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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
This is actually a really thoughtful post and you’re asking the right questions. But the conclusion in the edit is where it gets interesting. You spent three paragraphs correctly identifying that the S&P 500 is priced on euphoric future assumptions, that geopolitical risk makes that euphoria fragile, and that the Iran situation is genuinely unpredictable. Then you decided to buy VOO on Monday anyway. That is the most common mistake in investing: doing the correct analysis and then ignoring it because everyone else is still buying. Here is what the analysis actually tells you. The S&P 500 is not cheap. Seven-year return forecasts for US large-cap equities from some of the most respected institutional investors in the world have been close to zero in real terms for a while now. That doesn’t mean it crashes on Monday. It means the price you pay today is the single biggest determinant of the return you earn over the next decade. Buying an expensive asset because the war might end in a month is not an investment thesis. It is hope dressed up as strategy. The question you should be asking is not “do I buy now or wait.” It is “what return am I actually being offered at this price, and does it compensate me for the risks. And You just identified the risks. If your answer is yes, buy with conviction. If it isn’t, waiting is not cowardice. It is discipline. there is a principle worth remembering here: the market swings between euphoria and despair, and the biggest mistake is not missing the upside. It is paying the wrong price at the wrong point in the cycle. You identified the euphoria yourself. trust your own analysis.
I just bought 1 share of VOO, r u talking to me
So for every $1000 of VOO you buy you short $1 of CVNA? Sounds like a good use of time.
A 2007 would work out well for me I think because I still have about 20 years to go before retirement so I would go heavy on VOO in that case
This is the best answer so far thank you. I think I may just stay with VOO for now with new contributions until the markets flip-flop with US beating international
If you're 100% in S&P 500 you really want to move one account to FZILX, there's two ways to do it: 1. Put new money in FZILX. Wait for the scenario you're describing where S&P and FZILX are out of balance, and move the rest then, 2. Keep putting money in VOO and wait for that scenario. Maybe it happens, maybe it doesn't. I don't think there's anything evil about what you're thinking about. There just isn't any way to know a) whether the scenario will ever happen, or b) how it works out in the end.
The hardest part of VOO and chill is definitely the chill… Leave it alone. Keep spamming sp500. Or find a trustworthy pro to guide you through real diversification. It’s not necessary though if you can truly stick to VOO and chill. Best of luck.
> Also, why not cut out the middle man and just put your paycheck into VOO? Less exciting
I bought 1 share of VOO, pls don't crash, thank U
SPY or VOO and VTi. Everytime you deposit, put more into whichever one is below your DCA. If both are up dealers choice
Full ported into VOO (70%) / NVDA (30%) right at that bottom.
I didn’t really have an answer about the other ETFs as I’m not knowledgeable enough on them. I had just noticed VTI/VOO were mention and people are talking about VTI/VOO and investing in them. I didn’t mean to detract from your discussion. Just needed clarification. I will say looking at the volume at which these are traded is an interesting data point in terms of people allocating investments.
That’s how this sub is. They rely solely on index DCA. They talk about diversifying, but nobody will talk about holdings meant for short term plays. They also hate leverage, but you could have bought QQQ today at $600 and sell now for $603 or if it went down hold. I sold 3 puts for $600 for $4. I hope it gets assigned. If not the $1200 goes into VOO
Ha, fair catch and I deserved that. VTI yes, VOO was a mistake on my part. But I notice you sidestepped the actual question. The post was never really about VTI or VOO. It was about factor tilted products like AVUV, DFIV, SPHQ and SPMO, which are built on the same academic lineage but go further by explicitly targeting size, value, profitability and momentum premiums. Those are genuinely under discussed compared to their plain market cap counterparts. So yes, got me on the VOO slip, but you did not get the point of the post.
If you are buy and hold, VOO is strictly better, period. Anyone who tells you anything different is wrong.
I finally hit green on MSFT this morning but my VOO decided to drop at the same time😞 slow month we are having
But that's not Bogleheads. They are "SPY/VOO/QQQ and chill."
Threw a measly 400k into VOO a few mins ago at bottom, hopefully it rebounds 🤞
Look for low turnover, low fee funds preferably index passively managed etfs. Schwab takes taxes out for my dividend payouts. *Qualified dividends are taxed at lower long-term capital gains rates (0%, 15%, or 20%), while ordinary (non-qualified) dividends are taxed as ordinary income at higher rates (up to 37%). Qualified dividends must meet specific holding period requirements (holding the stock for >60 days during the 121-day period surrounding the ex-dividend date) and be paid by U.S. or qualifying foreign corporations *Not a recommendation but Berkshire does pay dividends. *The Roundhill S&P 500 No Dividend Target ETF (XDIV), launched in July 2025, is designed to track the total return of the S&P 500 without paying dividends, allowing investors to avoid taxable income. It works by actively selling holdings just before ex-dividend dates and rotating into other S&P 500 I hold several etfs and mutual funds. Some low dividend ones are SCHG .41%, VOO 1.12%, SCHB 1.24% SWTSX 1.09% There's no way to avoid just look for low payouts.
I can no longer trust in plays that feel like assured victory. VOO and chill here I come.😭
Well at least I'll get my opportunity to buy more VOO at April 25 prices again. 🤷🏻
Daily buy time for VOO under 622
You could just short shares CVNA equivalent to the proportion of it in the VOO that you own.
Open a Fidelity account. Put in SGOV. That is your emergency fund. Then buy VOO on an auto weekly basis. Whatever you can afford with your income. Work to increase that auto weekly purchase. Sell ONLY to pay for urgent bills. That’s the hard part. That’s it. That’s all you need to know about personal finance. Even if you are forced to sell everything to pay for something urgent, as long as you start over and keep this basic mindset you will be fine.
How else you think I got it? Definitely not by buying VOO and sitting 20 years. Yolo plays on GME, LUNR, OPEN, etc
2,000? Just buy VOO and work on your career
You sound just like me. I genuinely want to just own VOO minus like 10 or so shitcos I’m not willing to time shorts on.
Why do you need any of this crap at all? If you just want SP500 then buy VOO* and buy as much as possible as quickly as possible. Focus your energy on making more money at work to buy with as soon as possible and not timing the market. Timing the market is not possible. It just doesn't work. (*Or VTI + VXUS if you want to go broader)
Dude just put some of your winnings in VOO.
I came here for this. I cry every two weeks when I DCA into VOO knowing I own a piece of CVNA.
Probably max 401K and HSA first if reasonable. But personally I'd keep 2-3 months of salary in the hysa, and have the rest of my Emergency salary/house/car Funds to brokerage, maybe split into something like salary in Money Market, house in SGOV, and car in BNDS. As long as you have a few months salary that is easy to access, your credit cards, HELOC, et al can cover you for the ten days it might take to get to the rest of your emergency money out of brokerage. I wouldn't call it optimal, but it's a good intro to how taxes and everything are different in brokerage, and now you have a platform ready for after you've maxed all your tax-advantaged accounts. Taxable brokerage is where I tend to have "smaller" or more focused indexed ETFs, if that makes sense. If everything was available to all my accounts, I might have the most fund index like VT (with maybe some bonds) in 401k for simplicity, then in ROTH IRA would be VOO (with less/no bonds) since I want the most tax-free growth possible there, but then in brokerage, instead of VT I'll use smaller ETFs like VTI + VXUS (which together they are very similar to VT). That way i can benefit from the foreign tax credit in the brokerage, and I have more flexibility for re balancing as needed over all of my accounts. And bonds will go heavier into which ever account has a compelling tax reason. E.g. if I have a high state tax, some bonds might make more sense in brokerage, but otherwise I'll probably have more bonds in the 401K. Be careful of having the same funds (or funds that are practically identical) in brokerage that you have in other accounts. If you ever get to the point of tax-loss harvesting in your brokerage, you can't use that if you have the same or similar-enough funds in your tax-advantaged accounts. I'd lump sum from HYSA Have a plan for retirement, and then ignore dips until you are close to retirement (or have a plan that includes buying more during dips to benefit from the discount, but I'm not smart enough to time the market like that). Your plan should include the possibility of a crash during retirement. If you aren't actively spending money from your accounts as income-replacement, such as you would during retirement, then downturns mean little (unless we finally have The Downturn That Never Upturns Again, in which case, have extra ammo and water, since your accounts probably won't matter) You plan should cover all your accounts. If you want 10% bonds now and 50% bonds closer to retirement, that would apply to all your investments. Your accounts don't have to have the same distributions ides each one. Remember that only ROTH dollars are showing you your real invested dollars. E.g. a good portion of that money in your 401K belongs to the government, so subtract 22% if you want to know how much money you have in there (or subtract whatever your tax bracket will be in retirement, which we unfortunately can't know). For brokerage, it's more complicated.
For the past three months, I have followed every move every day and sat on the sidelines with my pile of VOO. Every time I think I have some idea what is happening (rotation, pullback, SaaSpocalypse, gold rush, etc.) it turns out to be a false or aborted signal. I'm just riding VOO up and down like a buoy. The tide comes and goes back out just as fast. Something is either breaking down or breaking out, but I have no idea which. I have a feeling of dread that private credit is going to lead to a contagion and correction, but it's almost equally offset by "AI gains about to be realized" optimism.
Lmaooo. This post is hilarious. Bro, you’re overthinking things. They’re exactly the same except for the expense ratio. You made the mistake of starting with SPY so going forward just switch to VOO. I wouldn’t sell SPY for tax reasons.
First decide what your goals are for your investment and what feels comfortable to you. Maybe that’s VOO, SCHD, a combo or something else. DCA in. As another commenter said, it might be worth it for you to have a conversation with an advisor. At 65, you don’t need to be aggressive if you’re not comfortable with that. If you’re just looking for higher yields maybe TIPS or CD ladder is better for you. Spend sometime putting together your plan. It is going to be OK. You missed some gains, you didn’t gamble your money away. It not going to hurt you substantially.
I thought i was smart for going full indexes and not trading anymore but i ended up full porting into VOO at ATH and now i am stuck holding these bags
The thing they need to learn is, for example: • The S&P 500 is an index comprised of \* ONLY 500 \* ONLY US \* ONLY Large-Cap companies. • **"Everybody and his dog"** provides a **fund** that tracks that **index**. There are multiple Vanguard funds that track the S&P 500. There are multiple Fidelity funds that track the S&P 500. There are multiple Schwab funds that track the S&P 500. There are multiple AmFunds funds that track the S&P 500. There are multiple T Rowe Price funds that track the S&P 500. Etc. If you want to track the S&P 500, "VOO" is NOT your only option. An additional thing which follows from that: You are NOT diversifying your portfolio by investing in multiple S&P 500 trackers, for example -- say, VFIAX and FXAIX and SWPPX and VOO. If you don't understand the difference between an index and an index fund, or only know about Quotron symbols ... you could end up doing something not just stupid, but REALLY stupid.
If you are a first time investor - just go with a broad based index fun (like VOO).
It's true though.....VT or VOO and chill is far more popular now than it was 25 years ago, and that's a sound investment strategy.
Personally, I buy the fear. Already added an additional $2k this week to VOO and NASDAQ index. I got 30 years of holding left so it's no sweat. Everyone needs to react individually to major world changes depending on your risk tolerance and how long you still have to hold your assets.
So VTI and VOO are an example of this?
Not checking again in years? No stock. A portfolio requires at least minor management. If you don't want hassle put it into an index like VOO.
Good that you're starting, seriously most people just don't. Honest feedback though, you've got 15 positions across $900. That's a lot of complexity for not much capital yet. Each position is basically a rounding error and the transaction costs plus mental overhead of tracking all this isn't really worth it at this stage. The speculative stuff specifically (JOBY, ACHR, NTLA, EDIT) these are genuine moonshots. Not saying they can't work but at $12-25 each they're not moving your portfolio if they 10x, and they can go to zero. EDIT is already down massively from its highs and the gene editing space has been brutal for smaller players. Three gene editing stocks (CRISPR, NTLA, EDIT) is also a lot of overlap in a sector that's still years from widespread clinical revenue. What I'd actually do in your position: simplify hard. VOO as the core, maybe one or two high conviction individual names you genuinely understand and believe in, and just keep adding the $400/month consistently. At this portfolio size compounding on VOO alone will outperform the complexity of managing 15 positions. The instincts are there, semiconductors, defense, biotech are real themes. But the execution is spread too thin to matter yet. What's the thesis on JOBY and ACHR specifically? Genuine question, just curious what drew you to both.
It's a SOUP kitchen cos most of those poor bastards have minimal teeth. I think many people have to get fucked in the markets to truly appreciate the beauty of VOO and its in-built sector rotation. Most who do well with speculative trading endeavours start with serious money maybe from family, maybe from winding up a real business. Almost no one runs say 10k up to a million in say a couple years - at some point that unthinkable thing fucks you when you're unhealthily leveraged like a wild man.
I personally would drop NVDA AMD and AMZN and just put that money into VOO. Or pick between AMD and AMZN if you want. NVDA already makes up the largest portion of VOO and you’re spreading yourself too thin by adding into all of them. Also maybe cut down to one or two spec stocks and focus in on what you truly believe in. Just my opinion tho.
Bro forgot the financial consultant. Buy VOO and forget about it. It’s really that simple.
Statistically lump sum wins about 2/3 of the time, but we're also sitting near all-time highs with a war kicking off, so this isn't exactly a normal environment. Volatility could get ugly in the short term. With $85k I'd start DCA'ing over 3-6 months. You still get in the market, but if things drop 15-20% you're buying cheaper on the way down - and at that point you could reassess and lump sum the rest at a discount. Here's a calculator that shows how DCA vs lump sum would've played out for VOO over the last few years: https://trackmyshares.com/tools/dca-vs-lump-sum?symbol=VOO&market=US&start=2022-01-03&amount=85000&freq=monthly The peace of mind is worth more than the small statistical edge of lump sum, especially right now.
probably nothing, maybe an index is ok ... VOO
The stock market is in a major bubble. Look at the PE for $COST. The people buying these stocks at these prices are bat-shit crazy. However, note that most of the shareholders of these stocks are institutions. Why? Because institutions manage ETFs, such as SPY, VOO, QQQ which all contain WMT. People put alot of their retirement money into index ETFs. They do that blindly, with no thought as to what that is doing to the PE of the constituents. That money has to go somewhere. So it goes into all of them, driving up the price. The more indexes a stock is in, the worse it gets.
Why not just buy ETFs instead of mutual funds? Since you're a US citizen, buy US domiciled ones. You could open an Interactive Brokers account using your Social Security Number and invest in ETFs like VOO, VTI, VXUS, etc... It’s cleaner, tax-compliant, and will save you hundreds of hours in spreadsheets. You might also be able to open a ROTH IRA using IBKR depending on where you reside.
To people who hold only VOO/QQQ/SPY shares: Do you feel like a crazy degenerate gambler? Just calling yourself wild and out of control? Bet you also grab a soda after your bedtime because you're such a bad boy
I would encourage you to mess around on sites like etf.com, etfdb.com, and the overlap tool from etfrc.com to get more familiar with the holdings of different ETFs like these and what their competitors/sibling ETFs are. r/ETF and this subreddit are my favorite market-related ones. AVLC is pretty similar to VOO (76% overlap) but has more holdings, so it is a bit less concentrated. AVUV is a great ETF specifically because it leaves out crappy small cap companies, of which there are a lot. Combining AVLC and AVUV does not result in holding the entire US market, but I’d argue it gives you most of what’s worth holding. VTI and its competitors are the “entire US market” ETFs. Similarly, AVDE plus AVDV would give you the biggest companies and best value small caps in developed markets. AVDE is the only international ETF I own because I don’t trust emerging markets and it has relatively less of the Shells and Nestles than similar ETFs. I’m not personally a fan of AVDV because its recent run has been largely led by mining companies.
Why buy VOO when you can buy MEME and be up a chill 6% YTD
Yes very true, but I definitely learned someone while doing this on a smaller account. The LEAPs part I actually had to create a calculator that would tell me my approximate leverage based on delta, VIX, and strike price. That was a lot more complicated and I’m happy to switch to futures. I did learn about the overnight margin requirements in a Roth IRA for futures products and I think it’s not too bad. There is comparison between using margin vs futures and depending in the current interest rate for margin it might actually be the best (please see the google drive link for more details). You could end up with millions of dollars more with just buy and hold VOO using margin because you also collect dividends.
If everyone understood perfectly WHEN they were going to spend, financial plans would be easy. But emergencies happen. Urgent things come up. There are setbacks. Risk is even deeper. Not having a consistent plan of how to invest automatically is also a risk. A hard one to calculate. You will never know how much more you would have if you just started with a 100/week of VOO and worked to increase that auto investment, and then never panic sold: only sold to pay for urgent bills.
This has been mentioned a couple of times. I'm not sure I follow your train of thought here. >For example, its better to own S&P500 members directly than in an ETF. That way when some stocks go up and some go down, you capture the average gain, Isn't owning an ETF that is made up of S&P500 stocks the same as owning them directly? When one stock in the ETF goes up or down, the others also average the gain? That's the point of a fund vs individual. Now you could make the argument that owning individual stocks can allow you to change the weight of those stocks as a group. IE VOO holds 10% of X stock, an you want own 20%. That would mean you can still own VOO, just buy additional shares of X. The other thing that doesn't really make sense is the tax harvesting of individual stocks to offset gains with losses. While this is okay if it happens organically, the goal is to not have investments with losses. If you hold all individual stocks and 50% went up and 50% went down equally, and you sell them all, you've ended up with 0 gains. Not really the goal.
I’m i’m 70 and I trade Stocks and Options for living. I and I have made many mistakes like that as well. My advice is don’t sweat it you may benefit from your mistake. It’s not the end of the world. Live and learn. Most my gains have come from dollar cost, averaging into S&P 500 funds like VOO, JEPI and some international funds like FEZ , EEM. Every month I buy a few shares of each fund.
First off congrats, that’s an awesome position to be in at 25. Keeping a solid emergency fund like you mentioned makes a lot of sense, and a lot of people in your situation start building wealth by putting a big portion into broad ETFs like VOO or VTI so they’re invested in the overall market rather than trying to pick individual winners. Market dips will happen, but historically long term investing in diversified funds has been one of the more consistent approaches. Another thing some people do once they have their core stock investments is add a small amount of diversification outside the stock market. For example I’ve been looking into platforms like Fundrise, which allow investors to get exposure to private real estate projects and alternative assets without having to buy property directly. It’s not something most people put everything into, but it can be a way to diversify alongside ETFs and savings. Since you’re already generating income from your game, the biggest advantage you have is continuing to invest consistently and thinking long term. Books like *The Simple Path to Wealth* by JL Collins or *The Psychology of Money* by Morgan Housel are great starting points if you want to get more comfortable with investing and money management.
If you have anxiety about market fluctuations, you should research "dollar cost averaging." It gives you time to learn how the market moves up and down, and you will be better adjusted if there is a market drop after you start investing. Stick with SPY or VOO though, and only pick individual stocks with 10% of your account.
I dumped my savings into MSFT and VOO a month ago, both are basically stagnant right now. I expect VOO to decline at some point before growing but not worried about it. MSFT is 25% of my holdings right now and if I don’t owe thousands to taxes I’ll be buying more
is the bid/ask spread always such fuckin dogshit on VOO options?
If this was my first 10k, I would buy - $4500 VOO - $3000 QQQ - $1500 GLDM - cycle this into the above once the presidency becomes boring again - $1000 FBTC - most probably will disagree but I think there’s tremendous upside to both the tech and the price Glhf
Every day VOO under 622 is my entry point
yes they eat into your returns and 1. yes people way overtink them 2. sometimes it's worth it 3. if you're looking at 2 funds that track the exact same index, pick the one with the lower expense ratio. that's why people use VOO instead of SPY. i always bought spy because i didn't even know voo existed, but at this point i don't really give a shit. the calculation is simple - expense ratio * the value of the stock you hold. somewhat simplified, if VOO expense ratio is 0.03% and SPY is 0.1%, and you have $100,000 worth, then VOO's fee is $30/yr and SPY's is $100.
10 - 15 years, you don't want to just flip the switch from VOO to SCHD all at once. Start allocating some of your new money to SCHD and increase that allocation over time.
The answer depends on what this money is actually for. If it's long-term wealth building, the boring answer is the right one: broad ETFs like VT or VOO. Not exciting, but it works. Because roughly 40% of individual stocks experience permanent drawdowns of 70%+ with no recovery. Inside an ETF, that doesn't matter. One outlier winner can offset the rest. That's why ETFs are so powerful for a regular investor. If you want to treat part of it as an experiment: crypto, industries you've never been exposed to, bonds. But it might be riskier depending on what you choose. And nothing wrong with that, as long as you know the difference. The "top 5-7 commented stocks" idea is the one I'd push back on hardest. By letting people decide where to invest, you're mostly gambling and not investing, because random people on Reddit probably won't pick the best ones, let's be honest. But if you go with this one, it isn't necessarily bad. Just be aware of the risks.
With near certainty your dad will forfeit $50K+ in management fees in the first year alone by using a financial advisor. What can you expect in return for that fee? Nothing. No financial advisor (dozens) I've interviewed in the last 40 years will guarantee a return in excess of their fees or even guarantee a level of service by number of hours worked over the course of a year. They will also not assume any risk in the event their advice proves incorrect or damaging to your portfolio. Do not assume that paid advisors have something of unique value from which you will benefit with certainty. If they did, they likely wouldn't be expecting clients to compensate them under such outrageous terms. In truth, you and your dad are your best financial advisors. Your suggestion to start by investing in VOO would be fine. Keep things simple and do not feel the need to do anything complicated simply because the amount of money is large. Only make things more complicated if you and your dad have the time and interest to do so. If your dad has some specific questions however that he believes requires a professional consultant/advisor, then make an arrangement to pay for that service on an hourly basis. There are advisors that will do this.
I agree with your reasoning, but I’m only 10-20% SCHD in my IRA, which I manage as if it is the first part of retirement that I would liquidate if I had to. The returns will probably lag VTI/VOO and I don’t have SCHD in my longer term accounts.
If it were me I’d probably split it between a core ETF and a few higher conviction names. Something like VOO/QQQ for the base, then maybe a couple stocks you actually want to follow long term. Also helps to track ideas somewhere. I usually throw stocks into watchlists on moomoo first and look at the financials / analyst estimates before deciding to buy. Keeps me from dumping everything in at once.
I opened VOO thinking it was SPY and thought we plunged $50. Regard mode is in full effect.
Buy more VOO and as I do every month regardless. I’m playing 10 years game, not short term. In the long run, everything will return to normal
VOO is S&P 500. VT is global market, VXUS is ex-US market. VOO alone isn’t necessarily bad. But adding international will give you exposure to more market and the benefits of diversification. Generally US and international takes turns. Lots of people had started investing at a time when US market is on a bull run. So there is some bias towards US market.
Why one of those vs VOO? And is there some simple differentiator to choose between the three? I know I could Google, but ¯\_(ツ)_/¯ feel free to just tell me to google lmao
I’ve been doing 50/50 VOO and VXUS Things are nuts either way so expect it to go down in the near future
>if they DO matter -how do you even calculate that? Look at the fund's prospectus. It's required to tell you. A fund screener will typically also allow you yo search by expense ratio. >is there a simple way to see how much drag fees are putting on your portfolio over time? You can actually try an experiment. Look up several S&P500 funds and their expense ratio. You can actually see quite the range. For example, SPY has an expense ratio of 0.09%, but SPYM has an expense ratio of 0.02%. VOO is in between the two. Once you have a list, make a comparison chart, and see if you can see any deviation. At that expense range, you won't see any difference. The real issue comes with more active funds that might have a 1-2% expense ratio. That would have a significant impact unless they can create returns that are 1-2% than an index fund (which is unlikely)
why do VT and VXUS seem so much more volatile than spy right now? VXUS doen 4% and VT down 2% , while VOO only down less than 1%?
Ehh if you really want, you can just take out what you need for taxes and repairs, and put the rest back into VOO or SCHD tomorrow afternoon. It's a good time as any to diversify.
Your dad’s gut (S&P 500 index fund) is the solid choice. I retired at age 49 holding 100% VOO and still do today… actually I do have some QQQM buys it’s mostly VOO.
Well you definitely don't want to be paying .75 to 1 percent in management fees from most Financial Advisors or so called Wealth management people .Between SPY,VOO and QQQ most advisors could never outperform those ETFs .
Futes barely fucking red LMAO KOSPI's drop = SPY's GAP UP (Kim Jong Un is selling KOSPI and buying VOO)
Why are you wet over a 3k match? That’s like 5 shares of VOO… maybe 6 by morning
The South Korean degenerates needed this circuit breaker. They're leveraged to the tits in speculative shit, acting like TSLL is their version of VOO. I live here and I’ve tried so hard to get people to sell, but they wouldn't listen. It'll be fun to talk to them today.
Bought more VOO today, like I normally do at the beginning of each month. For me, it’s ignore the noise and keep buying because today’s news won’t matter in 10+ years. Truly couldn’t care less about the headlines.
The expression is "VOO and chill" and I'm not seeing a whole lot of chillin in this post
I wouldn’t treat this as a winner-take-all call. VTI/VOO is broad core growth, SCHD is a style tilt. Core + a smaller SCHD sleeve is usually easier to stick with.
Keep your SPY shares to avoid taxes. Direct all future buys to VOO for lower fees and better efficiency.
Passive investment dominates markets nowadays, with most ETFs being market cap weighted. TSLA is in many such popular ETFs (e.g. VTI, VOO, QQQ), so money just flows into the stock regardless of what it does...
>That being said, I'd never do a single fund. I would, not only ones that I consider properly diversified. VTI/VOO fail that test for me. Things like a total world (if aiming for 100% stock), target date, or target allocation are fine as only funds.
I get why most VOO and chill, or just do FDs especially if you have a day time job.
>Why would anyone want to hold a small/ mid cap long term over just the SP500? They've tended to have better long term returns than large caps. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ >Have you not seen the historical returns of VOO vs VTI?? VOO has it beat by roughly 10% in 5 year and if you want to zoom out to 20 years, Are you using VOO itself? That's a fairly young fund that isn't even 17 years old. As we see things today (this is using older share classes of the same funds): yes S&P 500 is ahead after nearly 34 years here https://testfol.io/?s=8jhrzIzDdfY but rewind to 2021 and we see total market on top instead here after over 29 years. >The small & mid caps will have their moments but long term will drag down The links I posted on the first section of this reply suggest otherwise.
Depends your invest philosophy mainly, I only look for long term holds or 6 month-12 month positions for quick profits, to then roll into the long term positions and look for new ST holdings. With that strategy in mind and my young age I don’t want to lose out on potential gains by being conservative with VT. I would rather be more aggressive into VOO and QQQM for the long haul. But to each their own risk tolerance wise. VT wont lose money I just doubt it will ever match the pace of returns from VOO in a 10/20 year horizon.