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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
Open a fidelity account and set up auto investing to VOO. It’s that simple. That’s the S&P 500. If you want some international exposure, add VXUS. I don’t do international cus it’s sucked for a long time now. Once you get your feet wet and start to understand how things work, you could start adding some ‘satellite’ positions like SCHG (large cap growth) or QQQM (Nasdaq 100). These will give you more exposure to the big tech companies that have been crushing it for like 2 decades. Personally, I do VOO and QQQM. Some may disagree with adding something like QQQM, but I like it and it’s outperformed the market for a long time now. But for you, I’d suggest starting simple and just invest in VOO.
VOO wins for long term growth. Target date funds get too conservative too early → you miss out on gains when you still have 10+ years left. If you can handle the volatility, stick with VOO and maybe add some bonds yourself later when you're actually close to retiring.
QQQ my friend if you're new to this game. Don't listen to folks about VOO and SPY - tech will outperform broad market by least 2x if your investment horizon is at least 10 years.
Before you turn 18, or 19 or 21 depending on the state, your uncle would have final say over anything that happens in the account. If you earn money and put it into your custodial IRA and tell your uncle to buy VOO, but he thinks that your money is safer in bonds, it will be his decision, not yours. I am sure your uncle has your best interests at heart, and I trust your read on his character. A bad family member might decide to liquidate the account for their own benefit, and although this would be illegal and unethical, it would be a huge pain to claw the money back from him. I am sure that will not happen, but if you thought to yourself, "ehh, maybe he would do that," it might be worth avoiding.
Platforms/brokers tend to be pretty comparable. I find that people overemphasize this one. In general the best investments to form the core of your portfolio are ETFs like VOO, but it's the fact that it's a low-fee fund tied to a broad index that's important. Better a mutual fund that fits that description than an ETF that doesn't. The most important things when you're starting out is having discipline in personal finance, and learning not to touch your holdings because you formed a notion of what will happen and think you know better than the market
If you're in a self-directed account, where you'd be able to buy VOO, then you can buy a good TDF. The best 10% are at or under .08% ER, which is indeed close to VOO's .03%. If this is a 401k, then it all depends on what's in the plan. I've personally always had Vanguard or similarly cheap options; I know a lot of people have the worse ones.
Open a Robinhood account. Subscribe to the gold subscription. Open an IRA with them. Bcuz of gold they’ll give you some extra money which is more than the cost of the subscription. Then invest in VOO. Maybe use my sub link if you want.
I know nothing about acorns but if your okay with investing it long term open a brokerage like fidelity, open a Roth IRA and max it out for the year. Think it's 7-7500 roughly. Then take that money and go buy VOO or QQQm. QQQm is a lower expense QQQ which is the nasdaq 100 VOO lower expense SPY or S&P 500 Or VTI this is the lowest risk lowest reward. Just keep contributing. If you want cash flow you can look into something like ULTY but this is way more risky as it's a bit unknown long term but you would get paid out roughly 126 a week off of 8k. I typed out a lot because there's a million in one ways to invest your money but it's a single player game and you have to decide what your own risk tolerance is, how much attention you wanna give it. But seriously Roth IRA, no taxes on capital gains ever and you can pull your own capital if you ever need to just not the gains your investment made. Any questions ask.
>but when I look at various "If I Had Invested" calculators, it seems like VOO is way, way stronger. depends on the investment and the period of time you examine. VOO is the S&P 500, which is not guaranteed to be the best investment over any 10-20 year period of time. https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png https://www.nytimes.com/2020/05/01/business/bonds-beat-stocks-over-20-years.html
Blue chips? (Newbie here outside of VOO investments)
50% VOO, 20% SCHG, 30% split between a few penny stocks lol
It's fun (I actually opened a brokerage account with Schwab just for tos even though most of my money is with Fidelity), but completely, incredibly unnecessary for someone purchasing VOO.
Per Chat GPT: Vanguard's TDF's are about .08% Schwab's Index TDF's are about .08% Black Rock's are about .1% Fidelity's Index TDFs are about .12% A TDF is giving you a broadly diversified portfolio that automatically adjusts risk profile VOO is a single asset class, which granted has performed extremely well over the last 15 years. The difference between a .03% and .08% is $50 a year / $100,000 invested.
If I had to start over with just $100, I’d keep things simple and grounded. I’d put $40 into VOO, which tracks the S&P 500 — it’s not flashy, but it’s steady and gives you a piece of the biggest companies in the U.S. Then I’d go with $30 in Microsoft. They’ve been around forever, but they’re still pushing forward with AI and cloud stuff, and they just feel reliable. I’d throw $20 into Nvidia — a bit riskier, but the growth potential with AI and tech is hard to ignore. And I’d keep $10 in cash, just in case something interesting comes along or the market dips. It’s not about hitting a home run — it’s about building something real, slowly and smartly.
If I had to start over with just $100, I’d keep things simple and grounded. I’d put $40 into VOO, which tracks the S&P 500 — it’s not flashy, but it’s steady and gives you a piece of the biggest companies in the U.S. Then I’d go with $30 in Microsoft. They’ve been around forever, but they’re still pushing forward with AI and cloud stuff, and they just feel reliable. I’d throw $20 into Nvidia — a bit riskier, but the growth potential with AI and tech is hard to ignore. And I’d keep $10 in cash, just in case something interesting comes along or the market dips. It’s not about hitting a home run — it’s about building something real, slowly and smartly.
Nowhere near as cheap as VOO, and it's not even close.
VOO's expense ratio is .03%. Most TDF's are more than 10x that number. While you may consider TDF's to be reasonable, I don't. Again, over a long enough period of time, even a little adds up to a lot.
Technically you can’t own shares of XSP since it’s a cash settled index. You’d need to own equity shares of something correlated (SPY, VOO, etc) as collateral. I can sell 1 XSP option for every $60k of notional in my account (as of todays XSP price)
Id go with VOO because its expense ratio is less and doesn't contain which you dont want unless you are close to retirement
I'd throw it all into QQQI and collect that 15% annual dividend. Then max our your retirement at work with 100% going into VTI or VOO.
OP invested in IVVW. It went down almost 10% in the past year while VOO is up 9%
This market has made me realize the "VOO and chill; don't time the market," people were right all along.
The responses you got were valid. You will eventually have some bad trades. Then you'll have to explain it to them. And they will immediately focus on the money you're charging them instead of being forgiving about you doing it as a courtesy for family. They may even start doing the math on the wins and go "wow, you got $X out if me for not doing much. That seems unfair! I want some of that back!" (This convo will come up when a,family memeber us hurting for money). Basically, like with artists, they don't count the time you out in investigating stocks to pick as "work". They'll just think you're a glorified money transfer machine taking a bigger cut than necessary. So, either invest their money without charging them for it...bc family is supposed to look out for each other not prey on each other... Or don't invest it at all. I mean if i was your family member, and i hand you 5 yrs worth of money and i find out all i was oaying you for was for you to VOO n Chill it for 5 yrs on auto pilot I'd be pissed. You weren't doing anything. Just acting as a middle man taking my money. Over 5 yrs time some of your family members may get into investing and start to ask for your trade histories and get upset at your decisions. You have a higher chance of all this blowing up in your face than for it to go well.
The last 10 years (and especially 5) have provided almost everyone accessibility to low fee self managed trading accounts and EFT’s. There’s a lot more money constantly flowing in as people passively invest in SPY or VOO for retirement and aren’t actively trading. It also makes for easy investment around the world. I’m Canadian and prior to these things a lot of banks or investment firms here would steer us into mutual funds and or stocks more weighted to Canadian business. I pulled them all maybe 7 years ago and just passively put my money into the S&P
Just wanna say one thing, don't trust ur friend but ur own research. If I would say, VOO
I haven't seen anyone mention expense ratios yet. Taget date funds are generally MUCH more expensive than VOO, and over a long enough time even a little adds up to a lot. VOO generally outperforms target date funds by a lot as well. If you're close to retirement, you may want to transition to something like a target date fund for more stability, but if you have 10-15+ years to retirement, it's VOO all the way.
The best time to start investing was yesterday. The next best time to invest is today! Look into index funds (VOO,QQQ, VBK) consider AMD and META. If you’re feeling crazy buy some small caps like HNST, RCAT. Tons of opportunities out there just gotta do research and HODL. In terms of crypto, I would look into ISO 20022 compliant tokens
Past performance is not indicative of future results. With a target-date-fund, you're getting exposure to small and midcaps, as well as international. There have been periods of time where those have outperformed VOO. As for "missing out" close to your retirement, you could always go with a target date that's farther out from your actual retirement if you want to be more aggressive.
What does "stronger" mean to you? If you are asking if VOO is less diversified, more aggressive, and may offer a higher risk-adjusted return - then yes - voo can be considered all those things.
I’ll check my VOO in 2030 to see what happens
buying QQQ is not investing, you’re betting on the technology sector continuing to outperform. There’s also no point in buying SCHD as it’s already in VOO, same for QQQ. Just buy VTI if you live in the US or VT for mor diversification
Recently I made money with Circle and CoreWeave IPO. Backed out of AIRO when their IPO got delayed. I'm missed out but pround I showed some restrant of buying a company I don't know much about. Robinhood has a page of recently launched IPOs, alot of them failed. I would keep most of your money in VOO. SPMO SMH FBTC are also good ETFs. Sit and wait for the right IPO. A company that you know that has a good product. I made money off of Roku and Cloudflare IPO. I knew those companies they have a good product. I didnt get all the share I wanted with Cirlcle at IPO price on Robinhood. The next high indemand IPO I'm going to split it between different brokers. Rember if its a good company even if it drops your didn't loose money until you sell. You can always sit on it. It can always go back up. CoreWeave didn't drop much but took a little while to go up. Even if it takes you a couple years sit back and wait for that one good IPO. If you got 5 grand and go all in on 6 good IPO trades. Your trading whole yearly salaries. You could be eventually living off 1 trade a year. Try not to go all in but you have to go in huge if you want hugh profits. I bought about 5 IPOs and they all did good. They have to have a good product.
Vanguard has some kick-ass ETFs. VGT beats the shit out of QQQ. VOO has more AUM than SPY. VYM and VYMI are great funds. But there is, at best, an insignificant market for options on any of these funds. Most option chains don't have recent quotes, and those that do have giant bid/ask spreads. Vanguard (or someone) could make a killing making a market on options for their funds, quoting tight bid/ask spreads. Someone there is seriously dropping the ball.
I would park it in VOO if I were you
True. Concentration was the reason I became a millionaire even before I graduated college. There’s a lot of luck involved in my case but there’s less luck involved in picking 5 random stocks in the SP500 which statistically will beat the underlying index more times than not at the cost of higher volatility and beta exposure. I didn’t even use leverage or touch options at that point. Just pure concentration into TSLA stock and zero diversification. Should I have stayed the course with VOO and VXUS at 18 years old I don’t think I would be at even $1M net worth today, or maybe barely above $1M.
Concentration in the wrong investments underperforms as well. If you don’t know shit about fuck, QQQM is right there. That said, there is a reason why market cap investing works (VOO, VT) and is difficult to beat long-term.
It should make a difference. Imagine if you put $7000 into VOO and waited 20 years. It’s going to be your guaranteed tax free growth. The second you mess up these option plays in a roth and already max out your contributions, you’re playing with fire.
my Roth is 100% FBTC. I have VOO and other ETFs in the taxable account.
Dump it all into VOO and add as much as you can every single month. Reinvest dividends. Repeat for at least 25years The end
The is a lot of excitement about bitcoin but it is legal tender in only one country. you can barter with it but the other person may not accept it. The only way to make money with is is buying and selling. So rather than buying or mining it I would ratter by a fund like BTCI. This fund uses covered calls to convert price volatility into dividend cash payments to [you.it](http://you.it) aims for a yield of about 20%. Cash you can use to invest in other assets or cover living expenses Berkshire Hathaway is a good investment but its shares are expensive and it pays no dividend. With no dividend it is a tax efficient way store money Any since it is lightly traded the share price is very stable with a little bit in growth. There are many other companes out there that don't pay a dividend you could use to save money index funds like VOO and VTI are a common choice low tax way to saving money More volatile than BRK-B but still goo growth.SPYI is also a good covered call fund, it holds the S&P500 index but rights covered calls on the index produce a good dividend of 11%. Covered call funds are great way to make income if you have a good reliable fund. There are fund that produce much higher yield (in at least one 100% yield) But that very high yield comes with a lot of risk The risk associated with BTCI and SPYI is much lower I also prefer to not automatically reinvest the dividends for the funds. Instead I collect the cash and invest it in other dividend funds that don't use covered calls.
The time value of money cannot be overstated. A dollar today is worth far more in the future. There are hundreds of lessons but the first is stop fucking spending money on stupid bullshit immediately. A $35 night out actually costs you the future value of lost investment. If you're frugal and being investing immediately your life with be fucking CAKE in your 30s. Waiting too long and being too lose with money is the single biggest mistake I've seen in my life. And if you see yourself making less than the market it's time to VOO and chill. The math doesn't lie. You're either going to be good at trading or you're not only wasting your time you're losing badly. Good luck.
> It means Reddit is basically unusable for stocks because it's all Americans investing domestically so currency risk doesn't matter to them. I knew going 100% VOO was NOT the thing to do when I started seeing more and more of folks in this sub and others parroting "VOO and chill." Every time you'd ask them why, they'd just copy/paste a quote from Buffett about never betting against America. When you see people on reddit copy/pasting something they saw someone else say here, that's when it's time to consider inversing reddit.
"Seems like the retail investors have caught on to the fact that there's no fundamentals just money printing." That right there is why 99% of people are best off just VOO and chill or BRK.B, etc. and don't do shit. Just let them inflate you to success. Fixed interest rate loans are your friend. Secured as soon as possible of course so that inflation pays them off. Most of the people in here are too young to understand how simple it all really is. That said, I just sold treasuries to place a liquid cash position in wait. I sense there will be another excellent opportunity soon...
Every week the retail has money. 10% of my income goes to VOO.
Buy ETFs. Set it and forget it. There are a million questions like yours on Reddit to get the basics. Or ask ChatGPT. Get plenty of growth exposure, you’re young; allocate some stocks based on your interests and beliefs; ensure you have sufficient exposure to several sectors or just buy an overall market etf like VOO. You could also focus on buying dividend stocks or income ETFs if you want more passive income at the potential expense of growth
My IRA has limit orders on VOO at overnight dip, it's Friday.
I don't understand your asset allocation. Why is there so much overlap? VTSAX and VTI are the same. Both contain VOO. Why not just have VOO and the desired weight of VOE, small cap, etc SCHF is contained entirely in VTIAX.
What are you even talking about? When you invest in VOO you are investing in a fund that replicates the SP500. They don’t chose what they invest in. They just buy / sell based on whatever market cap and weigh that specific company has at the time in relation to the broader SP500. So yes. If Tesla is 1% of SP500… all of those massive ETFs will have to own 1% of their AUM as Tesla.
You have a goal! If you shoot for it and retire at 55, you won't feel bad. Limit expenses. Less you spend, more you can invest. If you have a 401k at work, especially if they match or whatever, max it now. Your new check is what you make, so adjust. What do you think is a growth opportunity? Have fun with this! I got into investing late - 2 or 3 years ago at 40 - and thought...space? So I started digging into space stocks and threw a few thousand into RKLB and ASTS. That was money I was willing to burn. My hail Mary. Rest I put into VOO and tech stocks post covid (did well with Amazon at 100 or so...missed NVIDIA, it happens - you'll "miss" a lot). Buy a single share of something you want to keep an eye on. Read about it. Try to get multiple investments you'll ride with after watching for a while, buy them when they're red. That's kinda it for me - but I'm an idiot. C.PRN has a really great dividend until the 2040s, so Google that. Best of luck!
This is very true. About a year ago I bought VOO at about $550/share. I was as only up a small amount in gains right before “Liberation Day”. I sold off on March 30, because I knew what was going to happen. Glad I did to avoid a wash sale. I was going to wait until sometime after summer to get back in with VOO. The market is just too volatile for my taste. So yeah, I’m damn well timing the market. Everything about investing is timing the market. If people are uncomfortable with timing the market, they should seek out the Bogleheads cult here on Reddit.
Whatever you don’t do, don’t blindly buy VOO cause everyone on Reddit is saying so. VOO is a good fund, but it’s one asset class in one country. United States Large Caps only. Your goal should be diversification, both across asset class and regions. VT does both for you with a .07% expense ratio. It owns every relevant public company on planet earth across all countries and asset classes (small caps, mid caps, large caps).
I don’t think there’s a reason not to go with global, market cap weighted unless you want to get deeper into the academic research (which can be fun for some people). Why US only? Why US large caps only? Those are questions you should comfortably have an answer to if you decide all VTI or VOO (honorable mention to SPLG for being a basis point cheaper than VOO).
VOO is solid. At 28 with decades to go, you're good. could add 20% VXUS for international exposure if you want, but honestly VOO alone will do the job. Just set it and forget it.
Just throw it all in VOO or VTI.
Take 60% a buy a long term portfolio such as VOO vti qqqi and spyi. You have long term growth and Income. The other 40% you can do options on something you believe by intuition is going up or down, buy delta. 30 option 1 moth out at least.
No such thing except SPY, VOO, or QQQ
Not necessarily. I like helping the getting started folks. 50k depends on the age and how much of a pain they are. Just like most advisors are mediocre, most clients are mediocre too. Often for the same reason: they both believe in magic investments. Investing is behavior, planning, automation, and improvement. Self directed could do whatever I do for them with VOO and SGOV, the problem is they A: they will panic sell B: will not plan to goals C: will not have a mechanism to hold them accountable/push to invest/save more.
This is how I know to buy VOO tomorrow morning at market open because when people post shit like this on Reddit, you know you’re going to hit ATH for weeks.
Switch to a safe investment like holding shares of VOO. Doesn't have to be all of it, but maybe like 90%. Also make sure you account for the tax man. He'll be taking 30% of your profits at the end of the year.
Put all but $5k into something like VOO or SCHG, or maybe a high yield CD. Spend $2k on one night of the best blow and blows that you can get. Take the remaining $3k and start again.
Yeah they asked me to invest for them. I’m younger so it’s easy to throw most of my investments into VOO/VTI but for them I figured that may be too risky. They could very well let it sit in money market but they seemed to want to invest it.
You sound like a great candidate for the "VOO and chill" strategy. Buy it, don't check on it often, and keep adding when you can. As **of** May 2025, in the previous 30 Years, the Vanguard S&P 500 (**VOO**) ETF obtained a 10.28% compound annual **return**.
90% of hedge funds don’t beat the market. Be satisfied with “average returns,” because just the virtue of holding VOO or something and never selling makes you better off than like (arbitrary number, but) 85%. You seem to have a well-paying job. You’re better off focusing on that job than trying to beat the market. I promise you that you don’t know what you’re doing.
I sell CC and CSP's in mine. It beats my VOO and chill. I buy shares with the profits.
VBK has been lagging quite a bit and think it will outperform VOO in the next year. It’s showing an inverse head and shoulders (which just broke) and when the Fed starts decreasing rates, VBK will break out and catch up with VOO. Once it’s caught up, I’ll be selling it and all into VOO. VTI is a smart choice for those who want all large - mid - and small caps rolled into one, but I choose to neglect the middle child 😉
All it takes is one bad day man. At your age just maxing VOO is guaranteed retirement.
I would personally take the time to set aside about 10% of that for mid cap stock picks or mid cap ETFs. Possibly international (Europe ETFs) then I would pick a couple speculative growth stocks to pick. I like SMR and OKLO for nuclear reactor growth personally, but there are many other areas that could have lots of growth. Then I would put another 10% into a defensive strategy. Consumer staples. Utilities. Healthcare, telecom, data center REIT. Maybe some bonds even though they're boring I would then just set up recurring purchases of VTI or VOO. I like VTI more right now. That's where I would put 80%
Most people will recommend an S&P500 tracker like VOO, personally I buy SPLG which is the same thing with a slightly smaller expense ratio. Open an IRA or brokerage account and just add money in when you can.
the only long term shit thats important for me rn is retirement, and then like SPY or VOO or something imo. but i know nothing so take that at face value
Got it, thanks! The loss was in VOO entirely, and I’ve purchased nothing but single stocks since. Thinking I’m going to move out of some winners and into a few other beaten down names now with the profits. I should be ok in doing so since I realized such a big loss earlier this year.
This will be a bit reductive, but it covers most of what you need to know except for weird fringe cases... As long as the positions in question have been held for less than a year, then you'll only be taxed on the final tally at the end of the year. Ex: If April–>June was a 100k gain but then June–>December is an 80k loss, you're only on the hook for a 20k gain. Just keep in mind that it's a year *from when you bought the equity/opened the position*, not necessarily like "2025" or "2024" or whatever. The other big thing to be careful with is "wash sales"; the easiest (and again, reductive) way to think about this is that the gov't doesn't want you selling a position at a loss and then buying right back in so that you still have the equity but can claim a loss on your taxes. Here the main concern is whether you bought back in *within 30 days* of exiting the position (after 30 days you're fine, though the rules from my previous paragraph apply). ONE MORE IMPORTANT CAVEAT is that if you sell a position in, say, ETF X at a loss, then immediately buy in to ETF Y, but they're very similar ETFs (think like VOO vs SPY), then the wash sale rule still applies. TLDR; just worry about your net profit/loss if you're opening/closing positions that are less than 365 days old (regardless of the time of year/month), and don't look for loopholes like "I'll sell SPY to create a paper-loss and then just buy back in immediately or just buy in to VOO instead". The paper loss won't apply. \*This is a financial explanation and not advice\*
My plan is to keep buying VOO. But I'm worried if the USD keeps devaluing it will ruin my gains. Is it a good idea to diversify to EU like VXUS?
My US stocks are up but down in real currency because of USD devaluing to CAD. Like the chart today for VOO is up 0.30% but VFV is down -0.20%.
Why buy VOO when you can buy CUK?
VXUS only just passed it's 2021 ATH a few days ago, and there's no promise it won't trade sideways again like it has since inception. Where as VOO has continued to go up.
Without any other information: https://www.reddit.com/r/personalfinance/wiki/commontopics/ Speaking very generally, if you're trying to diversify past VOO, the usual progression is: 1. Total US stock market 2. Developed ex-US stock market 3. Emerging markets 4. US bonds 5. ex-US bonds 6. REITs 6. Commodities (you've got gold going already) 7. Cryptocurrency
where would my 1k buying power be best put? i already have shares of VOO and GLD but want to diversify more. Thank you in advanced!
VOO and VT both pay dividends. smaller dividends than if it was a dividend-focused ETF, but globally 50% or more of stocks pay dividends. it's not all or nothing. dividends are part of investing.
1. Build up a 3 month emergency fund. Put that into a high-yield savings account (should be paying ~4%) 2. Open a Roth IRA and try and fund that as much as possible. 3. Make sure you *at least* get your employer match via your 401K. That's literally free money. 4. Once you have the income to max out both your 401K and Roth IRA(and I realize this might take years to reach that point), then open a taxable brokerage account and fund/invest with that. 5. Keep costs low. I wouldn't buy an ETF with more than an 0.10% expense ratio. Stuff like VOO/VTI/VT/VXUS are amazing. (VT buys literally every publicly traded company on the planet and auto-adjusts, for only 0.06%!) 6. Never panic. If the market drops 10/20/30%, stay strong. Keep buying. 7. Automate as much as possible. Your 401K already is, but for your Roth/taxable, most brokerages offer automatic investing. I do this myself, every Monday I buy VOO and VXUS. 8. If you need some more help, look for 'The Money Guy Show' and 'Rob Berger' on YouTube.
Same reason you don't buy VOO and go about your life. You want to gamble.
If you were able to [perfectly time the bottom for VOO on 4/8](https://testfol.io/?s=0Khhx7YiRHd), you would have recovered 21.0%. Don’t bet against America, right? Well, actually VXUS has gone up 23.2% over that time frame, one cherry picked to be most favorable for VOO. If you go back to [January 20](https://testfol.io/?s=0Khhx7YiRHd), VXUS has completely trounced VOO, 13.5% to 0.0%.
Since you're a beginner I suggest putting your initial money in a standard ETF that follows the S&P 500 like VOO. You can start exploring stocks later on You need to read resources online like this [newsletter](https://dailystockspotlight.com/) to familiarize yourself on how the stock market operates. Youtube is your best friend too
For starters I would open a brokerage account and put it in something like VOO - an ETF which tracks the S&P 500 (top US companies) or VT (tracks entire global market if you want exposure to foreign markets) and are considered very stable with good return long term. On your salary, you could afford to put away $1000 a month or more automatically into that investment and just let it grow. This is usually a better strategy than a High yield savings because the interest growth will be higher.
Thanks - I'm basically where you were 6 months ago, just starting. I'm maxing out my 403b - you can only contribute so much each year, I'm in the 65 yrs old + catsup category of slightly over 32K per year. Moving al surplus $$$ to a high yield savings account ( currently down to 3.65% with Goldman Sachs who started @ 4.25% before Trump screwing with tariffs) . Still have at least 2K a month in surplus income to either continue to sink into the now moderately high yield savings account which is safe OR go with something else for better returns. It seems the overall consensus is to use Robinhood & go with a Vanguard S&P 500 ETF (VOO) which shows a 2024 return of a tad over 25 - 28 % depending on where you look. This is significantly better than my Tranamericia 403B with a current 16% rate which was MUCh higher before the Trump era Thank you for saving me additional research, time & probable losses from going in other directions !
VOO and QQQ are both down along with a bunch of dividend etfs.
Just buy VOO and forget about it. No need to try to pick companies
Man that’s dumb. Instead of pull port DIS shares and calls 2 weeks ago I bought VOO like a boomer.
This situation sucks and yes, you were very likely misled. You probably will never see that money again. As for those that say consult a lawyer, sure but don’t expect any heavy lifting from them for $7.5k total loss against a bankrupt co with owners who very likely have limited liability, as that’s basically small claims court level. I’d just take it as a lesson on risk and move on. No shame in sticking to those ‘boring’ ETFs - eg VOO, VTI
I trust the S&P 500. The Vanguard S&P 500 index fund. VOO on the index
We never went all cash, but paused taxable brokerage investing from January through May to build up our cash position by another $40K so we would have more than a years worth of expenses. Now we are back to taxable brokerage investing. We usually buy VOO/VTI, but we started buying more BRK.B lately.
This is Cope for a poor long-term investment strategy. If your investment horizon is more than 20 years and you choose VOO over QQQM, then you made a mistake.
I just stick with VOO and call it a day, honestly. Dividends sound nice, but I don’t wanna deal with the extra tracking.
Coming from experience investing multiple hundreds of thousands of USD investment portfolio using real money, The portfolio generated 10.98% 4-Year CAGR VS 11.67% 4-Year CAGR of the Vanguard S&P 500 ETF (VOO) from 16 Feb 2021 to 18 Feb 2025 (neck-to-neck performance) The portfolio generated 12.47% 3-Year CAGR VS 11.04% 3-Year CAGR of the Vanguard S&P 500 ETF (VOO) from 15 Feb 2022 to 18 Feb 2025 (slight outperformance) The portfolio generated 16.75% 2-Year CAGR VS 21.56% 2-Year CAGR of Vanguard S&P 500 ETF (VOO) from 15 Feb 2023 to 18 Feb 2025 (significant underperformance as almost impossible to beat S&P500 in this timeframe unless using super sophisticated quant-level strategies or very hard to execute sector bets or over 50% of your investment portfolio is invested in the Magnificent 7 - which sucked up enormous sums of capital and greatly delayed sector rotation due to the AI Boom Hype) You win some and lose some - such is life. Sharesight is a great Investment Portfolio Analytics Platform to track absolute return performance over any period with return decomposition.
Do you want to waste time researching and following those 5 stocks? Do you have the balls of steel to endure long drawdowns? Even the best companies can go down and side ways for several years (see microsoft in the 2000s) Or You can sleep well at night and simply automate your DCA into VOO on a weekly basis and guarantee you’ll match the market.