Reddit Posts
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
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?
Mentions
That looks wild just VOO and chill enjoy the World Cup
Sold all my stock assets for a down in late 2020. House is about break even nearly 6 years in. If I had let it ride on VOO would have over doubled my investment. But ya know, I can hang art on my walls.
Yup. I've had a couple moon shots (Intel most notably, up ~500% or more currently), and Hood I just sold for a ~45% gain. I'm slowly selling stuff thts up 20% or more and moving that money to VOO. I do have a decent SGOV/GOVT balance though as well.
VOO/SPY have been meme stocks for a while now. A massive portion of the us population are permabull without even knowing it due to retirement accounts. And plenty others buy it in their taxable account at every opportunity and refuse to buy anything else.
VOO & Freak the Fuck Out — Warren Buffet
The fact that their PE is almost half of Walmart with their main growth drivers up dozens of percent with over half a trillion in legally locked in backlog id say its about as safe as it gets. Half the PE of QQQ and even lower than VOO with better profit growth. Maybe you can say buying at 500 was strained but the 350 range is very much a bargain.
I’m about to start investing significantly more and looking for any tips. I’ve been putting almost all my extra income into paying off my mortgage as fast as possible, but want to increase my contributions towards investing. Loan rate = 6.125% and I’m hoping I can do better than that with a few etfs. I’ve been doing about $100 per month for less than a year. Would like to increase to $500 per month. I don’t really know what I’m doing, but plan on avoiding stocks (have VOO, QQQ, SCHD) and just making consistent contributions without panic selling. Is having just those few for example relatively safe? What picks do y’all have? Have you observed >6% growth from those over extended periods (want some assurance this is a smart plan rather than putting all my extra income into the guaranteed rate I pay on mortgage)? I’ve only got like 6 months and $600 history, but estimated growth is already VOO 6.3%, SCHD 12.0%, and QQQ 14.0%. I’ve kinda just randomly contributed so perhaps I accidentally timed a couple of those well idk, but 6 months history is a good sign so far and hoping y’all actually see high rates over longer periods.
If you moved all your VOO into WEN it would’ve gone up
Anyone know why Spy closed today down .72%, VOO finished down -.52 but SPX was down only .05%.
Why did VOO crash then immediately rebound AH? wtf is this market
It’s a gift …… load up on VOO/SMH and Bitcoin
Ur long on those? I’m buying the dip on them right now but I’ve been bagholding NBIS MRVL INTC VOO what do u think of those
Very simple, you ride the waves and get your gains in the short term. You use that profit to buy the index for the long term. https://imgur.com/a/qUjoHGK All of the net profit goes back to SPY/VOO.
Leave this sub and VOO and chill.
Wrong sub head to boggleheads however I would suggest you to invest in low cost ETF like VTI/VOO 800$ free spending is a lot but it’ll do wonders if you invest all in.
Don't panic over this its just a classic dividend mirage. VOO went ex-dividend yesterday meaning its share price automatically dropped by the cash amount of its quarterly payout (around $1.96). The regular S&P 500 index doesn't factor in dividends, which creates that temporary gap. You didn't lose anything...that missing 0.36% is just heading to your brokerage account 😄 link to the news - [https://www.moomoo.com/news/post/71990815/vanguard-s-p-500-etf-to-go-ex-dividend-on?level=1&data\_ticket=1782484958505587](https://www.moomoo.com/news/post/71990815/vanguard-s-p-500-etf-to-go-ex-dividend-on?level=1&data_ticket=1782484958505587)
It sounds like you should just buy VOO and stop looking at your app.
You’re gambling, and you got lucky. Trust me, the market is so random that it doesn't give a fuck about data or anything; sometimes it reacts, sometimes not, which is gambling. Put all that money in VOO and chill
Can’t make this shit up. Down 15% on $NOW. Decided to sell $NOW to go into $VOO yesterday to sleep better at night. Today $NOW up 4%, $VOO down 1%.
Already bought VOO, VT, SCHD and DRAM premarket.
MODs we have VOO guy for ban list
3k is nothing when VOO is printing 41k for you though, just let the winners ride. BULL and PLTR holding you back but at least the index fund thesis is working.
You're in a good position. Since you're just starting, I'd keep it simple. * Keep your emergency fund intact. * Make broad-market ETFs the core of your portfolio. * Don't worry too much about the overlap between VOO and big tech stocks....just avoid adding too many more individual tech names. * If you enjoy picking stocks, limit them to 10–20% of your portfolio. * If you're investing for the long term, lump sum investing has historically outperformed DCA on average, but DCA is fine if it helps you stay consistent. The most important thing isn't finding the perfect ETF.....it's investing regularly and staying diversified over time.
Having money is stressful when you can’t just VOO & chill
Some WSB classic favorites are at or near YTD lows.... SLV, ASTS, RKLB, BKSY, PL, ONDS, AMPX, UMAC, RCAT, etc etc etc Also mag7 are down bigly, which makes up like 40% of SP500. What does it mean and why aren't the indexes tanking, what the fuck is actually up besides chips? Fucking FedEx? FedEx and Fastenal and Micron are holding up VOO? Maybe a few healthcares?
If you already feel overwhelmed, that usually means simplify, not add more tickers. QQQ would mostly double down on the same tech concentration you are already worried about. If it were me, I would stop adding individual stocks for now, keep the ones you already own, and direct new money into a broad core like VOO or VTI plus VXUS if you want international exposure.
Basis points are the same as the expense ratio. You'll also hear it when talking about interest rates. Fifty basis points is half a percent. An expense ratio measures how much you'll pay over the course of a year to own a fund, expressed as a percentage of your investments. An expense ratio is calculated by dividing a fund's operating expenses by its net assets. For example, if you have $5,000 invested in an ETF with an expense ratio of .04%, you'll pay the fund $2 annually. The expense ratio for VOO is 0.03% VXUS is 0.05%. You have to decide for yourself what's too much. Many active and theme based ETFs range higher, like 0.20 to 0.80 and more. A very broad index may have lower returns because your money is spread out over many more companies with varying performance. But those same indexes usually have expense ratios under 0.10%. Broad indexes like VOO and VXUS are easy because they include almost everything worth considering and you don't have to think about whether a sector is going up or down. Many who have been investing for ten years or more find that they cannot pick individual stocks successfully and consistently so they go to ETFs or mutual funds.
We’ve all heard the advice “VOO and chill”, but why not the levered SSO and chill? If I’m holding it in a retirement account for 20-30 years, the likelihood that the market will be down over that long of a horizon is minimal. So why not? Is me dumb?
Literally bro I woulda lost maybe 20-30k of that 216k and quit for life lmao. Just fucking accepted that i got lucky and VOO that shit into retirement
Congrats on having the YOLO to do it. I wanted to put everything into semis but only invested 30%. Glad it worked out for you. Make sure you learn to take profits and then get setup for the long term ETFs like VOO.
Could of just put 100k in qqq 100k in VOO and just relaxed lol
What do I do with this information haha. Guess that's what we all trying to figure out. Markets, stocks and information all way faster. So invest and switch stocks/sectors/strategies faster, I guess. Or VOO and chill for some, still.
Ok, but how many people just have their 401k contributions go into an SP500 ETF like SPY or VOO or whatever their 401k managing company offers? That's what mine does. How many people actually send a weekly or bi-weekly check to some hedge fund manager to put into something other than the SP500?
Congrats. Now quit, buy VOO and fuck off for 30 years before you give it all back
The relative valuation point is fair. Against QQQ and VOO composition MSFT does look reasonable rather than expensive. Context matters. And the Berkshire GOOG thing is genuinely ironic. Ted and Todd made that call, not Warren, but Berkshire’s name is on it either way. The old man built a machine that outlived his own rules which is either the ultimate success or the ultimate irony depending on how you look at it.
True and you make valid points. I agree but when compared to QQQ and VOO P/E's it suddenly looks very cheap. Plus, Berkshire is all in on GOOG at the top now ironically, yes I know it wasn't his decision and he's out of the company now but still pretty ironic.
Over the past 15 years, VOOG still increased significantly more than VOO.
>youre not accounting for dividends Thanks for this. I just checked and VOO pays 0.6% more in dividends. Compounded over 5 years, it would account for 3.03%. So still not worth it. >past performance is not an indicator of future returns. Sure.
True though, I have only been into investing (fuck, i doubt i'm investing, i'm gambling hard earned money), i have been up 15k and now i'm up by 3k, the mental toll it takes to me is not worth it, I will maybe weight for one pump and sit out to DCA into VOO.
VOO outperformed MSFT by 49.05% in the last year and by 38.59% in the past 5 years. I get the whole "buying the dip" mentality but it just doesn't seem like a worthwhile risk. I don't have a crystal ball so I can't confidently say that MSFT won't keep staying neutral/ go down, but there are better tech stocks than MSFT right now.
Yes, trade the individual stocks for index ETFs, You could split your portfolio between VOO and VXUS to get a balanced global portfolio. Or do as I do and stick with ESG ETFs to do the same (my core funds are ESGV and VSGX). Opening an IRA account is also smart at your age. Just make sure you have enough emergency reserves that you can keep your hands off the IRA money until your 60s.
Anything under 5 years is considered short term investment wise so saying over a year, and how you're checking your stocks and reacting to a single bad fortnight still leans towards you thinking short term. Leave your individual stocks where they are. You asked about diversifying away from tech so diversifying away from the US tech heavy market is a way to do this. VXUS is still a Vanguard fund so there's no extra international tax implications for you. If you're confident on US stocks growing more over time then VOO and chill, and stop checking your investments all the time so you're not panicking about a small blip in the long term journey.
hey guys posting this in a few investing related subs I found to get more diverse answers the TLDR is I'm new to this and noticed I made the silly mistake of not diversifying enough with the current drops in tech but I don't have so much money so I'm not sure how to go from here and best spread my money context: I decided to start investing recently, mainly got inspired by spacex opening lol so I opened an account and put some money in some stuff (didn't buy spacex because I realized it's too risky this early when doing some basic research) Current financial sitution is that I work part time in college. Starting my last year in August. I make at most $10 a year probably less. I believe this means taxes aren't an issue since my income is too low still. I also have 15.5k in cash saved and currently another $1300 in stocks. Been able to save very well since I live with parents and don't need to spend much yet. Estimating how much I'll earn until I graduate and subracting tuition cost and I should have around 18k or so. I was told by parents to keep around 15k in cash that I can easily access just in case I get screwed and need it after graduating. I guess that makes sense since thats close to a year on bare mimimum survival. Either way that leaves me with 3-4k to invest 1300 of which is already there. current investments and concerns: When I started I realized what if I could invest in the s&p500 because I know that's huge and a measure of economic health. So that's where I learned about indexes and ETFs. I got a share in VOO because I learned that it's a good ETF and safe with good long term growth and built in diversification. Then I messed around and put in $20 in Nvidia just to see how things work. Then this week I saw microsoft amazon and google among others going down so I put $600 across those because I thought well its tech and these are massive companies that aren't gonna die even if they dip now. They'll go down but they'll go up a lot more later right like they always have in the past. So I have $1300 in stocks so far I noticed that I made a small mistake. Since the big tech companies are already big parts of the voo fund I have a lot of overlap. LIke basically 70% or more probably of my stuff is in tech and I really noticed it these few days which is why I'm here now. My portfolio is down $30-40 now. I'm not panicking because I know its only a few % and it'll go back up and it's not an insane amount of money but I want to diversify to prevent one thing happening in the world from dropping my entire investment value like whats happening now with the ai chips and supplies Not sure really where to go from here. I want to invest in the qqq fund for the Nasdaq 100 because it seems that would be a good spot to get some tech investments and it's probably more stable than individual tech stocks but I have so much tech already. I guess I need to look into medicine and food related stuff but buying individual stocks of companies that I'm not as familiar with feels almost like gambling and the effort to research all of them to choose with the money I have doesn't seem worth it and then what if I invest somewhere and it goes down and im cooked. So I guess going for funds dedicated to the sectors is the move right unless there are other really good stocks to invest in individually I'm confident that I can hold the money in for over a year so what I'm looking for is general advice on how and if I should adjust how my money is currrently invested and how to work with the remaining \~$1.5-2.5k I have budgeted for this so my questions are: basically should I buy more individual stocks or etfs and which ones are safe for a beginner to hold for a while that I can reliably add to over time even after I get a good paying career? Should I move my money out of the current individual stocks and funnel it into the qqq fund for nasdaq or keep what I have and just put extra in nasdaq although I worry that makes the diversification issue worse. How much should I be diversifying? I imagine at a certain point too much means the money is too spread to do any good work and obviously I'm feeling the issues of too little diversification right now a bit. Then the last thing is since I don't have much money does it make sense to dump all of it in now to give compounding more time to work or shoud I do DCA? I've been googling and looking around and I've felt a bit overwhelmed so I thought it wouldnt hurt to ask and directly talk to people about my specific situation would appreciate the help thanks
VOO/QQQM/SMH/AVUV/VEA mostly.
sooo you could’ve chilled on VOO for 5 years be almost a millionaire and the retire in asia but you said no. wtf men, I am 30 and nowhere close to that money.
VOO YTD is 7%+ and QQQ YTD is 16.6%+. When the historical annual average for the S&P is 10%, being on track for almost 10% at the midpoint of the year would signify a bull market.
Only if those earnings are repeatable over a sustained amount of time. I look more towards the FCF yield which is shockingly low. For a company with no economic moat, I'm very happy keeping my MU exposure strictly to my QQQ and VOO holdings.
Sold out of SaaS and bought into VOO. I’m tired fam. Use that signal as whatever that’ll fit your narrative.
Personally I agree, basically I’m a standard VOO for life kind of guy. But I’m in this sub so I didn’t want to come down on their way of life.
Keep in mind that AVGO and DRAM are very correlated because both depend on the AI boom & demand for compute to justify their valuation. VOOG is also very concentrated in AI stocks, VOO is about 50% tech stocks. If your goal is to diversify, you probably want exposure outside of tech: - VXUS can give a bit of international exposure and is good. - VNQ is a good option, real estate is not very correlated to tech. - Don't be afraid of bonds. You can lock in 4-5% yields at current rates, depending of duration. You say you're a software engineer- the labor market is rough out there, lots of layoffs happening. It might make sense to put 10-20% of your portfolio in bonds just to smooth it out.
The universal advise for RSUs is to sell at vest and use those funds to buy VOO or other broad market indices. You are already incredibly concentrated in the health of your company in the form of your employment, there is no reason to add to that. For example, what if we enter a multi year recession led by disappointment in the profitability of Gen AI use cases? Nothing to do with your performance, your employer performs layoffs and you lose your job, just as everybody else is also looking for a job. It takes time, and you start eating into your savings, only... your savings are in a company that just did massive layoffs, so their stock is down 30%-70%.
I was going to buy a bunch of Intel right before it blew up but couldn't look past the 20 years of stock fail, my loss. In the end I don't give a shit though. Most of our investments are in VOO/VT like a boring risk averse loser and we keep pulling in steady gains over time.
time in the market is more important than timing the market. just buy VOO+VTI 50-50 and stop pretending to be a competent trader when you arent.
You’re being pedantic. Obviously “the market” could mean things other than stocks. It could refer to bonds. Or bananas. Or Fentanyl. Or the human kidney market. So yes, sure, VT does not include bonds. But it also doesn’t include crypto or gold or bananas or fentanyl. Point being, it was pretty darn obvious in the context of this conversation, OP saying VOO was the market, that I was pointing out that VT was “the market” of stocks compared to VOO. Pointing out that VT is not actually the market over VOO even though it does hold all stock in the market because it doesn’t also hold every other thing traded on planet earth is pedantic and attention seeking. Everybody knows VT only has stocks and does not invest in, say, bonds, gold, crypto, futures, commodities, etc. All you did was point out the obvious. Like if someone said a car was a Toyota and I said no, it’s a Ford. And then you clarified it was a Ford *car* as opposed to a Ford *grandfather clock*. Like dude we were obviously talking about cars, not clocks. You’re being pedantic.
I buy VOO 50% (core engine) QQQM 20% (growth tilt) 10% SCHD (income + stability), 10% VXUS (world diversity), 5% IBIT (Bitcoin, speculative, and 5% SGOV (dry powder to use when markets crash). This portfolio touches a little bit of everything and still focuses on growth.
Was looking for this comment before I made it. If you’re not planning on contributing over the IRA max, I can’t think of a situation the 401k would outperform a IRA. More restrictive, possibly forced out of the plan if separated with the employer, usually higher fees… just set up a brokerage IRA a buy VOO. The main advantage for 401k in that instance is it comes out of your paycheck so you’re less tempted to not make the contribution.
How’s VOO to 750 by August looking?
The expense rate for the 401k and plan manager for the funds through the company is relatively high. My point was the understand if it would be better to buy VOO or SPY direct through Roth or a regular brokerage.
Do you understand what the S&P 500 is and what target date funds are? Typical target date funds are a really great deal and managed for your life stage. They often start at 90% stocks of a broad market base (like VTI) of both domestic and international. If you want to stay more aggressive, then pick a later date. Compare VTI and VOO. Surprise, it's the same line. You will virtually have the same return if you choose one over the other. Plus with the target dates, a little bit of bonds and some international will protect you in the long run. Don't try to get smart with your retirement planning because "they don't have the s&p" when target date managers are likely a group of smart people is managing it for you.
He is eating the glue. He could just go for bonds or VOO but he was lacking something to cry about. Calls on him having submissive kinks.
Buy 1 unit of MU and 1 unit of SNDK. Then just track it. Get all your VOO but keep these 2 stocks to compare over the next year.
The goal is not to time the market, the goal is to buy at the right price. Don’t follow DCA rules like “I’m going to put X amount into VOO every month”. Instead, have a quarterly budget of savings and a set of good stocks and investments. When you see any of them on a discount, allocate some of your budget to that asset. You dont know when its going to be on a discount, but thats irrelevant, as long as you have a good eye for support and resistance
That would’ve done nicely in VOO and chill
Want some advice? Dump monthly payments into VOO. Research stocks that you believe in. Companies that you use. And never touch options again. I don’t touch them.
VOO is not the market. VOO is a specific list of 500 American companies. VT is the market.
I actually "beat" VOO and that's thanks to Taiwan stocks. I guess diverting some capital out of US market is a good strategy after all.
You should just buy an index fund like VOO. Like most investors, you have no edge to get superior returns to the market composite.
Keep holding VOO, GOOGL, TSM, and VXUS
Explain, please. What if that is 400 trades that are all purchases? Using my taxable brokerage account as an example, in the last roughly 11 years I have recorded 533 "trades", however less than 10% of them were sales. I hold 50 different tickers. 75% of the value is in only 10 tickers including VOO, VTI, MOAT, SGOV, CAT, and NVDA. My last two sales were QQQM due to the SpaceX concern and some SGOV to free up cash to invest in the Iran related dip in March. Am I investing or am I trading?
Buy alphabet Walmart and Amazon while they are down. At the end of July, beginning of August buy SPDR gold. No options. When SPDR become more than 5% of your portfolio hedge it into VOO S&P.
Cold take: if you didn't make money off this stock (or any meme stock in general), you should not be trading. VOO and chill is the way for you.
Yes, I recently made the shift from individual tickers to low-cost ETFs like VOO, VXUS, and AVUV. You will sleep much better at night. I know I do.
You should not be trading. just auto buy VOO/VGT/QQQM. Or just do the Robbinhood strategy’s. You need a sponsor to approve your trades lmao
That's me. I bought maybe 300 shares at 60 a few years ago. Rode it up to 130 or so. Then it tanked after an earnings. I freaked out and sold at 100 or so, because me being a newbie trader, I only did VOO at that point. And I thought I did great for not coming back with a loss.
This message is for you, OP, not worried if anyone else reads. You're spot on. But. I will say, I recently felt a specific conviction about a play in the market. I am still overall weighted to index funds, but they represent less than 50% of my total portfolio now. I have strong conviction on a specific couple of sectors, and am rolling with it. So far, so good. But I have no intention of holding these forever. Once I hit LTG, I intend to largely liquidate as you have, and return to index funds. Of course the barrier is high - shifting between equities has a very real tax cost. But this is the one time so far in 15+ years with money in the market that I've really made a shift away from index towards individual equities. I'd love to liquidate now! But am confident enough my gains will hold, or increase, until I hit LTG. Make a killing, return to normal. At worst I probably come out break even due to taxes and learned a ton about the markets. At best I come out ahead 15-20% compared to holding VOO the whole time.
Fine it's called VOO. It takes a while. I'm just gambling with a bit of pocket money for fun. I have a job for real money. It's behind Wendy's.
They make money off of transactions. So "VOO and Chill" is pretty much the exact opposite of the investor (consumer) behavior they want lmao.
It's weird, when I make thousands in a day I don't really feel anything. But when I have a draw down, even though I'm in shares and I know it's temporary, it's still ruins my week. If I don't figure out how to manage the mental side of it I may just start VOO and chill. Just for the Peace of mind.
It’s 30 shares of VOO!!! I bought that this morning.
Agreed on the complexity but I have to chime in because comments like these are misleading. Anything more diversified than VOO will underperform it in an upmarket, diversification 101. That may be okay depending on OP's plan, which is not clear. I can only assume that a 100% equity allocation means this will invested over multiple market cycles. Other than that there is a considerable tech tilt. This will hurt during down-markets but is irrelevant if you have a long investment horizon.
You could add SCHD and AVUV in your preferred percentages for domestic and then use VXUS in your preferred percentage as foreign holdings. Myself I'm roughly: VOO 30% SCHD 20% AVUV 10% VXUS 30% other/individual stocks 10%
I told you to buy VOO but you did not listen. Now your port is deep red
Just go VOO and some international exposure
sure sure..... or just put your money into VOO. For the love of everything good, just invest in VOO or mutual funds, don't chase a single stock to make bank
In part, yes. Intelligent portfolio management requires target allocations in various sleeves. If you never rebalance, you get highly concentrated in past winners and if they become losers you’ll experience more significant drawdown (which you want to avoid with my example above as you saw). However you don’t want to rebalance too often or you limit the upside on those winners. I like to rebalance annually and only if they fall outside a 25% window of my target. So if I allocate 10% to VOO, I’ll rebalance if it’s above 12.5% or below 7.5% of my total portfolio - checked once per year. It lets my winners run for a bit before I sell them to load up on some of the underperformers that I expect to bounce back at some point.
>Yet it keeps going down. I have held the stock for well over decade and close to two Say that again? MSFT CAGR has well outpaced SP500 in the long run. It has beat both SP500 and NAS100 over the past 20 years. You can keep chasing what's hot. Problem is you need to get in and get out at the right time to make it worthwhile - or in other words be right twice. But I can tell you the company that has increased top and bottom line sequentally YoY for some 17-18 times out of those 20 years is going to keep rising. Now I still take my shots at fast growth, but I target durable growth over potentially flash in the pans. And I can do this because I already a strong base with SPY/VOO QQQ/QQQM MSFT and the like.
Yeah you’re regarded lil bro. Better off not buying anything and just VOO and chill
Gonna be hard explaining to the wife this morning why I liquidated $3M of VOO to buy WEN...
This is the way! VOO and chill (or very similar). Your best investment will always be YOU! The only thing someone cannot take away from you is your knowledge. Focus on that
Rotate all VOO to WEN ? Seems legit
setup ROTH IRA. invest in VOO or FXAIX. you can take out contributions if you need to just no gains
At 34, you're not late. You still have 25–30 years until retirement, which is plenty of time. If your goal is long-term growth, I'd lean toward: * 80–100% VOO if you want simplicity * 50% VOO / 50% VGT if you're comfortable with extra tech exposure I'd skip SCHD for now unless you specifically want dividend income. At your age, total growth is usually more important than dividends. As for 100% VGT: it could outperform, but you're making a concentrated bet on tech. If tech has a rough decade, your portfolio will feel it much more than a broad-market fund. Personally, I'd rather own VOO as the core and add VGT around it than go all-in on VGT. It gives you strong tech exposure without betting your entire retirement on one sector.
Not bad for a reasonably diversified equity+real estate approach. Off the top of my head, I would guess there's probably a lot of correlation between VOO and VGT, as well as between AVUV, SCHD, and BRK.B. I would use a correlation matrix or, better yet, a principal components analysis to see how different they really are. Might be worth looking at swapping to a single tech/mega cap fund and swapping one of the value funds for a momentum or commodities option, maybe. I would ignore the just VOO crowd. That CAN work, but it leaves you with a lot of high correlation/sector concentration risk.
years later how are u doing bro? does ur job help u financially recover from that? im 24 and lost 60k, i have 40k left, lost this over 6 years and its like i can never escape it and continue to lose, literally gonna VOO And chill and have my gf manage my accounts lol im a gambling addict