ). For someone in 20s, I recommend VGT which is a pure growth ETF.
Are you trading options? I think that's the only benefit of SPY over VOO, AFAIK.
Get used to investing simple VOO and chill in a taxable. Auto weekly, don’t rely on self discipline. You could use SGOV to save up house fund, but honestly you don’t know what interest rates will be like in 6 years. The most important thing anyone can do is get into the habit and muscle memory if weekly VOO. Look at your weekly as a “competitor” to your bills. 2k savings a month is $500/week. You could do half of that, 250/week VOO. The other 250 in SGOV. The more you invest auto for longer, the more used to you will be with market volatility and see it is a feature for the automated investor. When you have something urgent to pay for (like a house), you can choose to sell for that reason. You will learn more things, like Roth. You might change to Nasdaq vs VOO. When you change, just switch the auto. Don’t sell. Only sell to pay for urgent things. That’s it. That’s all anyone needs to know. You will eventually learn more, but it all grows from that foundation.
Consider VXUS as well since ~20-30% of VOO is the Mag7. That gives you international exposure.
VOO is an SP500 Index ETF with some stocks that pay dividends. VOOG is the same with more stocks that are focused on growth than on dividends. It’s not much difference since both have the same top ten holdings. You don’t need to worry about the AI holdings or it being tech heavy. The companies in the fund meet strict performance criteria or wouldn’t be in there. They have deep pockets, large cash balances, and strong fundamentals. VOOG is a big fund with 2 trillion in assets. You’re 29 so you need growth. So VOOG is perfect. The return is just a little better. I have IVW which is the same as VOOG but it has $66 billion in assets. I just like it due to its smaller size. Easier for the portfolio manager to manage cuz it’s not so big. The holdings are very similar to VOOG. I had it for over 10 years. The company is called iShares. IVV and IVW is like VOO and VOOG.
VOO or VGT. QQQM is more costly with fewer returns than VGT and needlessly constrains itself to only NASDAQ stocks which is dumb.
Honestly, my two favorite funds would be a 70/30 split with VOO and QQQM. Reinvest dividends and don’t touch it unless there is a major pullback. Upon a major pullback, sell some of each and instantly invest those funds straight back into SSO and QLD or even pick up some UPRO and TQQQ and let it ride. You’ll thank me later
Hey, sounds like you’re in a solid position overall — great income, a stable job, and you’re investing early with a long-term mindset. That’s already a huge win 👏 As for VOO vs VOOG — here’s how I’d think about it: **VOO** is the full S&P 500, so you’re getting a broad mix of everything — growth, value, tech, industrials, financials, etc. It’s kind of the "set it and forget it" option, and historically it’s been super reliable. Super low fees too. **VOOG** zooms in on the growth side of the S&P 500 — so more exposure to big tech and companies expected to grow faster. It’ll likely outperform in bull markets when growth is hot (like during the 2020 rally), but it can also underperform or get hit harder when growth stocks fall out of favor. Since you’ve got **time on your side**, VOOG could make sense if you're comfortable with more volatility and believe in long-term tech/growth trends (especially with AI, cloud, etc.). But yeah — it’s definitely a bit more concentrated, and you’ll feel the swings more. **On the AI front** — you’re right that a lot of the gains right now are concentrated in a few mega-cap names (Nvidia, MSFT, etc.). That can be a double-edged sword: great when those stocks are ripping, but painful if they pull back hard. **Tax-wise**, in tax-advantaged accounts (like Roth or TSP), there’s not a big difference — you don’t pay capital gains or dividends taxes there. In a **taxable brokerage**, they’re both ETFs so they’re generally tax-efficient, but VOOG might kick out slightly higher capital gains/dividends depending on rebalancing, since it’s more concentrated. Nothing crazy, though. **Mixing both?** Totally reasonable. Some people go like 70/30 VOO/VOOG, or the other way around, depending on their growth conviction. Or you could just pick one and stick to it — honestly, **the most important part is staying consistent over time.** Hope that helps — curious to hear what you end up going with!
The taxes I'll have to pay for re-allocating my SPY into VOO. Realistically they perform the same, but I just couldn't keep myself from wanting to consolidate them into 1 so my reptile brain can more easily track my s&p 500 allocation. Was roughly a 50/50 split before, now 100 VOO. Fortunately at least I held all the SPY longer than a year. I know it was stupid. I knew it was stupid. Did it anyway. Still stings a little.
You're awesome thank you. A lot of good points, so any index fund in particular? I did mention VOO, I have a big chunk in a vanguard 2045 already would an index fund still make sense? Thanks
It's more like 80%. www.etfrc.com say there is 88% overlap between VOO and VTI, by weight, but S&P themselves say the S&P500 is [approximately 80%](https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview) of the US total market.
VOO is limited to about 500 stocks selected by a committee, VTI is every stock in the US. The downside is concentration risk. Both indexes use market capitalization to decide how much of each stock should be in the index. The biggest conpanies will be proportionally a larger part of the index. If you buy VOO, 7% of your investment is in Nvidia. In theory, you're trusting that the market is pricing the companies appropriately, but in practice if it's not you are pretty highly concentrated in a few stocks and sectors. You are theoretically getting a better return (assuming the market is correctly priced) but should expect higher volatility. In addition, you're losing exposure to international stocks, which also might make your investment more volatile due to less diversification. In reality you have little to worry about over a long (10+ year) horizon. If you want greater diversification and less volatility, and are willing to accept potentially smaller returns, then go for something like 80% VTI, and 20% VXUS which is an index of international stocks. Otherwise just put everything in VOO and don't look at it.
Talking like AI isn't a compliment, it's the opposite. It means what you write has no substance. You chase penny stock and yieldmax, you really don't have anything valuable to advise anyone. You could have just repeated "VOO and chill" and it would be better than what you just posted.
If you keep it to only one ETF, it will hinder avoiding wash sale in taxable when it is time to sell. Also there could be some possible tax loss harvesting to do when large caps behave differently than dmall&mid caps. US market: large+ mid& small cap =VOO+VXF = VTI Intl : VXUS
Putting money into VOO and VTI is pretty steady long term, but you still need enough emergency cash since life has unexpected things.
Pretty much. For most people, broad index funds *are* the optimal strategy. Simple, boring, and hard to mess up. The real downside isn’t VOO/VTI. it’s behavior. Panic selling, tinkering, or abandoning the plan when markets get ugly. If you can stay disciplined, this is exactly how it’s supposed to work.
The main downside is not risk, it is concentration and expectations. VOO and VTI are excellent core holdings, but they are both heavily tilted toward US large cap growth. You are effectively making a strong bet on one country, one market structure, and one valuation regime continuing to work for decades. That may be fine, but it is a choice. The bigger risk I see in your plan is not the ETFs, it is liquidity and flexibility. You are aggressively paying down the mortgage and investing monthly, which is great, but make sure the emergency fund truly covers business risk as well as personal risk. For your age and horizon, simple is a feature not a bug. Just be clear that VOO plus VTI is a strategy, not a guarantee, and diversification means more than just owning more tickers inside the same market.
VOO and QQQM. Your welcome. More into QQQM :)