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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
This is solid advice. VOO's been my backbone for years now. The hard part is actually leaving it alone and not checking it every week when things dip.
VOO and dollar cost average whatever you’re comfortable with
VOO or VTI. If your feeling a little bit more risky then QQQM and SCHG
A lot of people do this, but your portfolio shouldn’t only be VOO
Okay, you should max your employer's match if they offer it. It's literally free money. I'd also recommend trying to hit the yearly contribution limit if possible ($31,000). Your 401k probably invests into either a target date or something like VINIX. I personally prefer VINIX/VOO over target date. If you have a HSA, a lot of those plans have backdoor investment options. If it helps keep your interest, still take 1-2% of income and do some stock picking. It just shouldn't be your nest egg.
It depends on your goals/portfolio strategy. VT is the whole world, but VXUS is the international market. I personally have VTI and VXUS to diversify my portfolio and because I believe in the US market + want international exposure. VOO grows slighly more than VTI because it kicks out the small/mid cap markets but I want those in my portfolio.
Is VOO offered through fidelity? I thought it was a vanguard product. Sorry I'm a beginner.
If you have emergency fund. If you will only sell for urgent expense. And if you plan to add auto weekly to that VOO on a platform like Fidelity that does fractionals. Absolutely. Everyone should learn with VOO and chill.
Fixed the AAPL ticker. Why VOO over VTI?
Appreciate your comment again. I want it to grow long term passively. Set it and forget it. Is VOO a good way to start? Would you put all of it into VOO?
Just buy VOO, don't make it any more complex than that.
My keep it simple portfolio for beginners is 50% TFLO, 33%VOO 15% gold however you prefer, 2% ibit Just buy the few things investors watch, and keep a healthy amount of bonds to be able to let the risky things cook longer.
Oh it is too much to learn with. You were supposed to learn on your way up to 100k. I don’t believe first time investors won’t panic sell 100k of VOO. You should have a Fidelity account. Buy VOO on an auto weekly basis. Work to increase that weekly. Only sell when you have something urgent to pay for. If you find yourself selling for other reasons: find and hire a trustworthy pro. All personal finance is the same: spend less than you earn. Have emergency fund. Have auto weekly investment with some portion of income. Only sell for urgent expenses. Do that forever. The hardest part is not panic selling. Everyone thinks it’s easier with time, but it’s not. The bigger the money, the bigger the emotions, the more costly the mistakes.
VT. International outperformed last year. Why limit your investment to one country with a fund like VTI/VOO?
I think risk tolerance is an interesting concept here. I understand it when you have invested into an individual stock that might crash and never recover. But I've never understood risk associated with an etf like VOO/VTI. The market will always come back since it's so diversified. I can't imagine panic selling VOO/VTI.
That's the only downside. Perhaps spread it out? 50% FXAIX 50% VOO (w/ Vangaurd)?
Current Price: $628.20 $1,000 gets you 1 share of VOO if your brokerage doesn't do fractional shares and 1.59184 shares of VOO if your brokerage does fractional shares. [Dividend Info](https://stockanalysis.com/etf/voo/dividend/) Annual Dividend: $7.07 per share Dividend Growth: 5.43% Assume 7% average annual stock appreciation [Dividend/Stock Calculator](https://www.marketbeat.com/dividends/calculator/) $1,000 turns into $3,998.80 after 18 years with dividends reinvested. [Inflation Calculation](https://www.in2013dollars.com/us/inflation/2026?endYear=2044&amount=1000&future_pct=0.03) Assume 3% average annual inflation rate $1,000 in 2026 = $1,702.43 in 2044 $2,348.87 in 2026 ≈ $3,998.80 in 2044 Who is this helping?
I am 40 and VOO and invest that much every year into VOO. But I’m just an internet person, not an advisor
VOO or VT. Just set it and forget it, and unless the world economy collapses, you’ll have quadrupled that money in 15-20 years. (And if the world economy collapses, you’re gonna have bigger problems to worry about.)
>When stock in VOO is purchased, the fund uses that money to invest in the actual companies that make up the find right? So the money will make its way to the individual companies itself right? This is not correct. You buy shares of VOO on the open market. You do not provide any money to Vanguard to purchase the underlying holdings. The way new shares are created are their are authorized participants who go out buy the underlying holdings and exchange them for shares of VOO in return. >Even though this is an additional 8 billion it won't make any impact? $8B is just not a lot of money in the grand scheme of the asset management industry. If such little money could move the market we would have big issues any time a large pension fund or wealth fund wanted to deploy capital.
I mean, in order of your questions: VOO isn't tied to the stocks under its wing, it's actually kinda the other way around these days. I would expect that this creates a higher floor in the stock market, at least in the medium term. Will it noticeably move the value of VOO? Maybe, but it's not like children are all born on the same day every year. Any increase you do see would probably be tiny, dispersed over a whole year. As for what this will mean for the economy? Probably bad long-term, because it's yet more spending that doesn't fix the long-term issues of the US citizen but instead pumps the stock market, because that's all we've known how to do since Reagan. I mean, it's the government subsidizing the stock market indefinitely, even more than it already does. That's not a good thing when the government is doing it via deficit spending. Also, point of order here, inflation will also mean that 1k will be less than it already is in time, so unless we're pegging the deposits to inflation, it'll also probably mean even less in ten years time.
When stock in VOO is purchased, the fund uses that money to invest in the actual companies that make up the find right? So the money will make its way to the individual companies itself right? Even though this is an additional 8 billion it won't make any impact?
>How will this impact the value of VOO since it isn't tied to the actual companies in the ETF? Where did you get that idea? $8B is essentially a rounding error for the US index fund industry. There are well over $10 Trillion in index assets. The impact will not be noticeable. VOO alone regularly takes in more than $20B in assets within a year.
Everyone gonna recite expense ratios and VOO without acknowledging real world results. In every single rolling 10 year period going back decades, American Growth beats the market. Capital Group is one of the very few active companies with legit research based results. Also this latest tech dominance is nothing new, it’s happened before and will end badly again. Thats why rolling periods matter more than shorter term view. OR…just pile into the Mag 7 SP500 and hope for the best. YMMV.
OP a hack since he doesn't realize Civ mechanics change from game to game as well as the difficulty/complexity thus the minimum level of autism needed to enjoy it. Civ 4 for example is a harder, grindy, and nuanced game for the giga-autists while many felt Civ 5 was dumbed down yet more friendly to newer players. >>The Venezuela lesson: invest in energy security NOT cheap supply - The incoming commodity bull run (uranium, rare earths, precious metals). >>TLDR: Geopolitical fragmentation turns uranium and rare earths into strategic assets; history shows these markets don’t reprice gradually - they reprice violently when supply security is questioned. In OP's case...... I'd say he's not Dan Quaryle tier, but he's Neville Chamberlain tier tops. The reason why I give him that grade? Because they fail to understand the basics: >Economic power underpins military power. Military power secures Political power. Political power shapes society alongside parallel branches of cultural/religious power/influence. While which power is superior is in a state of balance and flux. But usually it is political power slightly edging out economic power in most societies (until military power is needed/used. Or softer powers like cultural and religious power revolt). Uranium is a subset of energy. Energy is just a subset of Economic Power. And even then economic power not even the apex of it's own corner. >*When playing Civ, gambling at the WSB stock market casino, and winning in IRL. The goal is to accumulate power, land, wealth, and assets.* Most in WSB aren't at the level to worry about power when they can't even buy a house. They are basically at the lowest tier looking for assets to build wealth. That's why retards yolo 0DTEs in hopes of making enough to VOO and chill for life. So OP is fundamentally wrong in betting on non-productive commodities, the uranium thing makes 0 sense in relation to Venezuela besides OP shilling his positions as traditional energy would be the better play after such a move, rare earths aren't rare nor widely understood with little investment choices outside of China atm, and even if you were to bet commodities it should be specific like say: "gold for security"(you know like how you collect gold rather than dollars in CIV games) or "copper for reindustrialization/growth" rather than a blanket statement.
Thank you for the info. I am not a ROTH IRA participant due mostly to income restraints, but do have a SEP, traditional IRA, and 401-k. May see if I can convert some of my traditional tax deferred funds to a ROTH when I retire st the end of next year, close to age 70. I believe I will be able to between the age of 70-73 before I take my first RMD. I just bought my first batch of Muni bonds in my taxable brokerage via a muni ETF that is primarily high investment grade quality. I read it will provide me with a tax equivalency of ~5.5% in my current tax bracket (37%.) I am a co-owner of 3 manufacturing businesses and am expecting a LOI next week for an attractive sale offer next week. My daughter is 38 and I am guiding her through the ROTH investment process. She is a book-keeper with a law firm, but is not receiving any IRA or Healthcare benefits. So far, I have chosen SCHG for her ROTH and VOO for her taxable brokerage. I have suggested that she DCA the ~$40k she has in her taxable brokerage into VOO, but may suggest some SCHD too, since she is quite risk adverse as a new investor. Your comment gave me "food for thought" so thanks again!
AGTHX characteristics: benchmarks against SP500 but weights it a little differently. Looking at the last 5 years between VOO it correlates at about 0.96 (the 2 funds moves very closely in sync). So the question is “what’s the value of holding this verses a truly indexed funds?” I honestly don’t see any being honest….i mean I do have a tendency to spot on American funds…I think they are a relic of the past and tbh can’t get out of it. High fees while operating almost like index funds. - fees is where it kills your investment. AF charges 0.059% mgmt fee with a 0.024% 12b-1 fee. With everything else added in totals out to 0.059%. Then there’s that front load of 5.75% as a transaction fee. - so that eats into your returns for 20 years, just a basic calculation against the benchmark - gross return with out fees index vs fund: 11% vs 9.8%. Fund made $1,575 less per $1000 invested 20 years ago. - now with fees added in: fund made $2333 less per $1000 invested 20 years ago. - in percentage terms: you made 30% less than benchmark. 24% due to manager decisions and 9% due to higher fees (math don’t add up because the total also assumes index funds had some fees in too). So what I think could be better? If AGTHX just index SP500 with some special tilt which doesn’t really add value, then probably should just go with low fees index funds/ETFs.
I would divide your pile into 52 week chunks, invest one chunk per week into VOO.
You’re paying a 0.59% expense ratio with that fund. VOO is the same bucket of stocks with a 0.03% expense ratio.
Start with buying and holding shares. Preferably index funds like VTI or VOO (or equivalents) or individual companies where you can explain their business model. You can work your way up to paper trading from there.
I was only comparing VT to VOO/VTI, not to the well-diversified portfolio you described that includes international exposure and bonds. For example Vanguard recommends combining VTI and VXUS if you want flexibility. So splitting VT into separate ETFs is okay if you can manually manage international exposure.
Hello! 28M kinda new to investing, and I’m considering this allocation for my portfolio and would love all your feedback: -25% Global Equity Index Feeder Fund from a local bank (tracks VT) -25% Global EM Equity Index Feeder Fund from a local bank (tracks MSCI EM) -25% Local Bond Fund -25% Government-backed, tax-free investment with a 5-year lock-in and 5–7% annual dividend Additionally, I’m planning to contribute a bit each month to VOO Would really appreciate any thoughts or suggestions!
If you sell stock without having an urgent expense to pay for = panic selling. Learn to VOO and chill.
Stick it in VOO and it should be back to 100k in 10-14 years. What you need to do is come clean about your gambling problem.
TQQQ and QLD, at around 1% and 7%, respectively. 85% is VOO, SPMO and QQQM, with the remainder in SMH.
The SCHG and SCHD combined will get roughly the same return as VOO. The cash obviously will return less, the gold will probably return less and be more volatile, and the semiconductors who knows maybe you'll get lucky.
My only gripe is that VTI is weighted. It’s already heavy in s&p. If you’re buying VOO, then you need VO, and some kind of small cap etf. VTI is nice for the set it and forget it investor, even VT in that case cause you get everything in one ETF. If you’re an investor that tracks and pays close attention, a modular approach can do better. All depends on the investor and what their goals are and how much time they want to put into paying attention to the market. I like pizza and tacos. lol.
I agree 100% USA is risky, we don't know if the next 30-50 years during our investment careers if we will see the same returns (even though I highly think we will) so I don't agree with 100% VOO. I do hold about 20% international (VEU), 40% SP500, 5% small caps (RSCC), 5% mid caps (IWS), 20% AGG Bonds (Bloomberg U.S. Aggregate Bond Index) and 10% in the FTSE 3-Month US Treasury Bill Index, I always hold cash so I can invest 10% when the market corrects 20% like when Trump handed us a good deal with his tariffs (I call it Market reaction, not timing) for example, I deployed my 10% cash during that tariff tumble. Essentially I am 70/30 but will go to 80/20 if market gives me a 20% correction. Although my 70/30 may underperform VT and chill slightly, the less drawdown and ability to deploy cash at 20%+ corrections narrows the gap. We are pretty much neck and neck if you go back 15 years, and I have a lot of diversification to help ease the path to 1 million+ which is my goal, and the less severe drawdowns are such a huge differentiator, it helps to keep investing with confidence. But you do you, I am merely explaining my choice, not telling anyone to follow me.
2 years ago while I was starting to invest, I worked at a phone store, and I would take some of the customers' advice. crowdstrike,113% gain ASTS, 500% gain, but only invested like $200 PLTR, 200% gain uranium based stocks UEC and URNM, 25-90% gain AMC, 86% loss, but only invested $100 personally, I was interested in Nvidia and AMD, so I put most of my money there. about $5000 on just those 2. they are now worth about $11,000 (I sold some during a high, but I don't know how to check the amounts for those) only tips is the ones im sure people have heard before: diversify, and dollar cost averaging. and if you don't know what stocks to choose, just do ETFs like VOO or SPY.
Should have just put it in VOO. Stop trying to get rich quick.
What’s wrong with all of it in VOO?
VTI or VOO and chill my friend.
Selling an ITM put on platinum that had already gone up 130% in 2025 on a green day with the underlying rally 4% is beyond regarded. You are like really really dumb. Stop investing and stick to VOO
Been sitting on VXUS for years and it's been a solid addition to my portfolio alongside VOO. The international exposure helps smooth out some of the volatility when US markets get choppy
Put all of your disposable income into VOO (or whatever ETF you can get that tracks the S&P500) and retire when you're like 40.
>For the new year, I’m thinking of quitting day trading and sticking to steady ETFs and individual stocks that might be a better approach. Might be? It is hands down the better approach. It fucking boggles my mind that people don't do this already. Stick to boring ETFs (VOO) build it up to a large sum so that you can unlock the compound growth that will work for you while you eat, sleep, browse WSB or whatever. Once you have a large enough sum in ETFs, then section off a small portion (5% or less) of your money into a YOLO account and play only with that. Suddenly you have the best of both worlds, your ETFs are working quietly in the background, and the 5% play money is to satisfy that itch. Go read "The Psychology of Money" (Morgan Housel), it's a fantastic book, it'll change your views on how you approach money and investing.
Open a Roth IRA. Invest in Vanguard’s S&P 500 ETF ticket symbol VOO. Do this on a schedule. Example, if you want to invest $1,200, do $200 a month for six months. This is called dollar cost averaging. The purpose is to smooth out market volatility. So if market declines 10% over the next six months, you will be buying slowly on the way down. Do this until you have $20,000 invested. Then look at individual stocks. Next, join the American Association of Individual Investors. They have a great investment education website and model portfolios. Read “One Up on Wall Street” by Peter Lynch, a legendary investor. So set up a Roth for tax free investing, invest on a schedule into VOO, and learn about the stock market through AAII and Peter Lynch. Investing is best done as a steady, patient habit.
I guess Nvidia, rest of it is SCHG and VOO
You're relying too much on historical data. Past performance doesn't guarantee future outcomes, so diversification is the only "free lunch". VT is better than VOO/VTI because it has comparable expense ratio but significantly better diversification.
VOO. But only because it’s my only position
Please, for the love of all things holy, do NOT trade options on a margin account if you don’t know what you’re doing. My options account is cash only and I only keep what I’m willing to light on fire in it. When I make over a certain threshold, I pull that cash and throw it into VOO or some other ETF.
You wanna learn how to invest I would suggest downloading Yahoo finance and practicing there, do some paper trades and understand how things work within your budget. Treat it like actual money and loses. Try it for 6 months, while in your actual account park your money in VOO, QQQ..etc
I agree with this. Taxable I only have very long term buys like VOO and individuals that I don’t plan on selling. Roth, I’ll swing trade a bit since there’s no tax
IWF. It’s a little riskier than the other 65% which is VOO.
Having both a 401k and a Roth IRA at 31 already established is a strong foundation...platforms like Robinhood can be engaging but focusing the majority of investments on broad-market ETFs such as VOO or VTI is a much common strategy. for a smaller portion of the portfolio you can introduce individual stocks though they can introduce some risk buh may be acceptable at this stage. If you're without specific investments, ensuring diversification and low fees is generally better n by continuing to contribute consistently to these accounts can allow for long-term growth.
Short version you’re not doing anything wrong, but yeah you might be overthinking it a bit. 401k first. Even without the match, contributing 6% is fine. You’re learning the habit early which matters more than the exact return right now. The balance being lower than contributions just means the market dipped, totally normal especially over short timeframes. Nothing to panic about. Once the match kicks in, absolutely keep contributing at least enough to get the full match. Free money is free money. Walmart stock. This is where I’d be cautious. You already depend on Walmart for income. Putting too much money into your employer stock is concentration risk. If something bad happens to Walmart, you lose hours or a job and your stock drops at the same time. Not great. If you want to buy a small amount through the associate program just to learn and feel invested, fine. I would not max it. Keep it small enough that you forget about it. VOO plus a bit of NVDA is honestly a solid setup for someone your age. Simple beats clever most of the time. You don’t need more complexity. Now the boring but important part. Pharmacy school is expensive as hell. That 26k a year is real and future you will feel it. Having cash or a high yield savings buffer is not stupid at all. It gives you flexibility and less stress later. You don’t get bonus points for being fully invested while stressing about tuition.
📠 That's why I have been keeping it in an HYSA. But I might not flip another house for many years, so I'm gonna stash 50-100k in VOO, I think
VTIAX is VXUS in a mutual fund. There's also VTWAX which is VT in a mutual fund (65% VOO/35% VXUS). You can transact as much as you want in an IRA with no penalty. For simplicity sake I would probably sell everything and put it all in VTWAX. But you could also sell just the target date fund any whatever VTSAX is required and buy VTIAX till you hold 70% VTSAX/30% VTIAX. This assumes you want no bonds. There's nothing wrong with bonds and there's actually a good reason they put them in the target date funds. So 100% of the account in three 2050 target date fund is also good.
About 4%, plus another 2.5% that is mostly QLD. The rest is VOO, QQQM, SPMO, and several CEFs that have good long term (20+ years) track records.
Raw share price doesn't mean anything so don't worry about that. It would make more sense to buy VT than VOO.
But by no means am I an expert. Not even close to it. But I understand what stocks and mutual funds and ETFs are, and I understand what the S&P 500 is. I'm just trying to get an example of how stashing money in an SGOV would compare to HYSA or VOO, from someone's real life experience
I’m just investing in VOO from here on out
30,000ft view... VOO is and ETF of F500 companies with a lot more risk, tech goes up, great. Tech goes down, bad. You will pay capital gains on VOO. I'd read up on investing, so much to consider. There are so many resources now too.
Do yourself and all of us a favor by making a separate portfolio only invested in VOO so you learn your lesson
So how does this compare to VOO, which I assume I can sell at any time to get my cash. Is SGOV better overall because of the tax advantages?
Seems to be the answer. Or possibly VOO with a stop loss limit
That's where I'm keeping my flipping money now, in the VIO cornerstone account. Was looking for something slightly better. I'm thinking VOO with a stop loss limit
Most everybody has been recommending VOO for this particular situation, including my rich uncle lol gonna have to look into that some more. My IRA is heavy on S&P 500, but also balanced out by US bond index and a couple of high dividend tech funds
Based on the comments, just buy VOO at this point, lol.
VOO and chill + a time machine
Why intentionally lose $1.15? There is no need to create a taxable event just for the sake of it. Just leave it the way it is and only buy VOO if that's what you want to do.
Sort of newbie here, for my long term investing I was putting $500/mo into VOO the past few years. My question is since VOO is now trading at $626, what is the consensus on continuing to do that vs. selecting another, lower cost index fund? Meaning, would it make more sense to start buying something like VT or VTI to get more shares in something else, or would it be smarter to keep buying VOO if it continues to get pricier?
Brother. Semi conservative is 50% bonds and 50% VOO which would net like 6-7% on an average year. That would give him about 1.2 mil.
There are ETFs that hold actual metal. Then there are ETFs that invest in mining companies. Two different ways to invest in metals. For example, gold ETFs were up about 60% in 2025, while gold mining ETFs were up 150%ish. On the other hand, for five years they have about the same return. I personally choose XME. It's a huge fund with all kinds of miners that has been around 20 years and has 2.5x outperformed VOO the past ten years (not very good the decade before that). XME simplifies the very complex industry.
I didn't say 0 bonds until he's 50 - someone might have. But not me. But, I did say at 18 there's no reason to hold bonds. He should be buying and holding index funds like VOO and VTI and an international fund looking for long term growth.
Just full send it. Yeah it's a lump sum investment for the year, but in the grad scheme of things you're still DCA'ing kind of. For the record I just maxed my Roth contribution for 2026 and bought a much VOO as I could. I rarely check my Roth and I'm not touching it for 30+ years anyways.
Last few years have been ridiculously good for VOO. But yes I’m thinking about just allocating 100% of portfolio to VOO / some gold and forgetting about the portfolio. Stock picking seems way too hard
Have some fund,10-20%. Set to auto. Don’t panic sell. QQQM or VOO should be the majority of the auto weekly. If you don’t have an auto weekly for a good etf you shouldn’t be talking about stock picking. Just my two cents.
Jesus Christ my guy, that was a stupid move. You should read a few books: the richest man in Babylon, the simple path to wealth to start. If I’m being totally honest, you had an opportunity to get well ahead for yourself and your family financially. Instead, you basically went to the casino and gambled it on slots like a degenerate. Own that, take the rest, pay off your debts, throw the remainder in a broad based index fund like VOO, maybe some in QQQ. Keep adding more when you can. Don’t fucking touch it. Don’t touch options cause you’re an idiot, don’t know how they work, and might have the beginnings of a gambling addiction. Good luck.
Sell the FXAIX and put it into VOO. There’s no benefit to the overlap n it makes your portfolio much easier to manage.
Who remembers Webvan? Just buy VOO and take the 17% returns.
You could do the same with VTI honestly. I just personally believe everyone should start with the sp500. Buying into that weekly and not panic selling is the foundation where every other knowledge is built. If someone never progressed beyond VOO and chill, buy weekly, never panic sell, they would be fine in life. Anything that gets you to spend less and invest more auto = your friend. Anything that creates friction or obstacle to investing more auto = your enemy. Overthinking the asset allocation and portfolio strategy is an example of that friction in my opinion. Energy would be better spent increasing the weekly investment.
What’s better about VOO as compared to VTI? To me it seems the same in terms of the rate. I know VOO is more focused on the top of the S&P though.
At your age you can skip them. If you want emergency fund or large known expenses just use SGOV in a taxable account. It’s easier than hopping banks for HYSA. Use a Fidelity account to setup weekly auto buy of VOO. Sell only when you have an urgent expense to pay for. That is the foundation of everything. Set up auto. Don’t rely on self discipline. Work to increase that auto, don’t panic sell. That’s it. That’s really all anyone “needs to know”. There is a bunch more you will learn along the way. Roth. Budgeting. But it all is after the spend less, invest more, don’t panic sell basics. Best of luck!!
i could definitely see this as being the plan but i would like to learn more about the market and be able to invest in different companies on my own, i dont want to just throw all my money in VOO because yes of course 15% a year is good but id like to make more than that and do it on my own
VTI tracks the whole market while VOO is just the S&P 500 like you said. VOO and SPY are basically the same thing but VOO has lower fees so most people go with that. Can't really go wrong with any of the big ones tbh
Just put it into VOO and forget about it and you want to get technical with it you could look into books that cover Fundamental Analysis so you can do your own research into what companies to invest in
I mean…it kinda sorts itself into that category when you choose ETFs and mutual funds that perform the best in this climate. Look into VTX or VOO and see how much of what they invest in
You're 18 - forget about bonds as you have a long horizon. Throw everything you have now at VTI/VOO, and keep doing it consistently (this is the MOST IMPORTANT part. Go enjoy your young years and thank yourself later.
Trading on margin is dangerous. Slow and steady wins the race. VOO/ VTI will earn more over time.
You should use a Roth IRA in any case. Robinhood gives gold members a bonus on IRA contributions, which may be worth it depending on how much $ you're adding to the Roth. QQQM is not a stable ETF. It's not trading options, sure, but it's highly volatile relative to VT, etc. You might consider buying an equal weighted US index fund rather than VOO or the equivalent given the concentration at the top. No reason to buy bonds at your age and gold has run a lot. Commodities do look interesting. Good luck.