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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
Invest in VOO regularly and enjoy the power of compouding. Good luck.
1. **QQQ:** \~10.05% CAGR. 2. **VOO (SPY Proxy):** \~8.76% CAGR. 3. **VTI (VTSAX Proxy):** \~8.85% CAGR. this is the annualized return for the past 25 years. Again, you are fixated on finding a shorter time range that comes after a once a lifetime event for your argument. You outperform QQQ the decade after one of the worst crashes in stock market history then you eventually get outperformed after another 15 years. Granted we all have decades ahead of us, but number and return talk, and they are saying QQQ is the winner.
Every study that's been done shows that, over the long haul, buy and hold or an index fund will always beat the individual investor. Over a 20 year period, and index fund will always beat 95% of traders or investors. If you are doing swing trades are looking to make the most money over the course of a year, then it's best to throw the dice. I started buying gold and silver not long after the inauguration betting that the economy would be complete shit by the end of the year and I've been lucky so far. I hold VOO as well. I'm guessing the market will take a huge dump at some point but it will be from debt and a collapsing AI bubble.
You’ve already won the game. Your $48k annual spend against $2.3M in liquid assets is a practically bulletproof 2% withdrawal rate. Your only real enemy here isn't a market crash, it’s inflation slowly eroding the purchasing power of that $1.5M cash pile over the next 30 years. Keep 5 years of living expenses in T-Bills or CDs for peace of mind, then put the rest into a low-cost S&P 500 index fund like VOO or VTI. You don't need to "maximize" returns and take unnecessary risks. You just need enough exposure to equities to ensure your money keeps up with the cost of living.
In my opinion, 55 is the age to start becoming more conservative. Also, it seems investing conservatively suits your personality. I do think you should have more exposure to equities, but not as much as you may think. Right now, you are at about 35%. I would consider upping that to around 50%. My advice is to keep going as you are and if there is a 10-20% pull back in the market consider putting some cash in to bump up your equity exposure. As for the investing vehicle, SPY and VOO are index etfs for the S&P 500
If I can put in my nickel (since the penny is obsolete), might I suggest SCHG it’s like a cross between VOO and QQQ, so a little more tech heavy but better returns than VOO/VTI
holy after hours 17m VOO 15m IVV 5m SOXL 2m QQQ the rest is leveraged inverse etfs weed crypto and small cap stocks top is in for large cap tech especially semis 2026 the year of the RUSSELL
Not sure how that’s a contradiction. META takes on a $100bn loan at 2% backed against 10 years of profits. The banks that issued that loan now no longer have $100bn in liquidity to play with. In the last year hundreds of billions have can issued to these mega caps for their AI investments. This is why the repo market and lack of liquidity are a big deal. Comparing QE from Covid is also disingenuous, because they dropped rates to 0% allowing debt to be issued at the cheapest ever, debt which flooded in to the market and VCs because returns out paced the interest on the debt. My total net worth is around $8m, I keep $500k in my portfolio and withdraw everything above that to invest in property. I DCA VOO $4k every day for emergency fund.
If you buy a million of VOO first year you have a decent chance of more than 52k/yr over 19 years. The devil of the details is how much each plan effects your tax rate.
If you buy 1000 of VOO all your life its way more than 1M tho
I just stuck $200K into VOO. Buy it and forget it for a few decades.
Honestly just keep pouring money into VOO and you’ll make more money than 91% of this sub in the long run
Honestly from everything I’ve looked into regular independent investors can’t buy into OpenAI directly. It’s not a public company, and the only people getting a piece are huge firms like Microsoft and SoftBank through private funding rounds. The closest way for us “normal people” to get in on it is just buying Microsoft (MSFT)since they’re the biggest investor and basically tied at the hip with OpenAI. If you want even easier exposure ETFs like VOO, IVV, QQQ, or VTI all hold Microsoft as one of their top positions so you get indirect OpenAI exposure that way. But yea there’s no legit way for retail investors to buy OpenAI shares directly right now. Anything claiming they can get you OpenAI stock is most likely a scam.
Ya but VT is like the same top holdings as VOO and therefore only 4% better YTD. VXUS is up more than 12% over VOO YTD. 30% YTD is kind of insane for such a broad market etf, and it's because it excludes the US.
VOO and chill getting dicked down by VXUS and chill (thanks to the retard in charge)
I wish I had known in college that you could buy $20 of an ETF like VTI or VOO instead of needing to save up to buy a full share. Then again, the investment platforms have changed a lot, so maybe that wasn't really an option for me!
You can but there's no guarantee it will perform well. Honestly it would be better to just stick to an S&P 500 ETF like VOO or a total market fund like VTI. Ideally for the lowest possible risk, a total WORLD fund like VT would be a truly "set it and forget it" long term investment.
If you plan to do options, then SPY: 1) SPY is roughly 1 x price of VOO or 2 x price of VTI (and has been that way for DECADES). The prices track each other closely so you're not really getting any type of performance / diversification by going with VTI. 2) Options volume and bid / ask spread. SPY has one of the most liquid options in the world. VOO and VTI options are much thinner with wider bid / ask spreads. If you’re regularly selling and rolling covered calls, a couple of crappy fills can easily blow the \~0.06% per year you might save in expense ratio going with VOO / VTI instead of SPY.
Only of you think $500 billion+ in performance obligations is a bad thing. There is always a disconnect between investors who understand it takes money to make money and premature epudulators who neither patience nor vision. Oracle's earnings are down the line, while expenses are now. It's stock price just balances those two... and as of now it is up 26% for the past year, about double VOO.
If your main goal is long-term compounding, VOO or VTI are usually better core holdings because the lower expense ratio matters over decades. The difference is small year-to-year but meaningful once your portfolio gets large. SPY isn’t “bad,” it’s just more expensive because it’s structured for liquidity and trading. People choose it when they plan to do a lot of options since the chain is deeper and spreads are tighter. You can sell covered calls on VOO or VTI, but the options market is thinner. As for income, covered calls typically add a modest yield boost, not huge upside because you’re trading potential gains for steady premiums. Analysts like Addison Wiggin often frame it this way: * VTI if you want total-market exposure and lowest costs * VOO if you want S&P 500 exposure with low costs * SPY if options liquidity is your priority Pick the one that matches your actual strategy, not the one you might use someday.
Yeah I moved most of my money to VOO
Absolutely. I see that my own greed is part of the problem. I'm already a multimillionaire in my mid-30s, and it's mostly from investing in VOO since I was a 12 or something.
Just buy SPY or VOO or something and chill bro
Dear Heavenly Father, I know I promised to not gamble on options anymore, but I have failed you yet again. I promise I will DCA into VOO like a good boy if you save my options. Actually, I'll probably fail again, but help a brotha out PLEASE.
I bought it long back appx 2021-2023, held for few years, no great improvement. Better to stay with BRK/B directly than OMAH or VOO. Buy/Hold BRK/B far better than OMAH. Finally, I choose QQQ for my own choice now.
You obviously enjoy the management. Why do you care? When you get bored of it you can VOO or QQQM and chill. Seems like a lot of work. But the way you write you obviously like it. Most people would have bigger bags just automating buying VOO or QQQM on a weekly basis. Skipping all that work. Awesome job though!!
I don't know how many times I have to read this. If there is a deep recession and you lose your job, you don't get to wait it out often times as you need money. I get that most of Reddit has never experienced this, but I have seen it happen 3 times now. People always plan to wait it out, then the economy tanks, layoffs all over the place, still got to pay the bills and they are forced to start selling stock in the middle of a 50%+ drawdown in their account. It is the fundamental flaw in all the advice routinely given on reddit to just VOO and chill. It assumes permanent employment and you get to pick your exit, guaranteed.
You should learn to invest for yourself first. The best investment for a child is to teach. It’s easiest to teach by example. Open a Fidelity account today. Give it the nickname of your child. Put that 1000 in VOO today. Then setup an auto weekly buy of VOO with whatever you can. If it’s $10/week, fine. Work to increase that weekly. Sell ONLY when you have an urgent bill to pay for. If you sell for any other reason you panic sold. That’s a mistake. Congrats, that’s all investing is. Spend less, invest more. Teach that to your kid. If you can burn that into their brain, you will never have to worry about them. Congrats and best of luck!!
With FXAIX having a lower expense ratio than VOO (0.015% vs 0.03%) wouldn't FXAIX be a better choice?
For you and me, options are a great tool to do one of two things: * Tweak properties of a portfolio by acting as insurance by trading off possible future gain/losses for present revenue/cost, or * Gamble gamble gamble, baby! Use the notion of leverage to try to make money on speculative investments. Both are totally fine applications of options! If your goal is one of those two things, they're _awesome_. I personally use them for both, but most commonly as a form of risk/reward adjustment for certain positions. For example, I have a large holding of VOO, but am nervous with how much is tied up in a handful of tech companies that are all strongly correlated via AI efforts. I want to keep the position, but sell covered calls as a way of collecting guaranteed revenue in exchange for sacrificing possible capital gains. But, and this is CRITICAL - **options are NOT a way to consistently beat the market.** Options are a zero sum game - every dollar someone makes comes from someone else losing a dollar. **You're betting against people much smarter than you are, who think harder about finance than you do, and have more access to information than you can get.** More likely than not, an options strategy that earns $X/year in revenue brings significantly higher risk compared to a comparable dividend strategy. My VOO covered calls, for example, have cost me a few percentage points in capital gains even after accounting for the pretty step contract revenue.
Same, sold all $500k of my VOO @ $630 a few days ago to wait and see what happens today, felt kinda bad when it rose 0.65% after the Fed news, but AH being down almost 1% makes me feel I made the right choice... Also sold my Google position with over 100% gains after buying in around liberation day or whatever that period was called 😂
Is your thought that the extra printing will lead to more inflation, which will continue to push the VOO (s&p500) up?
unless it's 90% VOO or VIX or VTI or QQQ or SPY and 10% MOT or F or KO, (you get the picture), I 100% agree with you. New investors should not have 100% of everything in one stock. Back to the op on this thread, I do believe that if a new investor is anxious to sell, they should. One can never 'time" the market and my whole point was better to sell and be out a bit more profit than lose it all. I got in on Reddit (yes, because of my karma) and sold it at $72... stupid stupid me BUT, that was the point where I was comfortable and I'm okay with that.
You know what, Im gonna start buying VOO and forget about for the next 25 years -two weeks later- Damn I got 12 grand sitting in VOO ? Lemme get that shit
The SP500 has doubled your returns? bro you gotta step it up, maybe just by VOO and chill?
Can one transfer shares of VOO they already own to Fidelity? Or do you need to sell them all and use that money to buy their version of it? Considering possibly switching brokers in the future.
VOO + 13% 1year - GOOG +72% 1year
I read somewhere that Trump is really upset with the guy who nominated Powell to the Fed. [Plz ignore me while I quietly ponder my VTI/VOO/VXUS distribution]
My company stock went up quite a lot in the last a few years. Now my vested and un-vested stocks are half half. What I did from last quarter was to sell all newly vested ones on vest, and bought VOO. I probably should sell more, but tax is a concern. Besides, I think I might still be financially fine even if the company stock goes down 40%. So it is my plan to sell all future vested ones immediately to balance the risk and growth, and leave un-sold company stocks to kids with step-up basis, unless things change significantly.
Rate my portfolio Hello, I'm not some stock expert like you guys but make decent money and been investing awhile... Rate my holdings, or tell me what you would change! I probably won't listen, but I'll take it into consideration. Total Portfolio: $771K~ (all approx. numbers) VOO: $455K VYM: $109K SGOV: $98K (Slowly shifting to stocks, DCA) NEE: $24K LMT: $23K PYPL: 21K TGT: 21K UPS: 20K ADBE: 20K
Now that they're going to be printing $40 billion/month, raising inflation in the process, it seems I should take most of our cash in HYSA and put it in VOO or something for now.
sp500 etf like VOO is considered a large-cap blend etf. many consider it a growth etf is due to how the top 10 companies in the ETF, which comprises of almost 40% of the entire ETF, are all mainly tech companies. and of course, we all know how tech has dominated in recent years leading to massive gains for investors. a large cap growth would be something like SCHG and VUG. the top 10 holdings is even higher, for better or worst, comprising of almost 58% and 61% of the ETF, respectively. those top 10 holdings are also similar to VOO but the weightings are different (usually higher). therefore, you can say that large cap growth ETFs are more aggressive than VOO and usually suited to either investors late to the game (to make up for the lost years), for young people like yourself who can tolerate the volatility due to a longer investment timeframe of 20-30+ years, or simply for investors who just want to tilt a bit more towards growth.
It is Vanguard sp500 fund. You can buy that in Fidelity and any other broker no problem. Fidelity lets you buy in dollar amounts as it supports fractionals. So you can buy $100/week of VOO, for example. There are many other sp500 funds. That is just a popular one. With Fidelity, since you don’t have to buy whole shares, it is no worry. Best of luck!!
Isnt VOO solely associated with Vanguard ? Is there an equivalent or something similar to VOO outside of Vanguard ? Or can I access VOO through other brokers apps ? But thanks again in advance!
VOO for investing. Buy weekly and auto. As much as you can. Sell only when you have an urgent expense to pay for. SGOV (tbill etf) for emergency fund and short term known large expenses. That’s basically all you need. Tbill and aggressive don’t belong in the same sentence. They are opposites. Money is about when you will spend. Long term: VOO. Short term: SGOV. You’ll will learn along the way. But those are the basics. Auto invest, don’t panic sell. The rest comes with time. Best of luck.
Stop picking stocks, and just buy broad market ETFs (eg VTI/VOO). You can have some money in particular stocks you believe in, but if you are planning for long term growth rather than short term gambles it's the surest path to wealth over a lifetime. You might miss out on some wins, but trying to beat the market is both a gamble and a ton of work.
29 y/o here in the US looking for advice on what to do with $50k in cash. I’m employed full-time (W2) making about $190K/year. My main objectives with this money are long-term growth and flexibility: primarily retirement savings, but I’d also like to keep the option open for a home down payment in the next several years. Time horizon is mostly long (10–20+ years), and I don’t need this money in the next year, but I don’t want it completely locked up either. My risk tolerance is moderate-to-high: I’m fine with market volatility and drawdowns as long as the plan is sensible and long-term focused, but I’m not trying to YOLO or gamble it away. Current holdings include broad market ETFs like VOO, QQQ, and some individual tech stocks, mostly in brokerage/retirement accounts, so I already have meaningful tech/US equity exposure. I have no high-interest debt (credit cards paid in full). I’m considering keeping \~6–9 months of expenses in cash as an emergency fund and investing the rest in a more diversified, mostly passive portfolio (likely broad US + international index funds, maybe some bonds). Given this profile, where would you invest the $50k, and how would you split it between retirement accounts and taxable to balance diversification, tax efficiency, and my existing tech exposure?
Hey OP, a lot of people commented on this post, so don't delete it, under the threat of a ban. But do keep track of your logic and wins and mistakes and learn from them! When you get back in, concentrate on VOO because you will probably do better and your portfolio will have a lot less volatility, which will help with emotional aspects.
QQQ/VOO and UPRO cause I’m feeling spicy
FTEC and VGT have better performance than QQQM so you are incorrect. OP already has VOO and VXUS. They don’t need any more diversification
Same bro, lost $50K in options over 6 years. Could have doubled with VOO
Once I hold through JPOW and my puts are mega ducked I'm taking my losses, taking the tax deduction for 5 years, and buying VOO/SPY/qqq every month for the next 25 years.
I have $800 to throw at my first investment, any recommendations for something safe to start with that is likely to out grow inflation? Ive heard recommendations for VOO on past forums, is that still viable?
Once I hold through JPOW and my puts are mega ducked I'm taking my losses, taking the tax deduction for 5 years, and buying VOO/SPY every month for the next 25 years.
If you bought VOO 1 month ago you’d have gained. How this that deeply lucky?
Everything else aside, you're currently completely diversified. Investing in MSFT / ALPH / AMZ isn't diversification, you've **already** invested into those by investing into VOO and QQQ, which are already heavy on m7... If MSFT goes down, your VOO and QQQ go down too. Not by as much, but still. Real diversification would be investing into assets outside of the ones you've already invested in.
What my wife and I do... Starting at birth, 2k on every BD, taxable account in our names invested in VOO. This should net them 100k+ on their 18th BD. ($112,550 to be precise) UMTA accounts are dangerous, don't use them. At 18 or 21 it's their money legally and you can't unwind them. We skipped 529s, I have my reasons but mostly college is dying. Rather have the cash for house, car, trade school, college, starting a business. My 6 year old is worth $21,492, my soon to be 10 year old will be worth ~ $36,454 on his BD. My 6 year old is matching the benchmark of 10% a year, while my 10 year old will be behind ~$4,000 on that bench mark. I'll make up any difference when he's 18. (sequence of returns + delayed investments caused this) I have dozens of wealth management, CPAs, tax attorneys et al as clients, I asked all of them, they were all clueless until one wealth manager told me just use a taxable account, after I deep dove this strategy, I determined it was the best path forward. The best source I've ever found on this subject can be found here: https://www.paulmerriman.com/investing-for-children#gsc.tab=0 He has a video on YT that gameplays his 10k to his grand daughter up till 100 years old. I show this to everyone. I have no affiliation with him, I'm just a middle class guy trying to make his kids rich by long term investing. You can spend an hour reading his stuff, you'll learn a lot but he does the same strategy that I've deployed. Once annoyance is on Vanguard you can't give accounts nicknames, which would make life easier tracking all of this. I have an excel that tracks everything. I know when each deposit was made, I know what the benchmark is for each age using 6% and 10%, I know what they should and are tracking to have on their HS graduation date. Hell or high-water no mater what is going on in our life, that 2k will hit those accounts on their BDs. My wife and I take it very seriously. Lastly let's say you don't need to tap this 100k at 18, maybe you did well financially that you can help your kid out of your own account. At 62 that 100k is worth $5,500,000. Gold Jerry Gold! Hope this helps.
OP just buy SPY, VOO or VTI.
Guys the obvious money maker here is buying and holding VOO over a lifetime
Google, Google, Google, Some AMZN, , little bit of TTWO and VOO. 😩
> VOO/VTI and chill Good advice altogether, but what does this mean?
ngl you’re already way ahead of the curve at 20 – regular 2.5k/mo is the real superpower here, not the perfect ticker mix. Right now you’re basically running an all-US, mega-cap growth bet (VOO + QQQ + the same names again as single stocks), so you *are* diversified across companies but not really across regions or factors. You don’t need to wait till some magic “age” to start adding a bit of **intl** or even a small bond slice; you can slowly tilt that way any time your risk tolerance says “ok, this volatility is enough.” A super boring but strong setup would be something like broad US + broad ex-US as your core, then decide later if you still wanna keep QQQ / single names as a small spice on top. Not advice, just how it looks from the outside tbh.
75% of my portfolio was managed by a smart guy who has me in VOO, XLK, and a bunch of other growth-ey ETFs, and he has a system where he just holds no matter what happens, unless the price falls down to the anchored VWAP tied to some important event, which would signify a major change in character For my own part of the portfolio, I do swing trading of stocks, so I’m constantly getting in and out of things as they move above a certain line. It’s nice because I’m always churning, usually making money, hopefully making fewer mistakes, and it doesn’t really matter what the overall market does as long as I’m paying attention to the part that’s going up right now.
No, the messiah was right! The s&p(VOO) dropped by whopping 4 dollars in the past 2 days. And did you see that downward slope of a resistance line on the daily chart- crazy! >! /s !<
I’m 48, and slowly moving more of my assets into SCHD. It represents a 15% portion of my portfolio. The remainder is VOO, SCHG, and BRKB (in that order).
Put everything in the S&P and close your eyes. VOO is a good option. I'm serious
I held VOO and QQQM before and after retirement. 100% equities. No bonds or fixed assets. You are WAY young so you should be 100% equities. I’d suggest removing individual tickets and VOO and/or QQQM and chill
Honestly, for a 65 year old planning to stretch a million over four decades, that mix is a little spicy 😂. VTI and VOO together is basically double dipping into the same basket, and throwing 10 percent into GME at retirement age is like saying “I like adrenaline more than stability.” If you’re trying to keep growth while still giving yourself room to breathe, most people your age end up shifting closer to something like a 60/40 or even 50/50 blend once withdrawals start. Not because bonds are sexy, but because sequence of returns will humble anyone depending on their portfolio for income. The REIT slice makes sense though, especially VNQ, as long as you’re ready for the volatility that comes with it. If you want a second opinion that’s actually tailored, I got a ton of value chatting with alann capital when I was reworking my own long term setup. They’re pretty practical and won’t push anything weird. You can just google alann capital . com if you ever want a more custom breakdown. But yeah… maybe keep GME as a fun one percent instead of ten and call it a day.
If you are going to invest in total market ETFs like VT, VTI, VOO, VEA, VXUS then no, you don’t really have to research that. If you want to invest in individual stocks, then yes, you would want to research that. And that is complicated. Some segments or industries have higher or lower valuations. Software tends to be higher because it has a lower barrier to business expansion—you just need more copies of a digital asset (not just, but you don’t need to buy a bunch of tractors or factories usually). So then companies are valued relative to others in their industries—based on what the likelihood of earnings growth is among other factors. So, if a comparable business gets bought out by a larger one, it could cause a revaluation for instance, based on the comparable sale. For the S&P 500, PE ratios near 20 are going to be the norm because these are established and growing businesses (on average)—otherwise they wouldn’t have made it into a list of the 500 largest profitable businesses in the US. Generally these businesses are going to be stable and so their equity risk premium is going to have a lower spread to the risk free rate than smaller, less established companies. PE ratios are elevated because a lot of investors are betting on earnings growth from this new AI tool. Pricing the market at “normal” price during a time when a transformational tool might serve as a catalyst for rapid growth would intuitively seem to be a mistake. It would seem to be a steal to buy the whole market at 18-20 PE ratios when one of the most powerful tools in human history had just entered the stage—and that’s one of the main things driving prices.
I decided to be a boglehead in around 2015 and I have been stacking VOO ever since. Never sold I just move it around to collect brokerage bonuses on top lol
I'm 39 and 95% of my investment portfolio is VOO and VXUS, so yes this holds
At what point do you just do VWRA + a tech fund? Isn't this just VOO + some EXUS + EIMI according to market cap. also r/singaporefi
Just buy VOO and hold it for 20 years until you’re near early retirement
If you don’t know how to Invest then just VOO and chill, it’s that easy
We tend to avoid businesses that take on excessive amounts of interest or give interest based loans. Also avoiding haram things. If that’s not important to you I just say VOO/VT/Bonds.
15k? Come on man I just lost that last week. Please DO NOT kill yourself over 15 grand! Not that it doesn’t suck, but like other commenter said it’s not life changing. Stop with the options. Put all money into QQQM and VOO moving forward. Every cent. Come back in 30 years. You’ll be ok, and this will pass! DM me if you need to.
Instead of killing yourself, why don’t we try investing in VOO? Might be a tad rash of a reaction, don’t you think? Also, it’s only $15k. No offense, that’s not enough money to be killing yourself over. Start over, delete Robinhood, move that money to fidelity, switch your investor profile to conservative and invest in VOO or one of the Fidelity 0 ER funds. If you’re about to kill yourself, then you obviously never had the risk tolerance for options to start with. Please DON’T kill yourself, and take this as a lesson to not buy options if you aren’t prepared to lose every penny you put into it.
That is such a permanent solution to a problem. Even just doing something small that feels good, like taking a hot shower, or a going for a walk, can go a long way. My advice is to keep investing, but switch over to an automatic investment to VOO. It’ll make you a millionaire if you just keep doing it.
Think of all the money you lost on options. Back test if you 100% on VOO instead. Now look at the number and buy 0dte tomorrow regardless
lol. For normal investors the smartest strategies are dollar cost averaging and time in the market. You can even look at historical data and analyze what your gains would have been. It’s also ok to set aside some cash for dips. Obviously if you need the money soon then don’t put it into the market, unless it’s something like SGOV. Otherwise just keep investing and growing your wealth. My anecdotal story is during the April dip I kept buying in all my accounts despite all the doom and gloom. Fast forward to now I’ve made really good returns and honestly I wish I had the money to have invested more. Even though I find the saying “VOO/VTI and chill” annoying, it’s not that bad of a strategy if you’re an average investor and want peace of mind.
Only a fool would take it out, I’m 57 and I’m all in with VTI, VOO, QQQ has all dome well for me and will continue to do well.
What OP is doing is gambling. Sitting in VOO is about as little gambling as you can do while being in the market.
Canadian market, friend. Home country bias this year. More than x2 VOO YTD. I reallocated early in the year, and it's paid off handsomely. Going to maintain this position moving forward. 80-90% TSX, 10-20% SPY. I'll reallocate when sentiment begins shifting, which I don't expect will happen any time soon.
Splitting hairs here, but I’d go with SPYM if you’re holding long term as VOO is 50% higher expense fee. Those fees really add up over time with a larger holding.
I only keep VOO and Schig. Currently, AI performance is indeed limited; most of its capabilities are used for corporate layoffs, and civilian use is limited to translation and chat, and of course, image generation. Furthermore, Trump's interference in the global semiconductor supply chain has caused costs for advanced chip manufacturers to continue to rise.
2025 - Dollar has devalued 11-13% YTD VOO has grown 17% YTD Sp500 holders have gained the difference in that. I have a friend who sold 2 years ago waiting to reenter. Still waiting. He’s missed the huge bull cycle and has had his cash he put in his vault rotting away. Good luck on reentering, have fun on paying the taxes 🤣
Splitting hairs here, but I'd go with VOO if you're holding long term as SPY is triple the expense fee. Those fees really add up over time with a larger holding.
VOO and chill. Got some other random things but 90% voo for the next few decades
Maybe an wtf like VOO? Good lesson on diversifying. They could also compare long term time horizon charts.
I withdrew and paid my house and car off. Soo much less stress and now that is done I’ve bumped up my weekly contributions to VOO and just gonna DCA for the rest of my life lol
I just don’t understand this. Why sell? Just dca into VT/VOO/bonds (or SPUS/UMMA/GLDM if you are muslim like me)
Go for a fractional share and you can even make that a lesson this year, if you wish. Or, and I say this as someone who went through these learning stages with my own kids - the next logical lesson is a basket of stocks (ETF) and you buy them an S&P500 (fractional) share like VOO or whatever your brokerage has. Alternatively, if you want to stick with individual stocks they can relate to - Wendy’s is super cheap and you don’t have to buy fractional. Nike, SBUX, I mean even Roblox or Microsoft or Netflix (you didn’t mention their ages, so I’m giving a range of ideas). And speaking of dividends - one of my kids was tickled pink to yell “Yo, Verizon, I own your stock” at every store we drove by… for months 😂
VOO has a lower expense ratio than SPY and the FBI has announced sports gambling probes, so…
What if my investment in VOO has a good return( for example it is up 50% or more), should the I take profit eventhough I don't need the money right now ?
I would go 100% VTI or VOO I don’t know too much about the UK but in the United States the very last thing you start to invest in is a taxable brokerage account. You’ll want to take advantage of pre tax dollars via contributing into a 401k at work, an HSA and a Roth account with post tax. Then you put money into the taxable brokerage in the simplest terms. Some high earners do mega back doors but vast majority of people will just do 401k and Roth and then their taxable account is just single stock gamble plays.
You should start Googling some of the basics, but yes the earlier you start to invest, the better. At 19 you'll be immensely grateful to your past self when you're in your 30s, 40s, 50s. Don't worry about timing, experts get it wrong all the time, and you don't know what you're doing yet. Open a brokerage with any of the big names: Fidelity, Vanguard, Schwab and start investing whatever you can weekly or monthly into a broad index fund. $VOO or $VTI are both good options, and don't sweat which one you choose, both are good. Terms to look up: * ETFs (Exchange Traded Funds) * Taxable vs. Tax Advantaged Brokerage * Capital Gains Taxes: Short vs Long term * IRA / Roth IRA * 401k * boglehead method (safe investing method to use while you continue to learn)