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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
Bro why wouldn’t you just put like half of it in VOO and you’d be fine
Why hold a losing stock when it can be moved to another security like VOO?
Can’t go wrong with that. But you are missing a huge section of the market with just the s&p. At your age the mid and small caps will grow a lot by your retirement. If you’re going with something like VOO, you should also have a satellite position in VXF.
401k- set to lowest sp500 fund, contribute as much as you can- don’t panic sell. Roth- QQQM, maybe some bluechips you like, don’t panic sell. HSA- sp500 lowest cost fund. Save your receipts, pay them later in life. Yup, you guessed it- don’t panic sell. 529- lowest cost sp500, teach you kids to buy VOO automatically and weekly with some % of their income no matter what- teach them not to panic sell. Definition of panic sell: selling assets for any reason other than having an urgent expense to pay for.
> International lagged behind for a long time but this year was obviously different. Trailing12M: 27%vs13% world vs US. I hold both VOO and a worldexUS etf. The reason is I don’t like my funds be overlapping they screw the weights. Also I don’t like how the world market cap is weighted now with US like 60-70% while historically is closer to 45%-50% I use 2 ETFs to reweight it down to 35%US and 60%World since end of 2024. This certainly worked well for me this year.
Hi there I'm finally done picking single stocks and looking to invest in a few ETFs instead. I'm 26yo and planning not to touch the money the next 20 years. Currently, this is what i came up with: 1. 50% VONG 2. 20% CIBR 3. 20% SHLD 4. 10% IBIT Am I overcomplicating things and should just 100% VOO or is this approach reasonable considering a higher risk-tolerance and wanting to invest in growth. Thanks for giving your opinion :)
Just switch to the lowest internal cost sp500 fund. Then work to increase. Learn as you go. It’s not a big deal. Target date is ok’ish. But it’s just easier to VOO and chill. You should be doing it with your normal money too. Open a Fidelity account and buy whatever you can afford of VO on auto weekly basis. Only sell when you have something urgent to pay for. That’s it. That’s all personal finance is. Best of luck!!
Yea, you’re on the right track. Just go VTI. VOO is good too. Just pick one and deploy.
Apple, Microsoft, VTI, and VOO. 2 Tech and 2 Index. And buy every month and hold long term
VTI Is my core. I have VXF as a satellite. Simply cause VTI is so heavy in the s&p that I wanted mid, small cap exposure more. Then I have VXUS for the foreign markets. If you have VOO and VTI already I would compare the capital gains on them before dumping anything.
VOO and Mag 7 are bubbles in themselves, so that wasn't smart either. It was herd-behaviour at best, blind capital allocation in reality.
You have a gambling addiction. I have a friend who does this as a day job, and I'm too shook to follow his trades, despite his success rate being like 94%. Then you have others who just yolo away their savings, Reddit can't help you. Once you have yourself sorted, I suggest just buying VOO or VT.
I would argue automated investing plans are a good way to keep scratching the itch and potentially set them up for retirement. 50% QQQM, 20% VOO, 10% SMH, 10% IXUS, 10% GLDM. Keep current funds in money market cash, have it automatically fully invest with 3 years via weekly fractional buys and reinvest dividends.
Cash out, keep it all in money market fund. Then setup an AUTOMATED weekly investment (fidelity vanguard they all have it) that fully invests all the money within 3 years (54 weeks times 3x). Put it into 50% QQQM, 20% VOO, 10% SMH, 10% IXUS, 10% GLDM Log in daily or weekly and watch the gains (or losses) via automated investing. You're in the market but not. If you want to make a change modify the automated investing plan. It'll limit you mostly to ETFs anyway. At the end of the 3rd year have the automated plan pull out weekly from your savings and continue investing. This will scratch the itch that you're in the market while lowering your risk and probably result in you having several mil by retirement. You've done good. Take a break and let the money compound now automatically.
1. VOO is basically flat YoY but that's because of the recent slowdown. A week ago it'd be up. 2. You seem to be using short term options. Don't, there's a reason they are cheap, and there are too many fluctuations and variables in the near term that can fuck things up. LEAPs should be the only options you buy.
Why didnt u just VOO and go to sleep man
People underestimate the power of compounding esp when the market is doing 20-30% a year multiple years. Some guy on here posted a while back that he turned $50k into $1.5m in 10 years by just holding VOO and VGT and a couple of other ETFs. And compared to this options madness it’s almost a sure bet. OP buy “the simple path to wealth” by JL CollIns on amazon. DCA and forget it as others have said. Leverage is poison.
If you just held VOO you’d be up $23K
Ya know, I went in on VOO back in August after reviewing it, and its still up less than 2% in 4 months.
I'm convinced. Just put $20K into VOO. Good luck selling your dead company.
I'm convinced. Just put $20K into VOO.
You actually lost 10% VOO annual return . by buying and doing nothing
You are the kind of guy most suitable for VOO and chill. You selected a different route. Very unfortunate
Wait for OKLO to get back down to $20-30 within the next 2-3 years depending on how fast they get their COLA. Just replace all those risk with RKLB, thank me in a year. Large cap just go mainly Google, then Amazon, then Nvidia, Then Microsoft and Broadcom. Depending on how much money you have go 50-70% VOO. This is not financial advice 😂
VOO and hold would have put you at about $185k with the dividends.
I don't know how people don't at least build up a large position in low cost ETFs like VOO or IVV **before** doing stupid plays. Get compound growth working for you as the slow and steady backup plan first, I mean, why does it have to be all or nothing? 95% into ETFs like a good boy, and 5% into absolutely stupid 0DTEs in the off chance you bet right.
I invested in VOO for over 25 years, retired at age 49, and still all in VOO with some QQQM
just buy VOO and diamond hand that shit. work for a long time and keep buying it. if you're tempted to do anything else, don't. 33 is still plenty of time to fix this.
You need to rid your mind of the notion that you will be able to get back to where you were before. It’s not going to happen. The money is gone and there isn’t any sequence of good idea that will change that. I would STRONGLY recommend closing your Robinhood account permanently and opening a Vanguard account instead to remove the temptation do trade options or day trade. You should never trade another options contract as long as you live. If you do want to invest then you should buy 1 share of VOO once per week. You should never sell for any reason until you retire. If you can’t hold onto the share for at least 10 years you shouldn’t buy it. Investing shouldn’t be exciting. It’s supposed to be boring and predictable. Until you can summon the discipline to restrain yourself I would step away from all forms of trading for a while.
if you can earn $500k by 33 years old, you'll be fine. You prob lost about 5 years of future savings. Seriously, automate your savings into VTI/VOO and walk away. Go hit up your favorite buffet tomorrow and just be glad you're not in debt like 50% of the US and still better off than 75% of the world.
Set up auto contributions from your paycheck. Put it all in VOO and delete the app for 10 years.
My man, at some point you had to realize you were bad at this right? RT seek some addiction treatment. If you saved 300k by 33, then keep hustling and just buy VOO. You'll be rich someday.
I buy $50 of VOO every week.
Put the rest in VTI/VOO and forget your password
So when there is a self directed account and it is fully invested (no idle cash), what money would the broker make? They used to at least make commissions. Now it is endless phone calls from clients that generally have no business managing their own money. Most calls are password resets, or to ask super basic things that if they can’t answer or look up themselves, should just hire a pro. They offer those accounts in order to have advisors try to sell them on paid for services. There is some value in the auto money market. They make money that idle cash also, but not much. They would make way more if it was true idle cash they could lend to banks overnight (the whole reason Schwab went zero commission to begin with). But basically the reporting and auditing necessary for offering self directed accounts is crazy high. The record keeping. The staff you need to answer the phones. I used to work in those call centers. Tons of waste. The benefit is having people to call and take a swing at selling services. That’s why they offer it at all. But vanguard makes the same with someone buying VOO at Fidelity, just that Fidelity takes the phone calls and handles the audits and 1099’s and endless silly complaints.
Mid-40s, I would not play trying to structure or make strategy with only $100K. The rule is: Just keep it simple. Invest in ETF like VOO to capture the market performance, maybe VONG if you want to add a bit of growth and finally minimum international with VXUS if you want to diversify. Maybe 50%, 30%, 20%. When you reach $1M, do the same and add tax loss harvesting, and a bit of private equity, and get an advisor for few years.
Only if you cash out all your VOO and buy hamburgers
It is simple but also not simple. For practical purposes, we say the market is random. This works most of the time and is generally the best way to operate. However, there are indicators, not just some silly technical analysis, that can be used to predict recessions and large market downturns, as well as fair value pricing. This doesn't help for short-term market prediction, but if the AI bubble does burst, it could be 5+ years until the market bounces back. Let's look at Reddit investors' favorite two people, Michael Burry and Warren Buffett. Burry is straight-up shorting the market, and Buffet (Berkshire Hathaway) is holding massive cash reserves. Obviously, in Buffett's case, that isn't exactly comparable to retail investors, but still. I guess my mistake was the title of this thread. Everyone is beating me down with the hammer of "lump sum is better" despite my acknowledgement of that at the beginning of my post. Nobody is really talking about my concerns about the current market. It's clear that many commentators didn't even read my post by asking questions that are already answered in my post. But still, as I said in another reply, I do think mostly lump summing in will be the way to go. And if not into VOO, then some less bubbly ETFs in the meantime.
VOO is not leveraged, it simply tracks the S&P 500, it is a low expense ratio fund and will perform exactly inline with the index. This is the most classic buy and hold forever you can get.
And what would you have had if you just put it in VOO
I bought VOO and forgot about it. I’m up 14%
Yes sometimes it hits a bubble pop. For example, in 2000, the dot com bubble popped, and VFIAX (the same fund which VOO is a share class of) dropped. It will likely split at some point eventually. Interestingly, in 2013, it did a reverse split, but has not yet done a forward split. The main sources of VOO rising are (a) inflation, (b) corporate value creation and reinvestment (like when you take a lemon, some water, and sugar and sell them as lemonade for more than it cost to make), and (c) falling discount rate (rising valuation multiple). In addition to that, VOO distributes dividends which are part of investor returns but doesn't grow the share price. Over the long term discount rates cannot fall forever, so (a) and (b) dominate, but in the short to intermediate term they can be very impactful in the bull and bear market cycles.
Not me. I use to be an index only guy. Got bored during COVID. It was just too obvious to not buy the biggest dips. I sold VOO and went like 70% in on VBK (small cap) because they took a bigger hit. IIRC it gained more than VOO as well. Then I bought VDE (Energy) dip. Then I bought AMC meme just for fun, only $500 worth unfortunately. Then I sold VBK in 2021 for NVDA, PLTR, COST, AXP, MSFT. Imagine if I had listened to Reddit advice...
Same. It was just too obvious to not buy the biggest dips. I sold VOO and went like 70% in on VBK (small cap) because they took a bigger hit. IIRC it gained more than VOO as well. Then I bought VDE (Energy) dip. Then I bought AMC meme just for fun, only $500 worth unfortunately. Then I sold VBK in 2021 for NVDA, PLTR, COST, AXP, MSFT Imagine if I had listened to Reddit advice...
If someone had been in SGOV for years and goes HAM on VOO for millions, he will totally panic sell. Find a trusted pro. You’re not equipped to guide him through volatility. This is no insult. It is very hard to guide people through investing. And it gets much harder as the money is bigger. It’s easier to buy 1000 of VOO month, set to auto. It’s much harder as the money is huge.
SCHD dosent suck. Its just in a bad cycle going against high growth tech. I say you’re just too young to be in SCHD. Just be in SCHK and VOO.
Not me. I like seeing green. Enjoy these blessings and just move something safe, even bonds until we see a VOO correction.
I'd suggest setting up another account. Fund it with a small amount and have options trading ability. Remove options availability for the retirement accounts and put in VOO or another safe EFT. Gamble only on your new cash account.
I got to first $155k the smart way. Mostly VOO & Mag7. I got back to 155K the WSB - gambling on the latest shiny thing.
I wouldn't get out of Cisco, it's outperformed VOO. You definitely could sell covered calls and at higher deltas to try to get assigned Here's a little tool a redditor created and shared on the covered calls sub Reddit, just choose 'max performance' and it will generate strikes that are likelier to be assigned: https://thetago.app/
i have a 401k that is 50% sp500 and 50% life cycle funds. then me and wife each have fidelity accounts with a little over $100k which includes (our emergency funds in taxable accounts which are like 30% SPAXX / 30% treasury funds like sgov and usfr / 30% BOXX and 10% sp500) then we each have a traditional and a roth - hers are both ~ 30% each of ETFs ( VOO / VTI / QQQ ) and 10% in international ETF (similar to VXUS) mine is 1 account (Trad.IRA) has all kinds of ETFs and the other (Roth) is my gamble up individual stocks account - it made ~20% more than SP500 this year - so i will do it again next year - we agreed that if i cant beat the market - then i will switch to the all ETF approach. (i am only buying shares. no options and no shorting.)
Yeah man VOO and chill is too much risk for me it might go down 2% by next week
lol bros out here doing this shit but doesn’t wanna buy VOO because it’s at a high.
Absolutely might work out that way. It also might work out that small caps and mid caps rear their head and jump forward. I mean, look at international equities this year. VOO is up 15.85% YTD. VXUS is up 28%. BTW - VTI is up 15.37% YTD, so it has captured almost all of the upside of VOO, but it has 5% less exposure to the Top 10 holdings, which makes me rest a wee bit easier (maybe 5% easier).
Wanting to invest in VOO but I’m trying to understand it more and how its value constantly grows. Does it ever hit a bubble pop where it drops? Does it ever experience a stock split to bring the value back down? Thanks in advance. New to investing so sorry if this question seems obvious.
Dude!!! You added eight years of ROTH contributions in 30 days. That gets you close or over to 200k by 2033 if you just put it in VOO and make your annual max contributions. Take it from someone who didn’t start a Roth till later in life. Set it and forget it.
Bro, just make affordable purchases of VOO every month and don’t look at your portfolio balance until retirement.
You just stop. Buy VOO. Sign out. Never sign back in. Delete the apps. Don’t look at charts or this sub. Focus on other things in your life - family, friends, hobbies, work. Try to be normal.
https://preview.redd.it/op2b6ynaxm7g1.jpeg?width=1064&format=pjpg&auto=webp&s=b7bfba1b9669765a6146986b81e45aa3cd360479 Good day for me.. today I quit day trading, it’s ruined my health.. mental health. I’m beating the SP by a good bit but I can honestly say it’s just luck lol.. I wish you guys the best. Time to chill and VOO
My thesis has been that mega caps are not likely to be broken up and are likely to retain a competitive, monopolistic advantage as incumbents. Therefore I do VOO over VTI
I have about 40k in roth with VOO(50%)/VGT(15%)/SCHD(15%)/JEPI(15%)/ and ULTY(5%) This account is more for growing to a decent size so I can start spending the money.
Good news, if you put what's left into VOO you will be back to break even in about 90 years or so
If market weighted index funds were boosting the price, then we would see the same top companies move in price in relatively the same rate, because they mindlessly keep buying based on the weighting right? Then as you say they take supply out of the system so traditional traders can’t correct the market. So given we’ve had S&P ETF’s like VOO and SPY for decades, at least for the later one, then we wouldn’t see both high volatility, a substantial change in leading companies, and the companies stock prices move in relative unison over that time. But in fact we don’t see any of that. These aren’t just stories, there’s been a lot of analysis of the effect of index funds and ETF’s on price discovery and while there are some effects on the broader market like reduced macro volatility and a price effect around inclusion in or removal from the S&P500, researchers aren’t seeing the effect you’re describing of index funds on Tesla.
There are many, many worse ideas! VOO is my default "smart thing to do until I decide I need the capital elsewhere".
Of course it does. You have $5? Put that in VOO
I’m 38 and just started a Roth. I have VOO and just started buying some schd too
If you were interested in setting up a position in something like SCHD, I'd keep it small. In a 2 fund portfolio absolutely no higher than 20% and even that's pushing it. At 26 you're going to benefit more from growth funds. SCHG, VOO, FXAIX - whatever. They pay dividends themselves and you'll get better total return. Once you get closer to your 40's that's when I might start considering shifting to either open a position in something like SCHD to begin accumulation or increasing portfolio share by x% annually.
got it - do you hold any long term conviction play at all or just VOO and short term degen plays?
So I think vanguard lets you do fractionals for their ETFs. But that’s not enough. Why settle. I have advisor friends at Vanguard, they would rather you buy VOO at Fidelity anyways. They only want accounts where people pay for advising services. The self directed side is a loss leader for them. It’s not snark. The answer was quite clear.
SCHD doesn’t suck, it’s just inappropriate for a 26 year old. Dividend funds provide regular income (which you don’t need), but in doing so they sacrifice total return (which is all you should care about for the next 40 years). VOO is a good start. Focus on contributing as much as you can afford, particularly into tax/advantaged accounts. Once you get your feet wet you can diversify further: small and mid cap US funds, international fund.
I picked the wrong fucking Thursday to convince my parents to put their money into VOO… I gotta go tell them to not paperhand this shit now
You’ll see more growth with VOO. There’s no reason to focus on dividends at your age
Hi everyone. First of all when i say sp500, i mean all USA. (And around 60% of VT ofcourse) I’m going to be honest: I have zero hope for the SP 500 and its future. The US has lived through a "Golden Age" for the last 10 15 years. I wasn't in a financial position to invest during those times, so just like the Bitcoin craze, I missed this wave too. It wasn't that I chose to miss it, I just wasn't even at the investment era. I am going to start investing in the coming years, but the classic "Buy VOO and chill" advice gives me absolutely no confidence. We all know the current situation of the US market. AI bubble or not, I look at the big picture. And in this big picture, I don't see a good outcome for US investors. Maybe there are a few good scenarios out of millions, but the odds are low. To keep it short: A lot of research and statistics show that the market will slow down or even stall. Of course, this won't happen over a century, but maybe we will see a recession or stagnation for 5 or 10 years. During this time, everyone will say, "This is an opportunity, buy the dip, we will be rich later." But I don't believe that "rich future" is coming anymore. You will just be left with the "cheap" stocks you bought. OR (and this is a big OR), the rally and party will start only after we retire and cash out. In that case, our investment timeline simply wasn't enough. We will become a "buffer generation." I know there has never been a 30 year period in financial history with zero real returns. HOWEVER, for the years that you and I are investing, returns might stay at funny numbers like 4% or 5%. Recent reports from Goldman Sachs, Vanguard, and JP Morgan are saying exactly this. In the past (the Golden Age we left behind), everyone could double their money in 4-5 years. Those who bought Nasdaq-100 funds (QQQ) basically went to the moon. But guys, I am saying that era is gone. We missed a huge train. Just like BTC. You might say, "Then invest in non-US markets like VXUS." You are partly right. But we will never reach the old "SP 500 comfort." I am not talking about performance; I am talking about peace of mind. Investing in China, Indonesia, Vietnam, Korea, Japan, Europe, Brazil, etc., will never replace the place of the SP 500. These markets are in bull for a couple of years. And then 5 or 10 year silence. In my opinion, emerging markets are unreliable. They are "developing" for a reason, not just their economies, but everything. You don't know what will happen tomorrow. At least with the SP 500, things are clear. And Europe? It’s like an old grandpa. That is exactly where the US is heading now. Don't be surprised if the long-term average is around 5%. In short, I have no faith left. I used to be a person with dreams, but forget about being rich, I am not even sure if I will be comfortable in retirement. In the past, people who dumped money into index funds became wealthy with large amounts or had a comfortable retirement with small amounts. But for the coming period, getting rich is a fantasy. You will invest big money just to have a retirement supported by social security. And if you have no one like me, you have no escape door.
Just put the VOO in the bag bro
If it helps, set up good to cancel (GTC) orders to purchase index funds. Ex. In April, I was worried how much it would drop, so I set up GTCs to buy a small amount everytime VOO stock price dropped $5. Took the anxiety off since I wasn't "consciously" buying, and it wasn't technically lumpsum. Now I do my monthly contribution through a GTC that is $5-$10 less than the all-time high of that month. Always goes through.
VOO has a higher concentration of big tech, which has done great recently. VTI has a much broader portfolio, but also a lot of big tech. If you think the future could include more gains for small and mid-cap, VTI could be a better choice. They have performed similarly recently.
If this is long-term and you already have most of your exposure via VOO, I’d personally think in terms of business quality + cycle risk. AVGO is probably the most “boring” but also the most durable here diversified revenue, strong cash flows, and less dependent on consumer sentiment. Valuation isn’t cheap, but it’s closer to infrastructure than hype. NFLX is a great company, but a lot of execution is already priced in. Subscriber growth is slowing and returns from here likely depend more on margin expansion than growth. HOOD has the most upside and risk. If retail participation keeps growing and rates eventually come down, it could do very well but it’s also the most sensitive to sentiment and regulation. If the goal is diversification + sleeping well, AVGO. If you want something different with upside, HOOD. NFLX feels more like “paying up for consistency.”
Honestly I was pretty VOO and chill til this year. I'd been following market news for several years, tries my hand at day trading, saw better returns on my set and forget funds, and sold everything and opted for almost 100% VOO for a couple years. Then in February I had clammy hands and decided to sell half of it and invested that in Rheinmetall AG and Rolls Royce. Sold half of them off and put it back in VOO. Proud of myself, I kept about 20% out to start day trading again. That has also proven fruitful, barely escaping the rare earth hype with over 50% gains in only a couple months. My savings accounts are huge, and I have as much money to day trade with as I did total at the start of the year. I haven't added anything from my paychecks since the end of January, and that extra cash every month has been great for the family. Now, with only about 5% gains on options since October, I'm debating putting it all back into VOO so we can chill. Maybe the president will gift us another skyrocketing VIX with clearcut signals, but I still chalk it up to dumb luck.
The perform very similarly, but VOO has performed slightly better.
I had been looking at some good dividend stocks also. I’m at a point rn where I’m sort of risk adverse but I’m motivated by a lot of people saying VOO and hold
>There is simply NO other COUNTRY or MARKET that even HOLDS a candle to what we have in USA. I say this as an immigrant. Thats why VOO trades at 28.4 PE and VXUS trades at 16.8. For the US to continue outperforming it needs more than just growing faster than other markets, that's already priced in. It would need to grow faster by a huge margin, bigger than the market expects.
Congrats to anyone who took their money out at the top and bought early enough to outperform VOO.
VOO and chill.... VTI and chill...
Well if we're being fair, only very recently. It has completely crushed VOO zooming out. Being intellectually honest means having falsifiable hypotheses, right? So would it be fair that your falsifiable hypothesis should be "VOO outperforms BTC over period X"?
And it doesn’t, unless you know when the end is and pull your stuff out. But you have to be a moron to take that risk when even VOO outperforms it
I’m 100% VOO. Not saying this as advice. But I do plan to just pile it all into VOO until retirement
It's never a good time to jump into anything. Use a long term plan instead. - Live below your means - Save as much as you can afford. - If your company matches 401K then max out on that. - Max out on a ROTH if you can afford it. - Put your money into VOO or some other broad based ETF. - A common plan is to keep your age as a percentage in low risk investments.
Personally I used to do more stock picking, and I got some large paper gains with Tesla, but I also had some bad picks which came crashing down in \~2021. At that time I sold the bad picks at a 25-30% loss and put that capital back into picks I had a stronger conviction with, and simply held. I stopped adding more money to individual stock picks and now I just do VOO and chill. At some point I just felt like I've taken enough risk and I need to think more about protecting my own future.
All good fam. Also, for the long term investment question, just VOO and chill. If you can, open an IRA for your son and that’ll give you some tax shelter. I’m not an expert but this is pretty standard advice, YMMV.
Open a Fidelity account. Put that in VOO. Setup a weekly buy of more VOO for whatever you can afford. Here is the hard part: sell only when you have an urgent expense to pay for. If you find yourself selling for other reasons, find a trustworthy pro to park it with, you can’t be trusted. That’s it. That’s all personal finance is: spend less, invest more, don’t panic sell.
Not really cause most VOO and Chill people are DCAing in a 401k and not even looking at it until retirement. Set and forget. The crash won’t mean shit in 20 years. I don’t even consider 401k investing per se. But if you’re talking gains, if you work for a company with a good match then actually your gains are way higher, I put just enough in to get the max employer match so that’s an immediate 100% gain plus whatever gains accumulate over time from the growth. That said yeah I’m up 133% for the year even with a recent correction in high beta stocks.
-8.52% mainly just some shares and an NVDA call at the top made some back on MRNA and VOO calls the day of JPows last rate cut. Owning BRK B and GOOG softened the blow somewhat as well.
VOO, VTI, and SPY are basically the same ETF. If I am index investing, I only buy VT. It's the most diversified index in one ETF. You can buy stocks in addition to VT. I'd be careful about picking too many individual stocks at first if you are in experienced. You really don't want to get clapped on stocks like what happened to retail in 2022. I get it everyone wants to get rich quick, but also consider the risk as well.
Sell the bags and buy VOO. Only garbage can go down 84% in a raging bull market
Oh yeah because we all own VOO shares
With 50k, I'd just go all in VOO. Maybe 5k for individual picks if you want the fun of it.