Reddit Posts
I don't want ETFs, I want to invest in stocks.
What’s the best way to start a new portfolio. 24yo
If you’re young, increase risk until you are 100% you’ll hit your goal!
What is the best argument against a large cap Growth ETF?
Roth IRA Allocation at 18 - Part 2: Revised portfolio After Feedback
List of most promising stocks to hold over the coming 6-12 months?
Alright I got roasted before and changed up my portfolio. How does it look now after rebalancing without heavily investing in anything in a while?
I Looked at My Portfolio Today and Saw THE DEVIL HIMSELF in My VOO
I Sold All My VOO for a Concentrated NVDA Bet. Should I Have Just Bought Options Instead?
Why I think Berkshire Hathaway is the best investment right now
No, the spacex ipo is not going to tank your 401k
Advantages of having a CFP (fiduciary) managed portfolio vs. Self directed (all index funds)?
Thoughts on my Portfolio in the late 30s
What do you think of the growth section of my portfolio?
Is it crazy to have 36 postions across my retirements?
The "bull case" for SpaceX: re-running the Tesla dilution playbook?
The "bull case" for SpaceX: re-running the Tesla dilution playbook?
I have mostly VOO portfolio. What would be a strategy to exclude exposure to AI companies?
Aggressive Roth IRA at 18 – What Would You Change?
Hypothetically if you were holding close to infinitely, would VOO or QQQ be the move?
For those investing in S&P 500 ETFs (VOO/SPY/IVV), how have your returns been?
VOO Becomes First ETF to Reach $1 Trillion AUM, also: VOO bounced exactly at 700 a couple of days ago but nobody noticed
Dividend Stocks in Your 20s Worth It or Just Stick With Growth?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
80k to invest + no debt how would you invest it?
Is anyone actually selling VOO or QQQ over Space X concerns?
$KIDZ - Will this take off?
Should I change from an Investment Account to a IRA?
What is the best strategy to allocate and optimize a 100K investment?
21 year old college student with $10k saved, what would you do in my spot?
Vote against S&P changing rules to fast track IPOs into the S&P 500 indexes(SPY, VOO) - (Deadline TOMORROW, May 28)
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
Do you keep growth stocks in retirement accounts and dividends in taxable?
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
If I want to generate the most money from my traditional & roth IRA accounts - where should I "park" it for the next 20 years?
MAG7 is outperforming all the hype stocks posted about constantly, why do people not learn, holds true for last 40+ years
Little less than 3 months in and I think I’m doing well
the s&p 500 vs equal weight spread just hit 13.8%. it's only been this wide twice before
Anyone here actually outperforming just buying VOO long-term after taxes, stress, and time?
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
Mentions
You have a whole lot more than a lot of other people. Just get out now and hold VOO. You keep down this path and this will be $0. Trust me, $400k is a lot better now than $0k
Your biggest advantage is time, you still young. You can gradually return to the market by invest weekly if you are afraid to buy at ATH. You can't time the market. Since 2023, I experiment with weekly buy VOO, SPMO etc regardless the market condition, my VOO is up 38% and 45% respectively. I also buy more shares each time market drop by a few %.
Yup. Time to DCA into VOO until retirement. Let someone else be the regard.
[IllllIIlIllIllllIlll](https://www.reddit.com/user/IllllIIlIllIllllIlll/): Actually, VT and VOO had similar returns over a long time. Almost all the outperform comes from the last decade. You: Nah, VOO will yield more returns because that is what it did in the past (last 10 years, LOL). All of you don't really think, do you? Maybe you get lucky and VOO outperforms, but there is nothing supporting it other than recency bias. Like another commenter in this post said: One beautiful day Nvidia and SpaceX will be 90% of global market cap I would not be on that. Even if it happened, that doesn't seem like a good future.
Live and learn. You're still very young so this is just going to be a blip on the longer term timeframe. What's important now is to look forward and formulate an investment strategy. Nobody knows what is going to happen, but even the most powerful bull markets have pullbacks and corrections. My suggestion would be to start dollar cost averaging into broad index funds like VOO, or if you want to take more risk, put some in VGT or similar technology/growth fund. Invest the same amount at regular intervals, slowly getting back into the market. If we do have a 10% correction or a 20% cyclical bear market (certainly possible) then you can consider a lump sum investment, but don't do it while the market is falling. Wait for stabilization. While it feels now like you "missed the boat" since your timeframe is decades, you really did not miss anything. Relax and start DCA and you'll be fine.
Hi everyone, I am 32y/o, live in the United States. I am employed, 62k pre-tax/annually My goals are for retirement, but taxable brokerage account for retirement + possible home/car purchases in the future. No strict time horizon, maybe 5-15 years for taxable brokerage account. Risk tolerance is med-high for taxable brokerage account, low-med for roth IRA. Plan to invest max roth IRA annually, plan to invest 10-20k into taxable brokerage account (at the beginning and will do small deposits throughout the year, I don't make much right now). No debt. Brand new to investing, currently no stock holdings. \------------------------------------------------------- I am aiming for a few things through fidelity: \- Roth IRA \- Taxable brokerage account For Roth IRA: I will max annually. Have narrowed down to FSKAX, and currently debating the weighting. Open to 100% FSKAX, but also 80-90% FSKAX and 10-20% FTIHX. I was wondering if you guys recommend doing a lumpsum of $7,500 for this year, and then monthly deposits from next year on? For 401k: Starting a new medical residency this fall, don't remember the 401k details right now but I think they match between 2-10%. For HYSA: Still shopping for one, but also considering CD due to fluctuations of APYs. Emergency fund will likely remain in my bank's MMA (\~2.0%). \*\*For taxable brokerage account\*\*: This is where I could really use some advice. I am aiming for a breakdown of -> 35% VOO/30% SCHD/20% QQQM/10% SMH/5% VXUS. I am open to a lot of advice, I haven't bit the bullet in any element of this plan yet, aside from opening a roth IRA account. Apologies if there are silly plans above, I am completely new to everything as I mentioned earlier. Super grateful in advance for any advice/guidance. Thank you!
It may feel like it's all over right now. I promise you it's not. I am 32 working for $25 an hour and my 401k is only 12.2k right now contributing 12% per check. I only started last year, but I'm very optimistic that I can make it to retirement with a few million. You can do it, but I'd recommend to stay away from betting on the stock market and keep it slow and steady with something like VOO or another S&P 500 fund. Volatility is going to swing you around back and forth mentally and never give you a moment of peace. Keep it simple and enjoy your life while it grows. You don't have to impress anybody either. You got this.
There have not been many dips? What are you talking about it lol. VOO and chill dude. Built a large stack of cash that you can dump in if it does crash but outside of that your time horizon is huge, why even worry about it?
OK so after losing 1/7th of my port (some of that was unrealized gains from greed) and stagnating my portfolio for over a month while the market rips trying to day trade, Ive now crafted a portfolio consisting of mostly nvidia, amazon, rocketlab, MDA, dram, soxx, VOO and im closing the app for a while
Why not both? I split VT/VOO 70/30 at the moment. Probably going to keep the split but put more of my overall portfolio into them
Probably so, the 2010s it performed horrible tho compared to VOO & VOOG. Not sure if that will continue
Dude, just buy VOO or VTI and don’t look at it for 10 years.
Do you hold other funds like VOO?
Academically I’d argue VT, international allocation important, past returns do not indicate future results, etc but personally find jf hard to stomach so I do VOO and VXUS with lighter international but you’re probably fine either way.
You mean VOO. VT is getting SPCX allocation immediately. S&P500 will wait until it can meet the 1 year profitability requirement. At earliest summer 2027. Meanwhile VOO is heavily concentrated in GOOG/GOOGL/BRK/BAC. GOOG/BAC who bought into SPCX at a way lower price pre-pandemic. BRK who has shares in GOOG/BAC. Then JPM/BLK/GS/MS who will make money off the SPCX ipo. The real winners are those dumping the bags or making money as the middle men.
They aren't wrong though. SpaceX isn't in the VOO. SpaceX is only 4% float meanwhile JPM is 99.68%. A speculative/unprofitable space stock going under might mean $2T of "magic" value gets wiped out from PE but JPM is 900B that's actually held by investors and institutions while JPM itself is a core part of the economy. It's the same way how trillions can get wiped out in crypto NFTs or shit coins, bitcoin/eth can have trillions wiped out, and/or FTX/Terra-Luna can go under ***BUT*** it means little to the regular American or the larger economy. Compare that to SVB blowup or the yen carry trade reversal which were pretty small but needed IMMEDIATE intervention.
I don’t know what you invest in but just stick with an ETF like VOO, I’ve been getting +13% a year for the last 5 years…
this is solid advice but the VOO part is doing a lot of heavy lifting when the guy clearly can't stop himself from touching the money
Why is it that people don't want a simple life? "VOO and chill" means never check again
Maybe your dad is right. The stock market today feels a lot like the real estate market in 2006/2007. Most people knew real estate was going to crash but we didn't when exactly; and people had fear of missing out. Put some of your money in stocks, but in an area which is diversified like VOO + international.
AMZN is one of the most heavily weighted stocks in VOO (\~4%) so for a beginner, no need to own that separately.
Time in the market beats timing the market. Just slowly put money in. Don't over commit. Diversify what you invest in. ETF's will help diversity of investments. Like VXUS and VOO are both suitable broad investments that don't really overlap. Take some time to read and learn.
100% - March of this year VOO was back down to around where it was in August 2025. If you didn’t buy back in, then when will you? If you couldn’t hold in 2025 how are you going to buy if markets drop 25%?
Dude your post history is scary as fuck. Reconnect with nature or smt then start a path of redemption with zero gambling VOO and chill. You’ll be fine. Strength and honour brother
At 30 you can literally just max an IRA in VOO each year and be set for retirement
VOO and QQQM are made for 30 year olds...
You're not even 30. 20k at your age doesn't matter. Especially living with your parents, that's like a few months of work even with a median wage job. I think I had 10k for the first them when I was 30. I crossed 1 million when I was 38. No options, no margin, just having a good paying job, getting married with a woman who also had a good job, then bought a house precovid and bought and held stocks plus maxing out 401ks into VOO
Can you explain why VOO? For someone who just started looking into stocks again.
My fellow apes, I need some help. I don't have it in me to gamble with leverage. I'm a blue collar monkey who's way too exhausted to know what's what anymore. I hardly have time for research, and I don't even know what to research anymore. I was here for the GameStop debauchery but have long since stepped away from trading. Nowadays I have a good job, some actual savings, but I'm so far out of the loop I don't know where to start. I put 80% of my savings into VOO with automatic buys every payday, and I'm gonna leave that be. But for the other 20% I'm okay with some risk. Where do I start, and what information do you guys use to influence your decisions?
Or just VOO & forget about it
Ignore these other nerds saying VOO and go SPYM. Same thing, lower expense ratio.
I’m new to investing even though I’m 55 years old, but this question shocked me and I hope it’s ragebait on their behalf. If not hope it all works out 👍 Now for me, I’m currently dealing with cash savings of about 300,000 that was in the bank (stupid I know) I have thus far put most of that into SGOV and bought little entry point on VOO and small amount of Google as my high conviction stock for the long run. I’m having the hardest time understanding how to enter this market. I thought I could wait for dips. Dips never happen lol should’ve learned what I read about time in the market now I’ve seen frozen any suggestions as we sit on the high again? I was going to invest in VOO about to 55% 20% QQQM 10% VXUS (international) and 10% SCHD and 5% Google. For Roth a 70/30 VOO/QQQM Outside of the above, I have 401(k) that slowly reached about 330 K. Just for overall understanding as well as as 80k still in my savings as immediate use emergency which I know it could be smaller. Any help would be appreciated.
When you get it back.... just put it in VOO bro.
Yeah, I thought Your post was interesting. It was nice to read something different from the usual stuff you see here. Unfortunately, it probably won't be very popular with the majority of people here. 😅 But I wish people were into discussing ideas like this more often. I think the sub would be a lot more engaging. I'm personally not a fan of the the one size fits all financial advice regurgitated on this sub day in and day out. I agree that if a novice investor is asking for advice on a forum, the S&P 500 is likely a good place to start. But hardly anyone bothers to ask the personal questions necessary to give solid financial advice. They just tell everyone the exact same thing. I'm so sick of seeing "Just sell everything and buy VOO," when the person just has a few ETFs and a handful of decent stocks that fit into a secular trend. They act like it's no different than going to the roulette table and betting it all on red! 😂 And I don't agree with the hateful treatment of others who advocate taking control of your own investments. Index funds are great for a lot of people but other investment products and derivatives exist for people who understand them and wish to use them. Regarding the diversification, you're probably right. The biggest risk is a gap down overnight, but it's highly unlikely the world's largest mega cap would lose a significant amount overnight without the rest of the market doing the same. It's only happened once that I know of (Apple in 2013) and that was only like 12%. The out performance over time significantly outweighs that. I think you have the right outlook. It's just intimidating for most people, myself included, to imagine putting everything in one company, especially in today's markets with algo bots constantly scanning headlines and reacting. Investing is a personal journey so how diversified you want to be, how much risk you want to take, how much volatility you're comfortable with, and what sort of returns you aim for are all personal choices. Some people are at a point in life where they're still trying to grow their wealth and others are trying to preserve their wealth. Some are trying to do a little of both. In my opinion, as long as your returns aren't negative over time and you're outpacing inflation then you're not really doing anything wrong.
I know this isn’t what you’re asking, but a much much more valuable lesson especially at that young age is the lesson of boring index funds with compounding interest. Buy a fractional share of VOO and have him contribute a little every month. He’ll be amazed how much he has in that account by the time he’s 25 yrs old
I am very in tune with the nuances of decumulation lol. I am also super versed in deceased transition and can tell you many die having never spent anywhere near all that retirement account money. So all that meticulous inflation protection would likely be better served in VOO and chill. If only there were people out there who help folks with financial planning? Lol all good my man. You will figure it out. Best of luck!!
Just stick to investing in an ETF, like you said you dont have it, let someone else do it. buy VOO and mind your business. Look away. But yes to what he said. Those are rookie numbers. And you are 30. so young. Also, I'd say to stop gambling.
You're bro. Go do boomer shit and you'll be fine. VOO and chill. If you really don't comeback here. Good stuff.
Life advice: come to WSB for the memes and to laugh, not to make life changing investment decisions. It's just $$ and you are still young. No reason to be rash. Grind now to get a job, then a better job, put 10-15% away when you can, emergency fund/savings first, then put the rest in VOO or some other index fund and let DCA/compounding so it's thing. Remember most of the folks on here have F around money or are just full of sh#t. And those with F around $ got it many different ways, much of it is grinding and working their ass off (and some are just lucky). Grind, take care of the mental health, make a plan, and go get it. Good luck.
Lol dude I'm a millennial. 95% of my NW is in VOO/VTI. You're the one is WSB trying to have a balanced discussion. You should feel silly. This is where people buy 0DTEs and talk crap.
I think VT is fine. It really depends on what you think the world will do vs US in the next 30 years. Not very easy to predict! If you really want VOO then you can do 50% VOO 50% VT with future contributions.
Sold NVDA for profit at 200. Bought again at 220. It'll cross 220 again. Just sit on it. Selling VOO to get into NVDA is next level stupid. (Btw that's what I did too).
VOO vs VOOG is what you should be thinking. I would take VOOG.
$1.7m going VOO and chill for me. Would never risk my retirement on such a clearly horrible stock.
I think AVLV is a good hedge if you have riskier funds such as SMH or SOXX, not broad based funds such as VT or VOO.
Company got bought out and is no longer using the current 401k provider. I decided to rollover my 401k balance to a traditional IRA. It's about $30k Trying to figure out the best way to diversify the funds (as well as continue to contribute to the same diversification) What plan seems better (or any other suggestions)? Option A: 70% VTI 20% VXUS 10% QQQ Option B: 80% VTI 20% VXUS Option C: 70% VTI 20% VXUS 10% bonds Some other funds I have in my brokerage account is SCHD and VOO. Pretty new to investing, so these may not even be the best options. If you have other suggestions, please let me know.
If you’re asking this question the thing you need to do is sell it and buy VOO with the proceeds. Nice tax loss harvest.
generational rotation out of SPY / VOO and into SPCX
It weathered 2020 better than VOO and the S&P did. Fall 2022 it was still better. It only came down to meet VOO in May 2023 but then climbed away from it rapidly. In the past 3 years it has been head and shoulders above VOO. Using backtesting portfolio visualizer, investing 10k in Dec 2016 in both VOO and SPMO, no additional investing, no rebalancing, you'd have 39,073 in the S&P, 39,397 in VOO, and 61,656 in SPMO. [Let's see if this link works right, trying to share the chart](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=4mrzguxKAEZ8LAL09jrbuk)
if I remember correctly, VOO isn't even going to add spacex yet. some etfs like QQQ have a sub 1% share, so you may see some gains/losses
u can wright looses off gains so sell then pay VOO taxes then buy it back
200 a week is more than you need to max out your roth ira every year. They say “VOO and chill” for a reason itll save you a lot of stress and probably your hair. Recurring deposit weekly and dont look at it til youre 50
VT is well diversified, but VOO will outperform VT long term as it already has in the past. It really comes down to; do you want more diversification with VT or higher long term returns with VOO. I think most would choose higher returns and choose VOO.
only VOO. Teach them that stock picking doesn't work.
Got $20, should I just put it in VOO? or get lunch? lol
So I’m a VXUS holder as a smaller position to my VOO. Thing is historically when the US has a crash it’s taken down the world markets as well. So I don’t look at VXUS to hedge against a US bubble crash, but just for some more diversification.
Here is what I would do: **10 Years left for Retirement** - 50% VOO - 35% VGT - 15% SMH Rebalance every year **20 Years left for Retirement** - 30% VOO - 45% VGT - 25% SMH Rebalance every year **40 Years left for Retirement** - 80% VGT - 20% SMH Rebalance every year Yes, there is significant overlap … but that should not matter. I am fully aware there is significant overlap between these funds, but I’ve decided that doesn't really matter for my goals. Curious to hear what you guys think—am I being too aggressive with the sector tilt, or does this structure make sense for a long-term growth play?
I never think it’s wise to be all in on one stock for any reason, so I would recommend you get back into VOO. DYOR. NFA
I just started my Roth at the beginning of the year, so I did similar with $14.5k at $166. I'm currently up $4.1K. Going to set my stop lose at $200 and see what it does. I'll move it up if it keeps rising. I plan to sell all after the 15 days NASDAQ 100/ other ETF launch. Then it will go right back into VOO and VTI.
Enjoy mid returns broski, Micron made me more money in < 1 year than VOO did in 5+
I've beaten VOO countless times just to get humbled with a punch to gut. Keep it up but there's a reason it's a standard for long term investment not short term. Try to beat SPHQ instead
As a canadian as well.. VTI/VOO which one would be better? I won't be touching the money for 25+ years, roughly 50-60k.
I have 45% VOO, 10% AVDV, 10% AVUV, and 15% VXUS right now, plus a tiny bit of QQQ
For a late starter, you need better growth. Therefore, go with VOO. You can always allocate 20% to VXUS for international exposure. Example: 80% VOO and 20% VXUS. Keep this allocation from 36 until 56 years old. Don't change and keep investing as long as you are employed.
I’ve never seen such discrepancy between S&P vs SPY, VOO, etc
Lowest expense ratio general market index fund. Your brokerage should offer an in house equivalent with really low expenses (VTI/VOO for vanguard, FXIAX for fidelity).
VT is very good, but if you decide to move to VOO then add VXUS. That being said, VT = VOO + VXUS. The difference is that you get to manage the percentage of market mix.
This is the value premium. If you're buying VOO you're feeding into it, if you buy EUSA you're negative momentum and that will help avoid a car crash.
Yeah... I'll just catch this one when it inevitably becomes a VOO holding.
VOO will market match. But that's about all it'll do. It's long-term, slow growth, but more resistant to crashes. Maybe. It still took a few nose dives with me with the rest of the economy in the past 5+ years. It's safe. It's tame. If you're starting a little later, it can work, but I would suggest maybe looking at one or two slightly more agressive choices. I have VOO/VTI for many years. I just wasn't seeing the growth I wanted, also having started late. After a long delay of not wanting to deal with it, I finally was trying to take some numbers to a friend who wanted some casual suggestions about how to get started. Now I would suggest SPMO instead of VOO. Instead of VOO/VTI, I'd suggest SPMO/VGT in anything from 60/40 to 90/10 ratios.
>The portfolio is made up of around 30 to 40 individual stocks, multiple ETFs, some active management, and the annuity inside the inherited IRA. You could definitely simply by going all ETFs. Owning individual stocks is higher risk than owning ETFs that own that stock. And as you enter retirement, assuming you have enough, you generally want to pursue lower risk strategies. >The portfolio is made up of around 30 to 40 individual stocks, multiple ETFs, some active management, and the annuity inside the inherited IRA. First question I would ask is, What has been the annual rate of return on your portfolio? Look at it at a year-by-year basis. Then compare it to an [S&P 500 index (VOO) returns by year table on this page](https://www.slickcharts.com/symbol/VOO/returns). The S&P 500 is considered the gold standard for comparison. Would you have done better to have fired the advisors 14 years ago and simply put everything into VOO? Or did the advisors actually beat VOO? If the advisors have beat VOO consistently, and by enough to make it worth your while, then stay with the advisors. If they haven't beaten VOO, well... you know what to do. >If the portfolio were simplified into broad index ETFs like that, would 1.86% still be considered reasonable? The point of ETFs is to give you low cost diversity and growth, so no, paying an advisor just to be in ETFs long term would be pointless.
What kind of ass-backward reasoning is that lol. Obviously with VOO you won't underperform the S&P 500 because that's literally the index it tracks. I don't see why that's at all relevant. VT "historically" does not underperform. History did not start in 2010. Historically, VT and SPY have had very similar returns and risk-adjusted returns. [https://i.imgur.com/TnwIXTP.png](https://i.imgur.com/TnwIXTP.png) It's only since 2010 that VOO started overperforming, just like from 1993 to 2001 it was also overperforming, and guess what happened next. The longer VOO overperforms VT, the more likely it is that it will stop overperforming. If VOO was constantly outperforming VT, it would mean that eventually the US stock market would be 99.9% of the world's economy, which will obviously not happen.
VOO is highly likely to outperform VT over the longer term.
I obviously just don’t do VOO and chill… I started with options and that’s why I was losing my first 7 years. Now I do day trades/swings on stocks only as I said in the post.
Buffet is retired. If he would have said that then it was probably before VOO existed.
I would go with VOO because at least you'll know you wont underperform the sp500 index. With VT, historically long term it underperformers due to the high percentage of international. The one plus of VT is thats its more diversified but could also mean lower returns.
I did this for my Roth the first year I started to contribute to it. Just $250/week into VOO. Now I just do it per paycheck instead ( every two weeks) and double the amount but same concept and into VT instead for reasons. It’s boring, but it works.
It’s like any other overvalued stock that people own through index funds. Unless you own QQQ, it will be a minuscule, insignificant %. And those who invest in VOO or similar funds won’t own any SpaceX.
The vast majority of your portfolio should be boo. It’s very difficult for the individual investor to beat market averages with individual stocks. Without knowing your entirely situation, VOO.
Notice how everyone’s saying VOO? That’s all you need to know. And for some personal sprinkle, add VT and you’re set.
I’m a large majority in S & P 500 (VOO). I love meeting a person with similar age and net worth!
Most people here are saying play it safe and do VOO chill. If you have decades ahead of you, I say assume a little risk and allocate some to something like semiconductors and technology like SOXX and VGT. If you get a 500 ETF too, yes you are double dipping. If you go the safe route, expect to just follow the market. With sector ETFs, you can take some safer risks and make up for lost time. If you have a 401k or Roth IRA, there's no tax event for selling so you can go crazy with SOXX, exit back to VOO if you feel like it.
Nope I've been long VOO for over 15 years. Other than not having children, putting all of my savings in VOO has been the smartest financial decision I've made.
Spacex will be included in. S&P 500 in a year. VTI, VOO and chill won't work anymore once the house of cards falls someone will have to hold the bag
yow starting at 36 doesnt mean you need to ditch VT for VOO, since total global diversification is still an awesome strategy. so stick with VT for a worry free setup, and only switch to VOO if you want to bet solely on big U.S. tech companies.
225 VOO 25 IAU (gold) Call me crazy.
Ah ok. Personally, I don’t put mutual funds into taxable accounts - if they ever distribute capital gains, it’s much less tax efficient than ETFs. I’d have FXAIX in Roth, and if you want S&P 500 in taxable also, VOO is a good low-cost option. If you want to have a bit of Semiconductor exposure, SMH has been an absolute monster - since it’s sector-specific, though, I’d limit it to max about 5-10% of your total portfolio.
However you want to do it. So long as your money is going into VOO or ETFs that are extremely similar to VOO as there are a couple to pick from.
I don’t have a 401(k) because I’m self-employed. I maxed out my Roth IRA and invested all of it in VOO (I also recently opened my Roth IRA this year). Now, I’m considering investing $250 a week into my taxable account, but I’m not sure what to invest in.
How does a noob figure out which tickers /indexes to look out for? Ex: VOO vs VTI?
Everyone in here is about to hand you a ticker, and that's the smaller decision. $250 a week is roughly 13k a year, and whether it goes into a Roth or your 401k versus a plain brokerage swings your end number way more than VOO vs VTI ever could. Fill the tax-advantaged space first, the fund inside it is almost an afterthought next to that.
Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!
During Covid I sold some of my VOO and QQQ and instantly bought SSO, SPXL, QLD and TQQQ. Rode it way up and way down into the bear of 2022 which was a gut-wrenching ride. I bought more in Dec 2022 and have’t looked back. This isn’t for the risk averse for sure. But it can be a roadmap for anyone to deal with dramatic downturns. I’d just recommend selling the leveraged etfs once you’ve recovered if you can’t sleep at night taking that much risk (SOXL was another great one bought during the tariff tumult surrounding liberation day, currently up 14x)
FXAIX costs 0.73% a year while VOO is 0.03%. Huge difference.
These retards don’t know how ETFs work. I can’t believe there’s people worried about Space-X being part of their boring ass 401k funds. This shit could go to negative $100 per share and VOO would go down 0.25%.