Reddit Posts
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
Mentions
BS... Goldman Sachs S&P Competitive Advantage and Kensington Dynamic Growth SMAs do so consistently. GS beats S&P by 3% per year on average with less risk over the last 15 years. You'd never know this because VOO is all you do.
Moving the goalposts I see. Yes I beat it by more than 1% per year. I'm not a financial advisor, but I don't see how that's relevant the point that it's actually possible to beat VOO consistently.
At your wise young age I'd take some advice from one of the best investors to have ever lived. Warren Buffet. He'd say, invest your funds in Vanguard S&P 500 (VOO) long term. Super low fees.
If you think Goldman or any of the “big names” have a crystal ball then you should to be forced to VOO and chill because you’re dumber than you look
It's not a financial advisors job to pick stocks for you. They exist to help you understand different types of investments and to make sure your money is invested correctly based on the amount of risk you're willing to take. It's not the safest plan to invest all your money in the stock market and VOO is very tech industry heavy so if there's a major bubble, you'd lose more money than if it were better diversified. At your age though, it's easily worth the risk, and they'll probably tell you that. The average middle class investor doesn't need a financial advisor, but as you generate more wealth you might.
I've consistently doubled VOO over the past 15 years.
Ive outperformed VOO by a significant margin buying nothing but funds. FSELX, FSSNX, FSMDX and international exposure alongside the S&P was all I had to do and I didn’t have to pay anyone. More than doubled my money in 4 years. Just buying and holding. A wide margin of people buying VOO don’t try to time the market so I’m not sure where you’re pulling that assertion from. You shouldnt be investing money that you arent willing to lose or sit on for a significant length of time. What exactly makes the downturns less painful with an FA? You have no control over the market either way. Refusing to accept that cannot be fixed by someone making devisions for you. That is internal emotion, and to be quite honest, weakness. Most FAs exist because of a gap in financial literacy in my opinion. The system purposefully keeps people illiterate to keep them poor and dependent. A good tax attorney or financial planner is necessary for a multi millionaire looking to be completely hands off or navigate taxes but I fail to see how it’s helpful for the average middle class investor. Since you seem to be an expert on financial planning explain what they would do for an average person that they couldn’t do themselves?
Horrible take, and you have no understanding of what a true financial planner does. People think “advisors are pointless, just buy VOO” but then market tanks and they sell at the bottom. Literally very few people know or understand their risk tolerance, and even fewer can handle the downturns. And most don’t know anything about tax planning and estate planning, etc.
I think I’m gonna block most of the other investing subreddits. The posts that get into my feed are always the same shit every day. “VOO and chill” “Proof you can’t time the market” “Why DCAing outperforms everything always no matter what I’m not crying you’re crying” And then the comments are just people being like “Yep. Never sell ever, no matter what. Even if you need the money or are retired. Never ever sell. It would make *taxes*.” At least we discuss real current crap going on here, even if we are degenerates
Not scam artists. But potentially not everyone needs them. But every situation is unique. Buying VOO and chilling is great for a long time but eventually you might reach a point where you can’t afford or stomach a 50% market correction. You may want professional help to hedge against that; limits your upside but also protects the downside. Or you might be in a situation where you’ve saved up a bunch and want advice around tax strategies and withdrawal planning in retirement. A good financial advisor can do a lot more than just tell you to buy Apple and take 1%.
I appreciate the sentiment about the cost of financial planners and the lack of fiduciary status, however, "100% VOO" may not be an appropriate allocation for your mom depending on her age, assets, and life situation. When in doubt use a target date fund, which might be more appropriate.
Currently VOO & VGT and chill, im in this subreddit to see the chaos and destruction 😂
So you agree that the statement that "no one beats VOO" Is patently false. Yes?
OP said "no one" is beating VOO. That statement equates to 100% failure rate by all investors to beating VOO. Then you, citing no sources, openly admit that 5% of JUST institutional investors beat the VOO. So....yeah.... The numbers agree with me more than the OP. and the best part is thy YOU made the argument for me. 😂
Switching my 75% VGT portfolio over to VOO in early 2030 then. Thanks for the heads up!
when you have kids please just invest them in VOO okay. they shouldnt have to suffer from your mistakes
Not a scam, just overpriced hand holding. Unless you're dealing with complex estate planning, tax harvesting, or millions in assets, a Fidelity account + VOO is literally all you need.
I’d go 70% NVDA and MU (both still fairly valued) and 30% VOO. Also, I’m A big Jenson fan!
Broad market index is VT. If you hold VOO only you’ll be completely fine as well. It quite literally doesn’t matter unless you’re retiring in less than 10 yrs. People are paying these advisors 1% to underperform a simple buy and hold VOO strategy. I will hold 90% equities and 10% or 5 years of expenses in cash equivalents when I retire . If your withdraw rate is less than 4% because of social security or just less spending then you don’t need bonds or anything else other than VT.
VOO and chill is an elite strategy, but I take issue with someone saying that no one beats it because there are funds that do
I did some chatGPT research and my portfolio has had a higher growth rate than VOO since 3/1/2020. That’s a nice feeling.
yeah this is not really a good take. if you go into every stock like this you are bound to not buy anything oder then VOO and SPY. But hey you do you. I have checked the data. GTA 6 WILL be revolutionary, it WILL smash sales records, literally everything points to it doing exactly that. GTA 6 online WILL be a cash cow and will have some sort of monetization. So yes, some of your statements were misinformation. e.g. the one where you said that they would need to sell hunderds of milions of copies AND microtransactions to make a profit which is just straight up not correct. All that matters RIGHT NOW for the stock price is how the pre-orders will do, which we will find out on Nov. 7th. what happens after that, I have no clue as of now. It is insane to me how many people say "priced in" or "shit stock". almost feels like they are actually grifting and trying to keep the people from buying. Like buddy, sure the release might be priced in, but guess what, it isnt. because the bookings expectations have been set way too low.
Are you a financial advisor?? (No) If you were, what fee would you charge? (Some amount) After deducting that amount, compounded since 2013, are you still beating VOO? (No) And even if yes, ARE YOU A FINANCIAL ADVISOR?
If you'd had an advisor who'd told you at 18 what you figured out at 30 they'd have made you a lot of money even if it cost you $500 to be told VOO and chill.
I am currently beating voo with individual stocks. HTFL and ASML. However I sold out during the China chip controversy and am sitting on $30k in cash unsure of my next move as my advantage over VOO gets smaller and smaller.
I beat VOO since 2013, both in raw returns and on risk-adjusted metrics.
Normal FA's like OP is talking about aren't doing that though. Your normal person is fine in VOO with a 30 year horizon
Of course many do. There's some bell curve of annual returns of stock pickers. The "peak" of the bell curve: that is the average return of stock pickers, will be to the left of the annual return of VOO. Probably about 2 or 3% in points less. But it could still be positive. And a significant chunk of the tail of the bell curve, will actually exceed the returns of VOO. But it will be less than 50% of the total stock. Pickers, And due to luck not skill.
Just my two cents, you can VOO and chill, especially if you have long horizon before you retire. I’m older and I do VOO and some value ETFs. I’m a little more conservative in my investing, but I’m still almost 100% in the stock market with no bonds.
Oh - I didn't know VOO was +60% this past year...
So I have a different perspective. I’ve been investing in stocks and index funds for 20 years now. My mom uses this company Ameritrade and they take 1% of her account every year. In my mind, this is similar to stealing half of her retirement account. I’ve begged her to change and just put all her money into VOO in Fidelity. From her point of view, it’s worth it. She knows that she’s giving them a lot of money, but it’s almost like a very overweight person giving a personal trainer money. The act of her giving a portion of her money is mentally adding to her motivation to invest in the first place. She keeps saying that she wouldn’t do it on her own. She’s happy so it’s not worth the argument.
Plenty of people do. They just don't work with the general public. You bogleboys are so dead set on indexing as the ONLY way that you fail to do even cursory research about other strategies. Will you make money in VOO. ABSOLUTELY. do other, more sophisticated inclvestors make more picking stocks? YES.
You have the right idea, open a fidelity/vanguard account and just buy VTi/VOO
No one is beating VOO by picking stocks, I don't care what they say.
Yea. I think you are right in staying out of the market means losing on gains, especially at 18. Compound interest is no joke. Also, there is a chance that the person you have responded to is only looking at the single investment in NVIDIA and just calling the whole thing stupid. For OP: happy medium - Just DCA into VOO or VTI. You still have exposure to NVIDIA doing that, but all of your eggs are not in one basket. Please, do some research into the basics before making life changing investments.
800 every month? Just all in VOO and be a millionaire in your 30s
How would you feel about putting 70% in VOO and then reserving 30% for fun AI gambling?
Seriously. Gg, high beta stocks. Boomers were right about VOO and chill.
Just put $46k in VOO at least. Or maybe $100k in VOO and then play with the rest, unless you’re already rich and this is just fun money.
Plus opportunity cost of VOO & chill, so technically a lot more
Yeah I mostly read the regarded stories here to remind me that my VOO and chill strategy is the right one.
Imagine if you all the money you loss on options were invested in VOO instead
Some of us VOO and chill and only come here to laugh at the people who don't.
How did you do this with 90% VOO? It's up 25% over last 5 years. You degenerate, cant even win with an index fund.. Makes no sense
He finally just put whatever's left in VOO
I’ll never understand rolling your entire wad into the casino. I know it sounds crazy but you could throw like 50% into VOO and then be a retard and gamble the rest of your money away.
Take 90% of your account, and put it into VOO. Take the other 10% of your account and put it either into stocks or light it on fire - both are about the same. Congrats, you’ll probably outpace and out earn 85% of the people here.
anyone VOO/VT and chill wouldn’t be in this subreddit in the first place
Don’t feel too bad. VOO is only up around 40% over the same time horizon.
90% VOO, 10% individual stocks. Thats what you should do
Thats the point. If nobody loses, nobody wins. There has to be a loser for every winner. You and I were never going to be the winners. That's for the big dogs. All we can do is put as much money as we can into VOO as often as we can and never look at it for the next 30 years. I was continuously losing like you, trying to time the market, trade futures, sell options, spreads, 0dte options, every ""trick" i saw on youtube...lost a ton of money. Then I gave up and went to passive investing. I finally about 3 months ago got my account above breakeven, and now I'm up about 20% from where I started. And it feels amazing. It will only compound from here, unless something terrible happens and the market crashes. Even then, I would just buy as much as possible and wait for it to go back up again gain more.
AI will basically tell him VOO and chill
Total return for JEPQ is 89% with DRIP (dividend reinvestment), comparable to VOO over the lifespan of JEPQ. Looking at nominal return for income focused ETFs is a smooth brained maneuver.
JEPQ +22% in 4 years SCHD +67% SPY / VOO +87% VTI +88% QQQ +137% QLD +268% “iT’s hElD uP wAy bEtTeR thAn mOsT peOpLe PrEdiCtEd” It’s shit.
Only up 5% YTD. No options, only high beta stocks. wtf, boomers were right about VOO and chill
If you want to do options, you need to learn about them, you need risk management strategies, you need to know what to do when the trade goes wrong. You need to devote a lot of time into this and figure out what works for you and your personality. Are there people who got lucky, of course. Are there people who have figured out what works for them and know what they’re doing, of course . But in options trading, you will find study after study that show majority of people lose money. If you don’t have the time to sit down and learn over months/years and refine your strategy then I would not do it. You may want to then consider the slow and steady thing like VOO/SPY (buy and hold).
I did a search on "zero dividend ETF" because after reading your post I was curious if such a productc existed. I found XDIV from Roundhill. It has only been around for about a year. What it does is buys the SP500 index, currently through IVV, and then sells the shares the day prior to ex-dividend and then just buys them back. Effectively that avoids dividend distributions. The prospectus says it might buy SP500 through any of VOO SPY IVV (and maybe others I'm forgetting). But current allocation I saw was IVV. I only know of SPYM that would be cheaper expense ratio.
VFLO is interesting I have a couple of thousand dollars worth of it in my personal portfolio but its dividend rate is a bit higher than VOO
Yes, VOO is better, but would still throw off several thousand dollars in added taxes over 10 years
VOO is more growth less dividend ( 1.04% ) I know VOO is the set it and forget it meme, so you probably already considered it, but it is my more conservative growth etf.
https://preview.redd.it/cg9fn7kkk7mh1.jpeg?width=1179&format=pjpg&auto=webp&s=646f57c29061287b169a099c4f47265a7c57d91f This is over a seven year span, buying and selling shares only. The first big drop was when I took profit to pay off student loans, but the rest was me freaking the fuck out and selling everything. Wonder where’d I’d be if I just VOO’ed and chilled 😎🤔
missed the biggest takeaway from his comment. don't seek returns. goal is to not lose money. even if he gave you a few companies to pick from, it'd be unwise to follow those picks because no one can predict the future. unless you have inside info. best bet is VOO, HYS and chill
Please don't just do VOO chill. Get some technology ETF. Pretty please. Tech and AI aren't going away. Ever.
Sure. If you are worried about diversification, I would diversify into more international stocks rather than gold. The international market is roughly 39% of the market. So, right now, you are basically placing a bet that the US stock market will continue to overperform by overweighting it in your portfolio. If you put all of your brokerage money in VOO, you will be more like 90% US. I would rather be 61% US 39% international and hold the market portfolio since I have no idea what portion of the market will perform best going forward.
Consistent profitability takes time and is a function of how well you educate yourself in the mechanics of stocks and options trading, how you manage your emotions when your stock is falling (learning not to panic but find a fix to recover your capital and sometimes taking losses if the thesis around the stock you bought is broken) . All is lost only when you have lose hope. Take the effort to educate yourself one more time in an organized fashion. The links below can complement what is out there on the internet. Also, here is nothing wrong with stopping to trade for a while and just buy ETFs or mutual funds like VOO index from Vanguard until you have educated yourself again If you have access to kindleunlimited, you can read in more details on [amazon.com/dp/B0H7P6CQSG](http://amazon.com/dp/B0H7P6CQSG) on covered calls , CSPs (plus 12 other strategies) . Each strategy covers; * What the strategy is and how its payoff actually works * When the adjustment conversation starts, and the trigger signals that say it is time * The fixes experienced traders weigh, and the trade-off behind each one * The story of the Greeks, so you understand why a position moves the way it does * A worked example with real numbers * The common traps, and how to avoid them . A critical part of options trading is picking the right strikes. If you are selling covered calls against the shares you like to own, for longer term, you will try to pick a strike where your shares are not called away. For CSP's , if you are placing a trade for stocks, you want to make sure you have a decent premium, and if you do not want to own the shares (while not recommended, sometimes the trade is done on whim, for short term gain) , you would like to pick a strike such that you do not get assigned the shares. I have an old post on how I pick strikes based on Volume Profiles/POC/VAL\_HI/VAL\_LOW and Deltas [https://www.reddit.com/r/options/comments/1u3qbv1/picking\_option\_strikes\_based\_on\_delta\_is\_not/](https://www.reddit.com/r/options/comments/1u3qbv1/picking_option_strikes_based_on_delta_is_not/) (5) Always trade within your risk tolerance limits and size positions carefully . Have an exit plan in place before you place the trade. (5) Beyond that , knowing the support and resistance of the stock, MACD, understanding of moving averages (10 day SMA, 20 & 30 day EMAs helps) .. and the last and the most important one is 'TEMPERAMENT' . For technical analysis, you might want to get thinkorswim by schwab or many others . There are lot of tools that might give you alerts when your positions are in trouble but we all should know how to manage the position. Bottom line - Always have cost basis handy and never sells calls below cost basis. Having an exit plan before placing a trade is essential.. That minimizes losses and produces superior returns. This post is based on my experiences and can complement youtube videos on options trading, other informative texts shared by other traders. Anybody charging a fee to help you improve is not the right person to go to.
**THE LORD’S PRAYER FOR THE DEGENERATE WHO THINKS HE IS NOT A DEGENERATE** Our Broker, who art on Wall Street, hallowed be thy ticker. Thy gains come. Thy portfolio moon. On Robinhood as it is in our dreams. Give us this day our daily tendies, and forgive us our paper hands, as we forgive those who sold before earnings. And lead us not into 0DTE temptation, but deliver us from margin calls. For thine is the leverage, the volatility, and the loss porn, forever and ever. **Amen.** But Lord, there is one among us who has forgotten. He speaks of repentance while refreshing his portfolio every 11 seconds. He condemns the 12-leg parlay while secretly checking FanDuel. He tells us to buy an index fund while holding a position he refuses to disclose. He says: **“Close the app.”** But his screen time says otherwise. He says: **“Buy VOO.”** But somewhere deep in his brokerage account lies a $47,000 position in a company whose CEO once said **“AI”** on CNBC. Lord, forgive him. For he knows not what he does. And when the next bull run comes, do not let him pretend he was always a disciplined investor. For we shall remember. **We were there.** **We saw the screenshots.** **We saw the calls.** **We saw the puts expire worthless.** **Amen.** 🙏
Do you realize that if another company surfers to a large enough size people with VOO will then own those companies? Like you’re just asking about stock picks to add alpha, the most basic thought of all time
Oh fuck my VOO is down 0.30%, I am panicking!
VOO , QQQM, SMH are 80% to 90% correlated. They are essentially the same thing.
Smh, boomers were right, VOO and chill. Garbage market.
He was a mod of the investing sub, not my friend. I just continued to DCA my paycheck into VOO and a certain percentage into mega cap tech stocks. Let's say the market did crash, I wouldn't care, I'd just continue doing what I always did with putting money into the market every 2 weeks. I'm probably even on the slightly upper end of the average Redditors age. I did the same through 2018-2020 and even a couple of years ago when the Dow dropped 1000 points in a day. As all the research papers have shown timing the market always fails.
VOO up 13% YTD. So flat! Market is struggling.
You're just... Doing it all wrong. Weekly dividends?? SpaceX???? You need to stop thinking of your port and a gambling mechanism and start thinking of it as a fantasy football team. Obviously you'd take more than one "pick" in each of these rounds, but you get what I mean-+ First round, aka the core of your portfolio/team, you mostly go with the guaranteed picks. VOO, QQQ, VT, etc. you wouldn't take some 10th round flyer in the first. Second round, you add a highly ranked player, like GOOG, NVDA, AMZN-- take your pick, but you still want something that you know will get you fantasy points (or in this analogy, growth) Third round, maybe a stable vet (BRK?) or an undervalued stud, like MSFT or AMZN. For the later rounds (or the bottom ~20%) of your portfolio, you can have a little more fun. Maybe add some RKLB or whatever you think is going to go to the moon (literally or figuratively,) take some chances, but spread your bets. Don't worry about having a small dollar-amount total in your portfolio right now. Think about it more in terms of portfolio construction at first, and then as you gradually get more money to add to the portfolio, you can put a few dollars into each position, and more heavily weight the safer positions or things that have dropped recently. Fantasy and investing both involve a lot of luck, but the main goal of both of them is to score / profit as much as you can, while managing risk. The best way to do that, consistently, is to construct a team or portfolio that is durable, but has room for upside. You build the core, and then you take small bets on higher growth opportunities.
similar to VOO? the past 5 years returned 83% vs schd of 63%, that's a difference of 20%. that's not counting the tax drag
I decided today to VOO and chill I was losing too much money being a retard haha
I agree with your train of thought but what does that have to do with having more or less money. SCHD has had very good performance over the years similar to VOO. The only difference is that you are postponing the tax event.
I’m not selling “NOW”, but I do have a sell order @ $240.00 to trim some of my position, which I suppose could execute within the week. I’m not selling on the earnings results or the guidance, but simply because my portfolio is rather overweight with US, mega-cap tech stocks that are heavily dependent on AI growth. At 13%+ of my portfolio (which is actually higher with my $VOO exposure), I want to de-risk slightly and take some profits. I first bought $NVDA in November 2024, so not that long ago, but my overall position is up 60%. I DCA’d for a while, and have watched it grow. Happy to take some profits, rebalance, and diversify.
Bet: you won’t beat VOO with that roster over next 12 months.
If you name an account "dividends" and then you buy options on that account after your main account goes broke from options, you are a gambler plain and simple. You have no impulse control. Options are not for you, stop gambling and buy VOO please.
if you dont know about those, you need to stick to VOO and not trade. i dont make the rules
I think you are missing my point. Take a stock like Nvidia. It has grown to an unprecedented size and now makes up a whopping 8% of the entire S&P. To put that into perspective, it is larger than the bottom 230 companies in the S&P combined. Let's say Nvidia has an terrible earnings report and the stock declines 5%. If all other stocks in the S&P don't trade, the 5% decline in Nvidia means the S&P will have declined by 0.4%. But of course the other stocks are trading, and when even a handful of shares of SPY or VOO are sold because of the 0.4% decline, it has a ripple effect of selling all the other stocks in the S&P as well. Those bottom 230 companies weren't even considered. They were sold because they were in the index. The market didn't even consider them. So the market doesn't believe that those stocks are now worth less because the market didn't even consider them. In instances this, some of the money that left Nvidia will get redistributed across the S&P and those bottom 230 companies (and the other companies in the S&P) will soon return to normal valuations. Their price decline had nothing to do market sentiment.
I was in the same position as you. Literally the same Thing. Early 30s, had just over 100k sitting in vanguard money market. My brother convinced me to invest in sp500 etf. Put most of it in VOO. In the last 4-5 years that 100k has magically turned into 150k, and I’ve literally done nothing apart from letting it ride. VOO and chill dude. 60 year old you will thank 35 year old you some day.
both are good: Voo VTI+VXUS Avoid dividend stocks in a brokerage. If you want to dividend invest... stay in growth stocks. Sell it all tax free in the roth and convert it when you are at retirement age. Doesnt do anything now but grow less and get you taxed. Gold/bitcoin is fine but i'd never put more than 5% in it. Bonds are pointless until you near retirement. Even then, I don't personally trust it because they keep changing how inflation is measured which false makes bonds seem better. SPMO has been beating VOO. Newish fund but old enough to have some history and its beating Voo with a heavy overlap in funds.
Unironically VOO and chill but that’s the easy way The wsb way is spy 0dte gambling
Finally, no more suggestions to buy VOO
I did almost a share of VOO using margin money and leveraged . Am I Cooked ?
Can we get a heat check on how much you would have made in the last few years of you were just in VOO? The world needs to know.
Don’t worry. VOO is my bible. 😊
As others have said, VTI is more diverse than VOO, which is more heavily weighted on a few S&P 500 megacaps. My only other suggestion is to think about what you want the money for. If you are investing to hold forever or until you get closer to retirement, have at it with 100% equity in the VTI/VXUS mix. If you are saving for something specific where you would like to be a bit more insulated from market volatility, like a house 10 years from now, I would consider keeping 30% of your brokerage invested in a tax exempt intermediate bond fund (ideally one that is specific to your state to be exempt from state taxes if you are in a high tax bracket). Keep in mind as well that VT, VTXUS, and similar funds will have the ex-US portions of the investment treated differently for tax purposes and gains, distributions, dividends, etc. are generally taxed higher (partially dependent on your tax bracket), so they are \*slightly\*better suited to retirement accounts where the tax implications are negated. The difference will be small but over a decade it's not nothing.
Roth and brokerage account have very different rules and can be used in very different ways for different purposes. In my brokerage I have invested in QQQI, SPYI, KGLD, EMO, UTF, UTG, PFF. These provide montlhy dividned that have a tax calsifcation of Qualified or ROC for tax efficiency this portfolio covers all of my livinenexpenses of 5K a month allowed me to retire in my 50s. Now a roth cannot easily be used fro income prior to age 60. So VOO and chill will work. But you might also want to add some QQQI in it so that the dividends will add to your your yearly deposit allowing more than 7.5K a year of cash flowing into the account. The more cash flow into the account the larger it will be when you retire.
Holding PLTR is the modern-day litmus test for intelligence in the market. If you genuinely believe PLTR is overvalued, you should be legally barred from owning individual stocks and sentenced to holding VOO for the rest of your life.
jeffbezosheadset.jpeg me listening with my 7 VOO shares
Then do 80/20 in your taxable account too. Then you'll be 80/20 in all accounts. If you do just VOO you'll want like 75/25 in your Roth. If you do VT in your taxable then you can do 85/15
VOO is actually less diversified, because VTI already contains everything in VOO plus extended market.
You can't get more diverse than VTI + VXUS (or equivalents) while staying within stocks. Using VOO instead actually makes you \*\*LESS\*\* diversified (you don't have coverage of the US extended or international markets in that account).