VOO

RedfootTheTortoise

Did you take the 3% under spot? Not a bad deal.... Congrats on the cash out. Now go buy yourself something ridiculous, enter some reckless positions and waste the rest on retirement or some lame ass VOO.

Next-State-374

I need VOO to drop about 200 points.

jettoblack

TOPC is the S&P500 with each stock capped at a max 3% weight. I don’t know if there’s any equivalent fund that does 5%. RWL is S&P500 weighted by TTM revenue instead of by market cap (so e.g. Walmart is weighted higher, Apple Amazon and Microsoft are still pretty high, but Nvidia and Tesla are lower), making the P/E ratio a lot more reasonable. One downside to ETFs like these is they are relatively smaller funds with less liquidity than something like VOO.

PashasMom

It sounds like you are looking for the XMAG ETF. Personally, I would not touch it, but I have small cap, value, and international holdings already so whatever is in VOO is not a huge concern to me. Besides, the market thinks NVidia et all are worth all that money in VOO, who am I to think I know better than the entire market?

D74248

XMAG is an ETF that holds the S&P 500 without the magnificent 7. So if you split your current VOO evenly between VOO and XMAG the only change would be that your mag 7 exposure would be cut in half. There are also the funds from Research Affiliates, which (to use their buzz phrase) indexes based on "economic footprint" rather than simple market cap.

Revolutionary_Loan13

I hear you there and do have some RSP, really what I'd love is VOO just with a few taken out or a max weight of 5%

Easik

I mean if you think VOO is over invested in Mag7, then you are looking for RSP. If RSP isn't what you want, then you are basically saying that you think you can pick stocks better and to that I say good luck.

Happy-n-Healthy

You guys would be better off getting a puppy and VOO n chill

Less_Register4608

Russell 2000 will outperform VOO

Resident-Tumbleweed9

I let google, silver, gold VOO ride on my parents retirement, while I gambled away -10% last year, while three +40% 😅😅😭

SirGlass

VTI = Total USA market VOO/SPY are both S&P500 index funds. These are not growth , they are broad market and hold both growth and value (QQQI, JEPQ, SPYI) These are covered call ETFs, they are not even dividend focused , they sell upside to produce a premium . They will over the long term almost certainly under perform their underlying index of the Nasdaq 100 and S&P500 Simply buying VTI will give you a mix of growth , value , dividend stocks

CryptoChartz

Should I just sell my VOO and full port the metals?

MatterFickle3184

This ain't no meme. COMEX suppressed prices for so long and not China was like eff you we gonna hoard it and not export it anymore since their inventories we getting drained. Silver is only rebounding back to its true value since tech giants need it. Lemme guess you a VOO and chill guy?

MatterFickle3184

Hey VOO bois told ya! 😂

Heyhayheigh

Start with whatever is comfortable. $50/week. Then work to increase that. Use whatever method or excuse you can. I personally played a game where I tried to beat every expense greater than my investment budget. I beat my insurance. I beat my car payment. I beat my rent and food, eventually (super slow). I now invest as much as my monthly expenses (most people can’t do this). That’s all personal finance is: spend less, invest more auto, don’t panic sell (most don’t even know what panic selling actually is). Set your investment to weekly. Use a place like Fidelity that uses fractionals. VOO is fine. That’s it. That’s all anyone needs to know. There’s a bunch more to know, and you will get there. But if you have that one basic principle you can be fine.

First-Finger4664

If you’re going to hold a stock for at least a year (which you should, if for no other reason than nabbing a lower capital gains tax rate), investing hours of research into that company is the right thing to do. If you hate sitting in cash, allocate your reserve funds to VT, VOO/SPY, a standard 60-40 portfolio, a ray dalio all-weather portfolio, etc so you don’t have this FOMO compelling you to make rash decisions

Sover47

I'm new to this. Invest in what? VOO? SPY?

Guilty_Psychology_28

Just VOO or VT and chill dude. Trust me. No sense wasting all that stress and energy on something that will ultimately probably lose to the market annual return in the long run.

quuxquxbazbarfoo

That's fine to not know it all yet, that's why the suggestion to get it invested into an S&P500 index (largest 500 publicly traded companies in the USA) while you learn more is a reasonable suggestion in my opinion. S&P500 is the benchmark that most other things are compared against to determine if they were "successful", i.e. did they beat the S&P500? When you hear about people saying so and so "beat the market", they're almost always talking about them outperforming the S&P500 specifically. So if you invest into an S&P500 index fund like VOO, FXAIX, SPY (separate S&P500 index funds managed by Vanguard, Fidelity, and Spyder repsectively) you will be matching the "market rate". Whether that is a gain or a loss is another story. Order of importance of what accounts to put money into is generally described on this sub as: 1.) 6 months of expenses in HYSA (i.e. money market fund, highly liquid) as "emergency fund" 2.) 401k contributions to meet full employer match 3.) Max an IRA 4.) Max out the 401k contribution 5.) Taxable brokerage As far as what investments to make, if you're young something like 50% S&P500 index or US total market index (like VT), 50% Global index this sub might recommend. But it depends on your risk tolerance. There are other funds that have a good chance to outperform those, but you might see -50% on a down year where S&P500 might just be down -20%. Personally I like to research companies and pick stocks, but I'm also not a professional, so I like to hedge my picking by allocating around 50% of my entire account portfolio to S&P500, then pick riskier index funds or individual stocks with the rest. I also spend all day every day focusing on it, which not everyone wants to do, so the general recommendation on this sub (this sub slants to low-risk consistent gain over time) is to stick to index funds.

Various_Couple_764

Mutual funds are not traded on the market. you have to buy shares from fund management. Any dividends received by the mutual fund are payed out to fund shareholders. Mutual funds also occationally have capital gains distributions. ETFs are similar except: * shares are purchased on the open market. * ETF have a way to avoid capital gains distributions. But in extreme cases they may have one. Otherwise they are basically the same and some mutual funds also have very low fees as ETFs. The capital gains distributions is the only tax difference. I invested in FXAIX a fidelity mutual fund that invests in the S&P500 II have only seen one captial gains distribution from this fund. besides I just took that and the dividend and reinvested them for more shares of FXAIX. And there are no taxes if FXAIX is in a ROTh, IRA or 401K. The tax difference between these two funds is a minor issue. Not enough in my opinion to avoid mutual funds. If FXAIX is in a taxable account and there are no capital gains distributions there is no difference in taxes when compared to VOO or any other S&P500 ETF index fund.

WSB-mods-are-

put gains into VOO and stop while ahead!

tollboi

Yeah that's my process, I have ETFs for the long haul VOO and chill mentality where about 60% of my investments go, then I put that 40% into riskier options. This one was in the red longer than it was the green, and was the first time I just let it ride.

Heyhayheigh

An emergency fund is generally 3-6 months of fixed expenses plus any large known expenses that will be incurred in the following year or two. Have that in SGOV in taxable. A taxable account should have “something” set to auto weekly in VOO. Don’t care what it is. Start comfortable, then work to increase until it is uncomfortable. Then work to increase even further. If you have a large urgent expense that is in excess of your emergency funds, then you will no doubt have to sell assets (VOO), where else would it come from? Do that forever. If you have income, if you have expenses, have auto investment. Only sell when you have an urgent expense to pay for that is beyond your emergency funds. Do it for a while and it will make sense. I keep almost no emergency funds. But that is not recommended.

stockmarketchasers

Please just put the starting cash in VOO and 'only' play with the 16K in profit my man. This can only end in loss porn if you keep on full porting like this.

finitidova

You are over exposing yourself by choosing VTI and VOO since they share similar holdings. Personally I'd keep VOO but either works, swap QQQ with SMH unless you want less volatility but since you're pretty young I would go with SMH. SCHD isnt bad but if you want more growth given your age again I would go with SCHG or add VXUS as well for international exposure.

sirideletereddit

Your strategy is inefficient because it’s based on constraints. It’s not based on logic but numerical goals. Constraints are inherently inefficient. There’s no reason you should build for a specific number like $500 a month in dividends before allowing yourself to buy into another investment, for example. On the other hand, it’s not a bad idea to invest in VOO for 100 shares but why stop at 100 and move to a different investment just because you hit that arbitrary number? Maybe 100 shares is exactly the amount you need because you intend to sell calls. You could just as well continue investing more into VOO, put the “game” aside, and gather 100 more shares to do even more covered calls. It’s not a bad strategy. It’s just not going to be as efficient as you’d be if you invested with purpose. It can’t be.

MatterFickle3184

Did better last year with 3 PM ETFs than VOO did over the FIVE YEARS. I'm about the gains man. IDGAF about anything else other what I know will make me money. VOO is too fucking slow for my taste.

Own_Elephant850

Yes, there is a risk/reward decision to be made here. I understand that. I am a successful swing trader, and I have read up on index funds. Ergo, I feel comfortable using the stock market and understand that the value of an ETF is derived from the value of the underlying index - hence why I want a whole-market index. \>However, VOO is not purchased BECAUSE of the underlying. It's purchased because of the perceived future value based on past performance. VOO, or any ETF, is purchased for any number of reasons depending upon who it making the purchase. And yes, people panic sell when "the markets" are down - and do you know why "the markets" go down? Because people are selling. It is a self-fulfilling prophecy. The same greed and fear that makes people panic sell is the same greed and fear that makes them buy it all back at higher prices, and therefore, perpetuate the cycle. This is why DCA and "buying the dips" are so commonly espoused as principles to investing. As for me, I anticipate that Vanguard ETFs will continue to appreciate in value because the US and other stock markets will appreciate in value and because Vanguard is well managed. I also understand that there are ETFs that are based on bonkers investment strategies that I wouldn't touch with an Iraqi Dinar. You are taking about the *price* of an ETF share which will fluctuate with market conditions, but the *value* is still there so long as the overall stock market continues to appreciate in value *over the long term,* and the underlying index and management is solid. Vanguard wrote the book on index investing (literally) and they have always come highly recommend to me from everyone I trust on the subject. Cherry picking one year of bad returns doesn't scare me. I'll buy a dip everyday and twice on Sunday. I also don't want to buy bonds because I have more faith in the greed of the stock market than I do in the management of the US federal government. I don't want to buy CDs because banks can and do fail. I truly appreciate you taking the time to compile such detailed responses, but I do not share your fears or cynicism. And that is the beauty of investing - there are so many options and ways of doing things that we can all have our own opinions and be right within our own context.

xeemyy

u/VOO_bull_forever can sing you a song about being a UNH baggie

Icy_Relief_3911

I’m 30 years old (USA) and planning to start investing for long term. I already do around $1000 in 401K (company matches around $600), have 6 months emergency fund in HYSA, 30k in Robinhood in stocks, options and some etfs. I wish BUILD something for my long term (10 plus years outlook) - planning to start with $2000 per month in ETFs. How do this look : VOO - 30% QQQ - 25% SCHD - 20%

composer98

I find the reddithead "all ETF" unanimity puzzling, personally, and while overbalancing on a single stock can be risky, if owning 500 stocks in order of market cap is "risky" while owning VOO is "safe", then the world is upside down. So, while I might still use SPY or QQQ for rapid purchases of a relatively large position, by now I own approximately 800 positions with none of them unnaturally large. As just like you, OP, I love learning about companies, how they evolve and adapt, and how they adjust to macroeconomic conditions; I also find it interesting to watch how trends sway giant masses of people together. Last year was a good year for most everyone, of course, but with a relatively large international group of stocks, return here was over 40% on a mix of personal, retirement, and trust accounts; and always with a fairly large bond and short term position, probably even too large (30-40%).

IdkAbtAllThat

And what do you think is going to happen to the rest of VOO if 3 of the MAG7 go to zero?

DaemonTargaryen2024

>50% FZROX (basically VOO but no fees?) VOO + smaller US companies, but basically yes >20% FZILX (international emerging markets with no fees)  emerging *and* developed markets >20% FTEC (fidelity tech etf) This is fine as long as you can stomach more volatility for a longer period of time >10% FESM (fidelity small cap) No need, since this is already covered in FZROX. Unless you're purposefully tilting towards small cap. Overall: looks good to me. I'd get into the market immediately. If you hadn't rolled over it's not like you would've moved all your 401k to cash.

ProGrieferHere

Thanks for the AI answer. "Like any stock, the market price of VOO shares is also influenced by the supply and demand for the ETF on the stock exchange during the trading day. However, mechanisms are in place to keep the market price closely aligned with the fund's underlying NAV". However, VOO is not purchased BECAUSE of the underlying. It's purchased because of the perceived future value based on past performance. Let's look at 2022 as an example. The S&P drops more than 18%. No one is buying VOO so the value of VOO drops almost 1:1 with it. But it doesn't drop as much as the S&P 500. Why? Because there are some people still buying VOO despite the dip in the S&P, but not enough to sustain the value of VOO. But VOO still performed better than the S&P. If you want to see what happens to VOO when no one buys it, that's as far as you need to look. In the end, VOO is still a stock. So the rules of a stock still apply.

Heyhayheigh

So money is about when you will spend. 30 days or less = checking account (monthly bills) Emergency funds or large known expenses = SGOV in a taxable. Money that is meant to grow 5+ years = VOO or QQQM (if you want a bit more risk and growth). The risk you take when you invest is that you have an urgent event, have to sell, and it might be a bad time in the market. Once you get used to auto weekly investment in a taxable, over years, you stop worrying. You see it is just an accumulation game. If you have an urgent expense, sell to pay it and keep the auto going. It removes the emotions. When you pick stocks, now your character is tied to that choice. If I chose the wrong company, I’m a failure, or I’m sentimental, etc. hard to be so attached to a VOO for example.

ArthurDentsBlueTowel

Nothing wrong with VOO and chill bro.

Heyhayheigh

That’s not how index fund ETF’s work. They track the underlying index. They increase because the 500 (example VOO) companies they hold increase. They have a mechanism to rebalance to the underlying. What you describe is backwards for the ETF. That is certainly true for the individual stocks, they work that way, more buy orders than sell orders, price go up. more sell orders than buy orders, price go down. That can happen intraday for VOO, but when it gets out of whack there is a mechanism to algorithmically make it track back to index without causing cap gains (tax efficient).

taplar

This is an exaggeration. Nvidia, Msft, and Google make up around 19% of the VOO portfolio.

IdkAbtAllThat

This is a pretty simplistic take. If my Google, msft, and nvda go to zero, so the VOO and VTI people are also losing 90% of their portfolios.

ProGrieferHere

Here's the problem with VOO for long-term investments, which is what you are asking about. VOO, to improve in value, has to be purchased by other people. It's basic supply and demand economics.  Not only does someone have to buy VOO, but they also have to buy enough VOO for your investment to either remain even or (you hope) improve. But that's not all. The person who just bought VOO now is in the position that you were in. They also have to get other people to buy VOO for demand to improve so price can improve. Rince and repeat. If you look at the shape this becomes, it's a pyramid. Hence , a pyramid scheme. Now, people don't like to admit it because they probably have VOO and need you to buy it or their investments go to hell. This goes for anyone who peddles ETFs on the Internet. Of course they want you to buy their ETF. They NEED you to buy their ETF. They have money in said ETF and want to retire some day. And that can only happen if they can convince other people to invest in their ETF. The problem is that there are only so many people on the planet with only so much $$$ to spend. So, at some point, your ETF investment is going to drop like a rock. Banks, Bonds, and Premiums. Long-term, low risk and safe investments.

Own_Elephant850

Thank you for your comment. At this point it's modest money. But if that changes in the future, then I would consider taking to a financial advisor. I'll admit that my view is biased against them from bad experiences in the past of just being sold products that rack up commissions and don't benefit me.  I'll do some research on VOO.

AndroidMercury

Now take your profits and park at least half of it in VOO. Or keep making regarded plays and see what happens, it's your money

Heyhayheigh

Doesn’t really matter. A pro is used for goal based investing, motivation, optimizing. What you say is correct, if you’re just auto buying all you can, what is the point of optimizing (I actually with this and teach it)? I just don’t believe people do this without someone holding them accountable (or at least I haven’t seen it). If you make good money, you probably want a pro. You could do it yourself, it just likely won’t be worth your time. If it is modest money, just VOO and chill.

MechCADdie

VOO is another popular one after those you've mentioned, but aside from that, you should explore the tax preferred options before going into regular brokerage funds.   A 529 account for your daughter, IRA, HSA, and maxing your 401k should come first, which should be pretty hard to do for most people every year.  The benefit of them is that they are tax advantaged, so it's like getting a free 15-22% every year.

Heyhayheigh

You should learn to do this with regular money as well. You’re about the age I got my stuff together (you are wayyy more advanced than I was then). Get a Fidelity account. Buy whatever is comfortable of VOO or QQQM (what I use) on auto weekly basis. Work to increase that weekly. You sound like the type that wants to optimize with tax advantaged accounts, and that’s great. But I’m telling you seeing money as a tool for when you will spend will create a great habit in you. If you plan to retire early. If you plan to have incomes in excess of your expenses (pensions), then this is a valuable lesson for you. Best of luck, sounds like you will do great!!

CryptoChartz

Of course nothing happened yesterday but when I full port today it drills. Thankfully I have learned from my retardedness in the past and I’m half VOO, half silver 😮‍💨

Friendly_Fun_4515

Why not VOO?

Heyhayheigh

Missing a year of great growth for just OK, this is gambler talk brother. You won’t know this until 10 years later. You’re focusing on the magic recipe and not the behavior. Pick an allocation that suits your goals. Add to it on auto weekly basis. Sell only when you have something urgent to pay for. That’s all personal finance is: spend less, invest more auto, don’t panic sell. When I look at people’s investing, I want to see how often they sell without having something to pay for. I see how automated they are. And I see how often they increase that automated investing (progress). What they choose is normally whatever. I’ve seen people do fine with auto Walmart and Apple… it’s easier to just VOO and chill though. People tend to find good uses of concentrated wealth (boats houses vacations). Best of luck!!

Machine8851

You can make considerably more money with individual stocks. If you pick the right stocks, you can make more in individual stocks in 1 year than VT or VOO in 10 years

Heyhayheigh

Investing auto. Set a weekly buy for stock or ETF. If you don’t like the idea of setting an auto for a particular stock or don’t plan to hold forever, you’re probably making a mistake. This is the advantage of VOO and chill. You never really feel bad about just acquiring more of an index. If you think you “held too long”, that means you didn’t actually learn the real lesson: don’t buy stuff you have to check all the time in the first place. Buy weekly, sell only when you have something urgent to pay for.

Unknown_Lifeform1104

Are there others stuck on the "VOO and chill" train ?

AMCorBUST2021

Buy VOO

Machine8851

The downside of VOO is that you won't outperform the sp500 index but the positive is that you will never underperform either.

DGB31988

It only takes one time for you to lose all of your silver. I’ve been robbed one time already in 30 years and I live in an area where people don’t typically get robbed. They did not make off with any of my VOO though.

DangerousRoutine1678

Because SLV is an Trust (similar to an EFT) that tracks the performance of Silver. Etf's and Trusts hold a certain percentage of the underlying asset typically %60 to %80 and use the rest of the cash to rebalance so it tracks the day to day performance. All Trust and ETF's do this to some extent. This allows people to buy shares at a cheaper price and still get the performance of the underlying. SPY, QQQ, VOO, GLD are all the same. Gold spot is $4600 but GLD is $422.23/share, S&P 500 Index is 6977 but SPY S&P 500 ETF is $695/share. This allows more access to expensive equities that would be out of reach for many.

Avast_Old_Device

So you pay $36 to buy VOO at Acorns when you can do the same thing at Fidelity for free?

Sea-Fortune3439

The wheel account is only 14% . Just mainly to sell puts and collect premium and interest. Everything I have in Fidelity is automated. Acorns is automated as well the biggest position is VOO at 45%!. I have the basic plan pay $3 per month. I’m not aware if there’s other fees . I opened initially to roll my extra change then started automated investing to diversify. Just don’t want to handicap my compounding . So was wondering if combining acorns with a fidelity brokerage will give me an advantage to compound more effective or not ?

Heyhayheigh

Ditch acorns. Just buy VOO auto weekly in a Fidelity account. Only sell when you have an urgent expense to pay for. Once you automate like this, you will see money is easy. If your plan relies on effort and self discipline (wheel strategy): bad plan. Set to auto. Work to increase the auto. That’s all personal finance is: spend less, invest more auto, don’t panic sell. It’s harder than it sounds. People get fancy ideas. Best of luck!!

D_Pablo67

S&P 500 ETF like VOO has lower fees and better performance than an actively managed target date fund. You do not need bonds on your 401(k) in your 20s.

___Art_Vandelay___

I've gotten down voted for being anti target date funds, and this is exactly my contention -- they are far too heavy in bonds far too early. To be 10% in bonds 40 years out from the target date as an early 20-something is ridiculous. Not to mention their expense ratios are far higher than VOO or VTI.

elinordash

VOO is up 20% this year, VXUS is up 35% this year.

Major_Amphibian1529

Honestly the diversification angle makes sense if you're already heavy in S&P everywhere else - target date funds give you some international exposure and small caps that you're missing out on with just VOO/SPY. That 10% bonds isn't gonna kill your returns at your age and the fund will automatically adjust as you get older anyway

Heyhayheigh

VOO and chill. Get back to work and auto invest your income, you can obviously live cheaply now, take advantage of that. If your parents don’t work. And you don’t have 2 years work history earnings, they are not really useful as co-signers brother.

elinordash

>I'm 70% U.S. equities, 15% Int'l That is a shocking split to me. The US only makes up around 65% of the global stock market. You can say the S&P is the best, but while VOO is up 20% this year, VXUS is up 35% this year.

Heyhayheigh

It’s about either size and scope and an honest inward look at progress. If you make good money and don’t have fat bags, you should probably find a trustworthy pro. It quickly gets to a point where it is not worth your time to do yourself. If you have a goal where failure is not an option, probably want some pro help. Everyone “can” do it on their own. Especially if they keep it super simple, VOO and chill. But I just don’t believe someone who DCA’s into half a million or a million will not panic sell once the money gets super big in their mind. Also, if you’ve made good money for a while, and haven’t increased the investment amount relative to your bills, you probably want a good pro. There’s a lot of trash pro’s, so don’t be surprised if you move from time to time.

NYGiants181

No. This is theatre. Nothing ever happens. And if it does, it's short lived, as you are seeing today. Political noise has nothing to do with long term investments. But if you're playing options, then yea it could cause some issues day to day. QQQM and VOO and chill.

financiallythriving

Imagine if all the money you lost on options + fees was used to buy shares of VOO

MatterFickle3184

Winning? You haven't even said what you're invested in. I'm guessing prob a VOO and chill guy 😆

Bah_weep_grana

This is the best tip in this whole thread, especially if you have a busy job and don’t have hours per day to research and monitor a million positions. Finding those people are not easy though and nothing is free - almost everyone you encounter is trying to sell something or get more subscribers/views. I pay a fairly hefty fee to have access to other investors who are high net worth, and focused on a fairly niche area of the market. I follow the discussions consistently over time and see whose research makes the most sense to me, and has consistently made money for them. Always some bumps in the road, but i’m years ahead of where i would have been just putting everything in VOO

Ashkandhi

Thoughts on this strategy: I’m in the same boat, long term, not looking for crazy immediate returns. My idea is $5K in VOO, $3K in QQQ, and $2K in a Money Market Fund (SWVXX with Schwab)

Lonely-Sky-2969

Regard makes $1000 in a bull market with $8000 when he could have just bought shares of VOO.

Aggravating_Fig6288

Welp these puts were my final gamble, if it doesn’t dump before EOD I’m officially wiped completely out of my gambling account and will become a weekly VOO buyer and holder. Hopefully I can retire 30 years after yall degens who keep hiring so. Enjoy.

pork_fried_christ

There are several different comments in this thread that are all some variation of “markets are flying” with a replay saying “VOO at breakeven though”. At least 3. And the s&p is red. So seems like maybe the bots are the ones that are constantly spinning bad things.

Domefieldadvantage

Might sell my silver gains buy VOO and retire to bogelheads

Poundcake2RedVelvet

market is flying but VOO at break even 😹

Poundcake2RedVelvet

market is flying but VOO at break even 😹

Poundcake2RedVelvet

as of me buying in last February, I think VXUS is beating VOO by over 10%? just go click the 1 yr chart and see for urself lol

D74248

> I mean where else are they gonna go. In 2025 EFA (international) -- up 31.4%. In 2025 VOO --17.8%

UndercoverOptions

Solid lineup overall. Basically a concentrated “Mag 7 + semis” portfolio. For 27 and growth-focused, this is totally reasonable if you can stomach big drawdowns. Biggest risk isn’t stock picking, it’s concentration: GOOGL/META/NVDA/AMZN/MSFT/AVGO is the whole portfolio, so you’re essentially making one big bet on AI/tech continuing to lead (and valuation staying elevated). If you want to keep the same vibe but reduce blow-up risk, my opinion would be to add add a broad index core (VOO/QQQM) and treat ASTS/RKLB/RDDT/etc as a smaller “moonshot bucket” (like 5–10% total). Also keep some dry powder/cash so you can add during major dips instead of panic selling. Overall: strong choices, just very top-heavy. Make sure that’s intentional. Good luck! Not financial advice. Information only.

yourdailyinsanity

Yeah, it's definitely not something I'm going to check regularly. Just toss money in and monitor what's in there. That's about it. So I'll just toss it all in what you said, the s&p500. I can at least do a little research on what's in there, such as what you said, VOO. Thank you!

MrPetrikov

Majority as in a large portion of your contribution should be in funds that track the S&P 500, which is just a congregation of the 500 largest companies that are publicly traded. Day trading is just making small trades every day to make a couple bucks. I would not worry about in your position and just focus on putting all of your money in the s&p500. Something like VOO.

Jcoronado92

I thought I was good.. but found out I was just fucking lucky. I just want my initial investment back and VOO and chill. :(

azure275

When VT is outperforming VOO you know it's been a year The entire reason I get VT is diversification at the cost of (normally) upside

Spear_n_Magic_Helmet

day 200 of VXUS outperforming VOO

Proper_Jeweler_9238

VT will be more popular than VOO in next 3 years at least IMHO

Ok-Commission-9680

Simple rule I try to stick to: if you don’t know what to buy, default to a broad index (VOO/VTI) and focus more on position sizing + time in the market than ‘the perfect entry’.

No_Cry_6912

Yep, I agree with this. VOO is 50% tech because tech is leading, it captures upside if tech wins without betting in one regime.

lilpeepeetrader

If I'm a newb with 650k, is parking it in VOO a decent option? I know nothing and don't want to think to much? Do you think I come out ahead in 10 years?

Inevitable_Pin7755

Just do VOO to be safe tbh.

Resident-Second8017

My Fiduciary suggested VOO and VEA at 70/30%; little overlap

gnygren3773

VOO or a better scenario 1 or 2.

stringtheory28

75% VOO 20% GOOG 5% speculative

NomSaneMan

Listen I know most people here will disagree with me, but VOO is unarguably 50% tech right now. If you are 100% VOO you are 50% tech anyway. I would rather go 1. Why underperform the current front runners?

shockwagon

keep large base in VOO, and the rest in AMZN - its the only one that's consolidated for the past 12mo and under performed while the rest of the group has gotten outsized returns since they were well positioned to reap the short term benefits of the AI hype.

Presbyterian20

2 seems pretty good to me. I personally like having a large concentration in index funds. I have around 50% of my portfolio in VOO and VXUS, the rest in individual picks. But of course, you know your own risk tolerance and personal situation better.

Opening-Temporary-29

Thanks for replying! I see, that makes sense, I'll probably split that 10% equally into VOO and VXUS

Thunder_under

VOO or VTI or SPY 196.5k and buy options with the other $500.

GamingRaccoon7

I was looking at VOO primarily. I’m very new to learning about investing and everything, I honestly didn’t know there were so many different ways to invest in one thing like the S&P 500. Before I started researching I really only knew about DOWJ, S&P, and individual stocks. When I search for SWPPX on my account there are no results.

blalah

For people who actually care about living up to the WSB calling, this is bullish af. If you came here to trade based on some kind of gay-ass moral compass, there's a special, gentle casino for you called "VOO and chill".

taplar

With regards to holding both VOO and VTI, why not just one or the other? Historically both have performed very similar to one another.