VOO

__redruM

No, I think telling investor to ignore proven passive investing plays such as VT, VTI, and VOO just to avoid spaceX is manipulative. I’m not touching SpaceX directly, but I’m also not selling VOO to avoid it.

ScytheBuster452

I'd go 60% VOO (the basics from the S&P 500), 30% QQQM (tech companies that grow fast), and only 10% SCHD (dividends), since you're already putting 2k/month into your 401k with S&P 500 and SCHD is probably too much safe investing when you have so much time to let your money grow.

West_Flounder2840

grandpa should have bought VOO 17 years before the index was even created, simple as

tonufan

SPY won't pull back as much as some of these AI names. Many could easily go -50% while VOO does -10%.

_genepool_

VOO with some VXUS. You can alter the percentages in each depending on what is happening in the world.

rusticlizard

Depends on age/risk tolerance but a fund like FTEC has generally more upside than VOO. But since you’re young I’d err to the side of higher risk.

Jealous_Bookkeeper20

With 4M and only needing 3k a month, her annual draw is under 1%. She has no risk of running out of money, so she does not need to take on commodity risk with PDBC or Nasdaq tech tilts. If she wants that 100k separate from the Edward Jones fees, just put it in VTI or VOO. Since she already has cash at Bank of America, she can open a Merrill Edge account for that 100k, buy VTI/VOO, and instantly qualify for Platinum Honors to get their credit card bonuses and banking perks.

Jax_Alltrade

Doing your own research helps. I also think that the restriction on certain analysis here creates a barrier to this, particularly with the cannabis sector, as many opportunities are, by their very nature, outside of common knowledge. I had a recent analysis I had to post elsewhere. Maybe the policy is a net benefit, but it will undoubtedly restrict proliferation of certain information which could be lucrative in the future. There are very few companies that yield such impressive short term returns without being obscure. There are always companies that are positioning to grow aggressively, REITs that are paying outsized returns without dilution or capital erosion, and zero to hero stories. There are a larger number of the inverse: Big companies that are about to catastrophically fail, REITs that dilute and erode into insolvency, and once great companies that go the way of Sears, Kodak, etc. It's also worth remembering that someone who turns 30k into $1 million and then realizes that will only walk away with 500-700k, give or take, depending on where they live. That's a lot of money, but a pile of cash is only as good as the income you can turn it into. Don't get me wrong, those returns are amazing, but if that's the only big hit they get over 50 years in the market they won't beat VOO or similar broad market funds. If you keep buying good companies with solid financials that you would be happy to own for 10-20 years then eventually you'll find one that will make dramatic returns. For me, one of those was NVDA, but I've also seen significant returns from RIO, EPD, some cannabis stocks I can't mention here, AMZN, UMC, and a few others. I bought each of these companies because I thought they were excellent companies at a fair price. I have many other positions which have had modest returns over the years: O, PFE, XOM, and a few others. I don't regret owning these companies, but it's important to remember that this usually follows a Pareto distribution, where 20% of your stocks will account for 80% of your gains, and 1% will account for 50%. So my advice is this: Just buy companies that you think will do well over the next decade or two, re-evaluate periodically, and eventually you'll find one that unexpectedly blows past your expectations. Also, avoid selling your winners and holding your losers, and avoid making snap decisions and impulse purchases/sales.

Either_Librarian7238

Sell it and reinvest all into VOO

Apple2o

Sell it all for VOO

CantaloupeSad72

SPY honestly, if you want leverage then VOO

purplenyellowrose909

The evaluation of your portfolio is unaffected. Space X will be absurdly diluted in any index fund like VOO or QQQ. People pulling out are doing so because they philosophically disagree with a figure as controversial as Elon Musk seemingly using his political connects to pass the rule changes that allows him to automatically raise $1.75 trillion for his company without having the profits to justify that.

Old_Party3623

I hate the idea of being forced to buy Space X, given that it used to be a prereq that companies were actually profitable. I don't think many would disagree that this sucks and is an obvious way to cover rich butt buddies at our expense. That being said I'm keeping my positions. I'm pausing my reoccurring investments and keeping that cash in my HYSA until these market highs calm down and we can see what ramifications this poses. I plan on keeping my positions in VOO for another 20 years so my current value doesn't really matter to me.

Doodl3s

Id personally choose VOO for new investments.... with the AI valuations growing way above normal levels and now SPCX

ackyou

I believe that QQQ will over weight SpaceX while VOO will stick to the actual free float market cap weight. So I feel fine holding VOO or any other fund that follows that methodology.

Trzebs

For that reason, VOO is a slightly safer option than VTI. VTI tracks the CRSP which announced changes to their inclusion criteria to benefit SpaceX. VOO tracks the S&P500 which has not announced plans to change its inclusion criteria. However there is a proposal to do so. The ramifications would be changing the inclusion timeline from 12 months to 6. Still shitty that they're considering it at all, but it's better than reducing it to only 15 days. DFUS basically is the same as VOO/VTI and it is not changing its inclusion criteria. 

Kitchen-Assist-6645

You should be afraid of missing out. I bought MU and SNDK a few times on their run up. Most recently, I bought at 779, before it dropped to 655. I'm still up 35%. It'll hit $1200+ after earnings, and keep grinding up. Of course, if VOO and chill is working for you, don't undo your own plan.

shryke12

I put everything you need to get in that post. It's all safe buy and forget investments that will throw off solid cash flow for reinvesting or use in life. So you just buy 25% in each of the four funds below, they are all diversified low fee funds. 25% VOO - S&P 500 25% VXUS - international basket fund 25% SCHD - Value and dividend basket fund 25% MLPX - Energy focused fund that reprices rapidly with inflation. Has a high dividend. This energy ETF is unique in the stack as it's holdings are not sensitive to energy prices. They are logistics. This is a core staple holding of mine.

brute-forced

Because you said you have $160K and no idea what to do with it. What do you mean why? Why invest? Or why VOO, or why what?

CSguyMX

Im pissed, unjerk moment, do I just jump in late or keep the VOO strategy

shantired

BND is a bond fund from vanguard, its a total market ETF. It’s not the best, but has a decent return. If you’re going to invest in VOO and BND, then it’s best to do it by opening an account with Vanguard. They have a clunky website but that also helps them keep their expense ratios low. For HYSA, my favorite is Amex just because I have other credit card products with them. There’s a bunch of others that you can research.

zachuwf

I think the market broke me, I’m just going to be a good boy and VOO and chill for a little

stbloc

VOO. Thank me in 10 years.

shryke12

If you were going to hold that as a long term investment, you need to stop picking individual stocks right now and start only putting your money in VXUS, VT, VOO, or SCHD.

shantired

The limit for zero tax is 250K if you’re unmarried and living in the same house for 5 years, which is your case. No taxes on 160K and 9 years. Here’s one way to invest: 35K in HYSA 85K in VOO or SPY or FXAIX (all are very similar). This is basically investing in pure American capitalism. 40K in BND or equivalent. This is a bond fund that you can use to buy more stocks or funds when the market is down (remember the adage: you make money when there’s blood on the streets). I would suggest that you put all your money into a HYSA right now and then invest about 10-20% every month into the 2 funds to dollar cost average (DCA).

Throwaway1021920087

VOO, or find a good fiduciary to help you pick money markets/stocks/bonds that work for you; I'm not knowledgeable about what to buy, just general advice

Riven97

invest in what money market or VOO?

Successful-Two-114

There’s more volume on SPCE this morning than NVDA or the VOO. Someone just took a massive short position.

KingAso88

generational wealth no but millionaire yes. I just hit a million yesterday thanks to nvidia. I haven't been aggressively investing. Mostly 15% contribution to S&P 401k fund. slowly DCA into VOO and some chip stocks. I think I can retire with 3-4 million no problem but inflation is a hell of a thing. Many people don't have high paying jobs and are living paycheck to paycheck. I also have a cousin who does the DD analysis and has recommended some good picks for me the last couple of years. Small positions but sizeable gains.

RipComfortable7989

>Does anyone really even Google things anymore? Hoo boy, if you think the stock price goes up or down based on how many people do a google search, brother I think you should just stick to VOO.

Typical_Web_2125

I have enough google in my VOO to not worry and think about stuff like this

Typical_Web_2125

I got enough google in my VOO

WTFHELP

Will it get added to VOO? That's what I need to know.

Autobahn97

Park the money somewhere safe that makes some interest for you - a high yield savings account (HYSA) linked to your brokerage account. You can also part it in several T-Bill funds that will provide interest but that are still relatively liquid like SWVXX but there are others. Invest it slowly over a year or 2 every week or month into a low cost fund like VOO/SPY (for SP500) or if you can tolerate more risk QQQ or QQQM for NASDAQ100 (though it could be volatile with several huge tech IPO hitting). Or some split between the 2. You can be fancy and buy VOO/SPY that tends to be more stable as a default but if its a down day in the market buy QQQ since NASDAQ tents to fluctuate more and some feel that QQQ gives them a little more swing upward when the markets are inevitably up when you retire in several decades. Best to setup an automated investment system. In general the key is automation with several smaller contributions over time to spread the risk and low cost funds to get the historical long term annual return of 10% the market provides over decades. Have faith in the long term market returns and don't sell on any short term fears or market concerns. Often the most difficult part is to remove emotion from your investing (easier said than done).

Mojoprimrose

If you want to set it and forget about your money for the next 2-5 I would suggest VOO, it’s going get you pretty much the best results. I personally put $10k into GEV and have been extremely successful! I just bought into DRAM last month because I believe in the ETF and see it as a bargain

nanotothemoon

Id put it in VOO and save as the down payment for next home

UllrsWonders

To avoid that you can get equally weighted ETFs that hold all of the indices equally rather than based on market cap like a standard Etf (VOO etc.)

House_Junkie

I was sitting on $300K in my rollover IRA 100% VOO from my previous employer and said fuck it and sold it all for MU last Wednesday. So far so good, going to give it a few more days then sell it and buy back into VOO with the gains.

shryke12

My advice would be don't pay a fiduciary if you feel you have patience and not panick sell in downturns. And don't overtrade. Simple strategy. 25% VXUS - international basket 25% SCHD - Value and dividend basket 25% MLPX - Energy ETF reprices rapidly with inflation - high dividend. This energy ETF is unique in the stack as it's holdings are not sensitive to energy prices. They are logistics. This is a core staple holding of mine. 25% VOO - S&P 500 This is globally diversified, will throw off great income, will thrive in high inflation periods, and provide growth. If you don't need the dividends reinvest.

chris_ut

Open 2 accounts. Put 90% in VOO and never look at that account again until retirement. Take 10% and this is your “risk account” that most people will end up wiping out but maybe you end up being good at trading individual stocks and can grow it into something substantial.

brute-forced

Do not speak with an advisor. Just invest it in broad market index funds like VOO over time or lump sum if you trust “Time in the market vs timing the market”

brute-forced

$6,666/month into VOO for the next 24 months. Or, what I would do is $14,333/month into VOO per month for 12 months. Start TODAY.

ChokaMoka1

VOO and chill 

MountainOpposite3199

Congrats on the sale. Whatever you do, don't dump it all in one stock or meme coin. Put at least 6 months expenses in a HYSA, max out your Roth IRA for the year, and maybe throw the rest in a low-cost index fund like VOO or VT. Also talk to a tax pro - you might owe capital gains on that. Good luck man.

Fun_Training6342

VOO AND QQQ dead flat

MSFusionHV

I guess I'm confused. Are you a true long term investor or not? Why do you care about always having the hottest returns? Do you require huge returns to meet your goals? That'd be unrealistic. No matter what you pick, something will always be doing better. A few years is NOTHING and much of those gains could easily be wiped away. Those people are playing with fire and it isn't a serious and evidence based long term strategy. Remember that people will never tell you about the many losses they've experienced. These gamblers are not going to beat indexing in the long term. Professionals can't do it (check SPIVA) so why would airheaded retail investors be able to do it? Think about it. I highly recommend distracting yourself with any other interest. I would also recommend VT over VOO because US can stagnate and go nowhere for a decade and how would you react then? There are realistic scenarios in which international outperforms significantly ss valuations do end up mattering (eventually). Stay focused on the long term. Good luck. Or don't listen to me and go all in on DRAM.. you do you 🤷‍♂️.

Mzungufarmer

Not a good investment? I bought a 350k 4 plex with a tiny down payment (I think around 20k) back in 2014. I lived in one unit and rented the other 3 out for 1k each (currently 1500 each on all 4) at 2.25% APR. Its now on the market with several offers around the 1.4 million dollar mark. My gross total income for this time period has been a little over 700k. Ive put a total of 50k into it for renovations and repairs. Ill probably pocket about 900k once it sells. Id say 1.6'ish million dollars for a 20k investment over 12 years is decent. Especially if you compare it to 20k in VOO. And yea i know, anecdotal evidence...but i also had 3 other properties from the timeframe have similar success (tho they were 100k properties i sold for 250k each around covid era).

Commercial-Archer248

I'm just buying more VOO because I'm a coward.

nfordhk

If the float is only 5% free float at IPO. That puts ETFs such as VOO at an estimated weight extremely low. While I don't agree with this approach, it seems rather insignificant in the grand scheme of things. At least to start with. The real problem becomes is when the float starts to rapidly rise. This means a much bigger position. But, at the same time if the stock price just falls off a cliff, the overall valuation goes down which balances it out.

Any-Yogurtcloset-493

For a 2–5 year horizon, I'd lean toward broad ETFs over individual stocks. Even great companies can disappoint over short periods, but a fund like VOO or VTI spreads that risk across hundreds of businesses. If picking individual names, I'd focus on companies with strong balance sheets, durable competitive advantages, and lots of cash flow—not just the hottest story of the moment.

GitDaHellOuttaDoge

VT and chill. Look at VXUS and VEA 2025 returns they handily beat VOO so some international exposure may be boost returns

nanobot_1000

I cashed out and am back to boring ass VT / VOO until it all goes tits up

IntrepidToday0

At this point, why even hold VOO or any non-ai stock?

mx_js_reddit

ETFs on the broadmarket like VOO if you believe US companies will keep existing or QQQ if you believe technology is part of the future. Very sensible bets actually. The ETF part is important because they will get rid of the bad companies and let in the good ones

Axe_Raider

if VOO or VTI are your baseline, QQQ is definitely high-risk. it has done incredibly well over the past 10 years, but that was at the cost of higher risk. i wish i had been in it.

Dont_Touch_Me_There9

I sold all of my MU today after an increase of 500% over the last year, just couldn't stand to not take the profit. Put it all in VOO.

N1oma

It's with wealthsimple in Canada. It's 4% (prime + 0 because of the amount I have in my TFSA and RRSP) USD stuff is 7 percent though. Just to try it out I bought 1k in VFV (canadian VOO) but I'll buy 1k in AVGO and see how it goes. But I'm assuming this is how some people got some pretty massive gains by maxing their margin in some semi stuff? I've been buying AMD since 2017 but I was poor until 2021. wish i had some balls.

moorhound

Gonna give one of those non-ber tips that I'll say exactly one time. Buy Google tomorrow, especially if it dips harder. Quarterly ETF rebalancing is coming up EoM. This means the major market-weighted ETFs (SPY, QQQ, VOO, VTI, etc) have to buy and sell shares to make the ETFs reflect the new market caps. Last time this happened was in March, and Google's gained damn near a trillion dollars in market cap since then (Rank 4 at $3.6t -> Rank 2 at $4.5t). This means all of the ETFs are going to *have* to buy a fuckload of Google stock, starting around the third Friday of the month. Google knows this, which is why they're diluting now. Do the smart thing here, or dump your money into a dog-ass stock like SPCE, idfk

tomgreen99200

VOO is slightly better

Cartoonicorn

Do not throw away good money. You are already heavily invested in this one stock. Changing your average does not make the previous losses disappear, you are just shoveling more money into what looks like a very risky, losing gamble.  Pick something else. SCHD, VOO, hell, consider putting a *little* into MU (also a gamble, but at least it is a gamble that is going up!  Set yourself up to retire, not lose your shirt or worse.  Good luck, but please, please diversify safely, learn your bitter pill lesson, and invest more carefully from here on. 

slavicslothe

Pretty short horizon. Why 5 years? Much higher risk. Would reccomend hysa and bonds mixed with some VOO. If you can hold longer, almost 100% VOO.

EqualRadiant

Over the past 5 years TSLA is up 108%. VFV is up 105%. I did almost as well as your prof without taking all that risk 🤷‍♀️ VOO wasn’t too shabby either.

DystopiaInbound

$DFUS. Dimensional funds S&P 500 fund, higher ER than VOO (0.09 vs 0.03), but doesn't have to buy SpaceStuff AI etc at IPO price, I believe more strict inclusion criteria. Check out Ben Felix, he's got some pretty good  evidence based content.

pragmojo

The S&P and Nasdaq are not ETF's, they're indices. ETF's like VOO and QQQ track the index.

vetruviusdeshotacon

VTI after 5 days, QQQ after 15, VOO after 6 months as they are waiving the profitability requirement

trix_is_for_kids

Get him a physical share certificate of Disney because it has the characters on it (at least it once did), put everything else in VOO or VT

Immediate-Run-7085

Is your grand nephew 70? That’s the only reason why I’d see anyone investing in Disney or Coca-Cola. Buy him shares of VOO twice a year. He’ll be grateful when he actually hits 70

tk421tech

Ok so under $20k Switched it to VOO 70% VXUS 20% and BND -> APPL / plan to get 10 total shares and leave alone for 10 yrs.

Kqzxh-900355

AVLV and AVUS. VOO has been really expensive recently.

jpgnewman195

Today I bought $VOO $ASML $AMAT $LRCX

jpgnewman195

I will change nothing. I’ll just continue to put it VOO and leave it there

Much_Candle_942

No fund manager wants to get fired - so if you just copy S&P and take a hit, you've the "overall market" to blame.  Even with your own funds, VOO people subconsciously want something to blame, and are too lazy to do a little due diligence that could dramatically increase their chances of outperformance. 

RothTo0DTE

Just sell that shit for a loss and stick with VOO

jrichar

I typically just buy and hold long term etfs such as VOO. I rarely dable in day trading but I thought I would buy MU and see if I could make a profit before the end of the day. It dipped so now I am holding after market close. I understand I am gambling and now I am nervous to hold overnight. Thoughts?

chinaski73

For ETFs- VOO and chill

jrichar

I typically just buy and hold long term etfs such as VOO. I rarely dable in day trading but I thought I would buy MU and see if I could make a profit before the end of the day. It dipped so now I am holding after market close. I understand I am gambling and now I am nervous to hold overnight.

RobertClarks

My watchlist keeps getting smaller. Five years ago I was looking for the next big thing. Today I'm mostly looking at companies that already won. I spent a lot of time chasing stories. Space stocks. EV stocks. Biotech. Whatever the hot theme was that month. Meanwhile the stocks that actually made me the most money were boring answers like Microsoft, Visa, and Google. The older I get, the more I think investing is less about predicting the future and more about identifying who already controls the present. One thing I've been wondering lately is whether broad indexes are actually too broad. VOO owns some incredible businesses, but it also owns plenty of companies I'd never buy if they were sitting in front of me individually. That led me down a rabbit hole looking at concentrated quality strategies. I stumbled across MPLY while researching it because the whole premise is basically owning dominant businesses instead of owning everything. No idea if that'll outperform. Most active ideas don't. But I find that question way more interesting than trying to figure out whether copper, nuclear, or quantum computing is the trade this week. If I buy anything, it's usually because I think the company will be even harder to compete with 10 years from now than it is today.

deezycalifornia

That does seem quite aggressive but I’m sure it pays off when it does! I think I will shave down my SGOV position for VT or VOO/VXUS.

deezycalifornia

Exactly. I definitely have too much cash, and have known this for a couple years now but this is the year I finally want to do something about it. For reference, I had all cash in an HYSA until I realized it could be in SGOV instead and skip out on the state taxes. That was my “big” move this year lol. Now I am starting to realize I truly don’t need this amount of cash and might shave it down some into VT. I already have a separate trading account on Robinhood but only a few thousand in it so will probably just keep that. I will most likely reset my retirement accounts and put it into VT or a mix of VOO / VXUS. Thanks for the reply.

AlbertiApop2029

Don't get emotionally attached to a stock ticker, there will always be another day, another stock miracle. I've missed out on so many names, but I've caught a few winners, even though they're not the stuff dreams are made out of, it's profit. You could just [VOO](https://www.marketwatch.com/investing/fund/voo) and chill, like the smart kids do. I'm not a smart kid, I like risk. 😄

tarrat_3323

VOO?

Ahamadrayasbaboon

MSTR is not in SP500, and not in SPY or VOO, either. 

COBRA_DROGO

VOO 700 when?

justreadinplease

Putting serious money and thought into either seems wasteful. Just buy VOO if you have a hard time deciding. If I were to buy one, and honestly I wouldn’t right now outside of index investing, I’d buy NKE for a long term investment.

JonSpartan29

My biggest loser was Lion Electric. In at $10, hit $36 after Cramer hyped up the CEO on his show, now delisted. That is my $5,000 lesson. So to OP: at least take out your initial investment and throw it in $VOO. You can pay $5,000 for this tip. DM me for my Venmo.

Dude_HaHa

Maybe a little VOO (Like 15%)

pidaryob

i’m running 70% VOO, 15% IWM, 15% VXUS. Would you cut any of these to squeeze a little SCHD position?

mighty_sys_admin

I'm not deranged when trading options in my Roth IRA, I buy VOO calls instead of SPY calls

mighty_sys_admin

VOO calls

humanExperience69

real estate if you know how to do 1031 exchanges. if you HATE customer service, go VOO.

Rhallowell

It's an index fund run by financial advisors to run alongside high growth portfolios. Essentially it mimics most major ETFs, we'll use VOO in this case, and will essentially invest in the top \~300 companies from VOO but will buy them individually, and instead of the ETF managers swapping out losers and winners, they'll sell the losers so you realize losses while your winners remain as unrealized gains. This is great because if you have a personal account with huge growth, you can now use the Parametric as a tax loss harvester as well as a growth vehicle. It tracks without .03% of the ETF so they've figured out ways to balance it and follow along with this method. Extremely hard to pull off in the same way as an individual. Compliments the DIY folks who really lean investing and high growth opportunity.

InvestingNerd2020

Don't have excessively overlapping funds. Have 1 core fund and 1+ complimentary fund(s). Things not to do: No VOO and VTI. Pick one, not both. They are both core funds. A revised portfolio for you: 70% VTI and 30% QQQ. QQQ is the complimentary fund to add additional growth.

Emotional-Breath-838

VT sucks and is easily beaten. Over 5 years: VT 70% VOO 93% QQQ 127% SPMO 187% Why would you want to hold all the companies including the worst trash?

acr558

Hello all, I am new to this group and generally new to investing as well. I am 32M that just opened my brokerage account and put about $500 in it. This all feels extremely overwhelming, specially seeing a lot a people 5-10 years younger than me having a ton of money in these accounts(props to you guys). My portfolio right now consists of ETFs; VOO, QQQ and VTI. I am aiming towards building a solid foundation. I am here to look for advice, sources of information, and really anything that can help me out. Thanks in advance!

WeeTheDuck

from big ETFs like VOO. Those 2-3 days play were generally just for fun

IBangTokyoWife

Samsung, SK HYNIX? But why would the number of trillion dollar companies affect anything mentioned above? Successful investing is % based, not about absolute numbers lmao Korea 5y return: 171% VOO 5y return: 79%

steady_compounder

If your previous trading already underperformed, I wouldn’t let one lucky TQQQ run convince you to scale that up with serious money. Leveraged ETFs are built for short-term exposure, not really for ‘buy it and forget it for a year’ money. If you want growth, the 40/40 QQQ/VOO idea plus a small sandbox for individual names is a lot more survivable than turning the whole $150k into a bigger version of the gamble that happened to work once.

milkplantation

You can get ETFs like DGRO which is VOO companies that have 5 consecutive years of dividend growth. The ETF has a 5 year dividend growth rate of 7% so you can easily outpace inflation even if it stays flat. I think it's a good shelter until the house of cards comes crashing down. VXUS is also good and seeing growth. There are still good passive options.

owenmills04

20% VOO, 40% stocks/options. Market is giving money away

Alezzarix

Buying LETFs at ATH is a terrible idea. 40 QQQ/40 VOO/20 individual is very reasonable for growth without unnecessary risks.