VOO

Subject_Rhubarb7715

If you want dividends then yes you should invest in dividend tickers. If you want high yield then invest in high yield. Dividend tickers are not "good to have" over anything else, unless you want dividends. I am retired and I enjoy some of the perks of dividends, so for me they are good. If you are young and you are just trying to grow your net worth then the only thing dividends get you is the ability to reinvest into other tickers at regular intervals without caring if the original investment is currently down. That's not a huge gain. There are a few good dividend tickers that actually outperform, such as SCHD or OVL. But even those have different purposes. SCHD is good for investing early and for a long time, so that by the time you do want dividends your yield is high, with a solid growth ticker. OVL on the other hand is more like you want dividends right now and you want the underlying to be VOO. So very long story short, unless you have a need for dividends NOW, avoid anything higher than about 5% yield. If you intend on retiring in the next 10 or 20 years you can start adding dividend growth tickers such as SCHD. Otherwise, stick to growth.

CuriousTard

Up 500k and only 3%? If that's true man, just buy the VOO and chill for the rest of your life lmao. No need to trade if that's 3%

ImJoogle

I feel like VUG and VOO would overlap a lot

SelfPromoteMore

get rid of the clutter funds bro lmao |Keep|| |:-|:-| |VOO|Core U.S. equity exposure| |VXUS or equivalent|International developed + emerging| |FBGRX (or VUG/SCHG if you don't want to give away 0.61% annually in management fees, regardless of whether the fund is up or down).|Optional active growth overweight| |PDBC (any cheaper fee version of this if you feel like you need it?)|Optional commodity diversification|

SimplyNefariousness

VOO bc i dont have trust anymore

AgitatorSupreme

When you say index funds are you talking SPX/SPY/QQQ options or shares in SPY/VOO and other various S&P ETFs? Because that is what I did and made jack shit given all the volatility. 

Party-Score-565

Over 90% of funds don't even beat holding spy... You can sink years of research studying how to be consistently profitable trading options, assuming you have an advanced degree in mathematics to understand it all, and still make less money than someone who's never heard of options and just buys VOO.

Nerdfacehead

I'm just upping my weekly purchase of VOO.

fallingdowndizzyvr

NANC greatly outperformed the performance of VOO in the last 5 years. NANC is up 92%. VOO is only up like 57%. Don't doubt Nancy.

RabbitWiilli

VOO has a lower expense ratio than SPY. VTI includes small caps and mid caps and doesn’t just track the S&P 500 so that’s up to what you want to expose yourself to. QQQ tracks the nasdaq and not the S&P.

MrMarketsDiary

The tax part is the bit most people skip over, and honestly its the real lesson here. Selling your winners to buy the index just trades one problem for another, becuase now Uncle Sam gets his cut up front and that money stops compounding for you. If I were in your shoes I'd keep the winners that still earn their place and just point all new money at VOO instead. What made you decide to sell everything at once rather than let it drift over a few years?

Cowdungflung399

VTI or VOO. Same answer every time.

ajunkiee

VOO in the pullback

alrachid

Why not expect it? You should expect things to possibly go against you and plan for that. Sorry for your loss, but it doesn’t look like you were invest in VOO

cock_pussy

I was only 25 years old. I loved Jensen so much, I watched every GTC keynote and bought every dip. I'd pray to Jensen every night before market open, thanking him for the compute I've been given. "Jensen is compute," I would say, "Jensen is life." My dad hears me and calls me a degenerate bagholder. I knew he was just jealous of my unrealized gains on out-of-the-money calls. I call him a boomer indexer. He slaps my phone out of my hand and tells me to buy VOO. I'm crying now and my portfolio is deep in the red. I lay in bed staring at after-hours futures. It's really cold. Suddenly, a thermal wave moves toward me—the humming exhaust of liquid-cooled server racks. I smell the rich scent of tailored calfskin. It's Jensen. I'm so happy. He leans in and whispers in my ear, *"The more you buy, the more you save."* He grabs my unlocked Robinhood account with his powerful, CUDA-accelerated hands. He opens the options chain. I spread my margin limit for Jensen. He exercises naked short straddles directly against my portfolio. It hurts so much, but I hold through the drawdown for Jensen. I can feel my buying power tearing as margin call alerts flood my notifications. I keep bidding the ask. I want to please Jensen. He roars a mighty roar as he allocates enterprise-tier Blackwell B200 clusters straight into my account. My dad walks in holding his 401(k) statement. Jensen looks him dead in the eye, zips up his leather jacket, and says, *"It's all CUDA now."* Jensen exits through the window into the Silicon Valley night. Jensen is compute. Jensen is life.

HyperPunch

I put $100 weekly in to VOO. This week, I put an extra $200 in because I had some extra money after bills were paid. I’m not dumping my emergency fund or going crazy, but if has some extra money or want to tap into my fun/spending budget, I don’t hesitate. Those magic the gathering cards are gonna be there next month.

TopUniversity3469

Robinhood is very easy to understand/get started and VOO is probably best for set it and forget it

BKITechnologies

Well while there might not be an app to put your money in and just leave it but with investing having a long term outlook is the best way to start! There are several ways you can go about it and we believe investing is one industry you can truly learn through reading. Build a competency in a specific topic or industry and learn as much as you can about how it works. Then narrow it down to the companies that have the largest impact and the most innovation to be relevant over 5-10 years and begin evaluating them with that lens. A few ways to start are reading the intelligent investor or warren buffet’s annual letters or even the undercover economist and such books to get you a good foundation. Some brokerages to begin with are interactive brokers for ease of use and their UI being easy to understand and set up others are Charles Schwab or Robinhood even. However regarding a set it and forget it, that is more along the lines of a broad market ETF tracker of the S&P 500 for example, especially if you don’t have a conviction or a mix of some like VOO or QQQ. Remember investments are safe for the long term but unsafe for the short term due to volatility which gets diluted the longer you are in it by virtue of long term advancements and growth. These give you exposure to all sectors and the largest companies rebalanced by many many eyes on the market. To help everyday investors in situations exactly like this we built a platform, PortfolioBuilder to provide everyday investors access to institutional style analysis to make better and more informed decisions when constructing portfolios. Stress Test and Analyse the portfolio through the various features as well! Try us out @ceparcs.com. This helps you build a portfolio from scratch or analyse one you may already have. GuestMode gives you a great insight to the platform and is accessible with no sign ups. PortfolioBuilder helps you build a risk aware portfolio with an aim to consistently compound capital while PortfolioGenie helps you analyse it and gives you insights into your portfolio with potential alternatives that might adhere to your risk tolerance and growth goals better. There is a Free and Premium version to it. Have a look and would love to hear your feedback if the platform was able to help you in your journey!

Iampoorghini

Based on how many people are asking how this works, this post basically ended up working as an ad, inviting a bunch of potential degenerates to start gambling. This is WSB. You’ll see one winner for every ten losers, and I’m one of them. You don’t need to understand this. Just don’t get into it. Buy VOO and chill. https://preview.redd.it/3v9qxg3ev70i1.jpeg?width=1206&format=pjpg&auto=webp&s=b2b2ec1d352f66659c80dec017f7e9caa9fe28d9

AcceptableReply2

If you sell all positions that have been opened within the prior 30 days before selling and do not re-buy a new position for 30 days after selling, there is no wash sale. For example, you buy shares of VTI on 9/20, 10/15, and 11/1 and then you decide to sell on 11/5 because the market is down. You avoid a wash sale if you sell all shares of VTI purchased on 10/15 and 11/1 and do not rebuy until 12/5 (or buy VOO on 11/5 to avoid the substantially identical rule).

Thoreauuu

1) Download Webull and sign up. 2) Buy VOO. 3) Chill (i.e., don't worry about moving it or managing it in any way because it follows the index).

slottedtrottsman

Get a basic brokerage account through schwab or fidelity, or a roth IRA for retirement. Transfer money from your bank into the account. Purchase shares of VOO (S&P ETF), VXUS (international etf), AVUV (ETF for small market US companies). Easiest way to protect your money from inflation long term.

MiddleFishArt

Setup 401k contributions through payroll deductions, which is by far the easiest and most necessary. If you’re looking to invest money you already have, VOO and chill at any brokerage

StormOneTrick

why VOO and not SPY or VTI or QQQ? Those are the popular ones I’ve been hearing.

Beneficial-Chair-333

Everything VOO, VTI whatever people call it chill investment is basically bunch of chip stocks. You are just buying same stocks in all funds unless you are investing in stocks or sector specific funds.

AmbitiousFigure1323

You dont turn 10k into 200k in a year by riding VOO

GammaFlowSPY

SPY can be a reasonable long-term investment, but I’d distinguish “safe from losses” from “a way to build purchasing power over time.” The point isn’t just diversification. It’s giving your money a chance to grow faster than inflation. According to UBS, U.S. equities delivered an annualized real return of about 6.6% from 1900 through 2025. That’s the broad U.S. stock market, not SPY specifically, and it’s historical performance—not a promise about future returns. There’s also a reason many long-term investors are comfortable matching the market rather than trying to beat it. S&P Dow Jones Indices found that 79% of actively managed U.S. large-cap funds underperformed the S&P 500 in 2025. That statistic applies to professional funds, not individual retail traders, but it shows that even professional management doesn’t make outperformance automatic. Warren Buffett made a famous ten-year bet on this idea. From 2008 through 2017, the S&P 500 index fund he selected gained 125.8% in total, while the five funds-of-funds selected by Protégé Partners each finished behind it. It’s one historical example, not proof that index funds always win, but it illustrates the challenge of picking managers who can beat the market after costs. None of this makes SPY a savings account. It can fall substantially, so keep your emergency fund and money you’ll need in the near future separate. Investing a fixed amount every month can help you stick to a process, but it doesn’t prevent losses or guarantee a profit. For the practical setup, compare SPY with lower-cost S&P 500 ETFs such as VOO or IVV. Check fund expenses, brokerage fees, recurring-purchase options, and the tax treatment of the account. The iPhone isn’t the issue—the brokerage and account behind the app matter much more. You don’t have to outperform the market to build wealth. You need a sustainable contribution habit, manageable costs, and a plan you can stick with when the market stops being fun.

_slofish

200k today is enough to retire on in 30-40 years if you buy SPY or VOO shares and never touch it btw

Affectionate-Drop689

yall know its always a timing thing or what if u got like 500k in VOO then it drops down to like 450k that day and u also see stuff like GOOGLE or NVDA down 10-20% sell off a bit of the 450k VOO > get into GOOGLE and NVDA??

Free_Bathroom331

There's no dictum that states you can't try and win again on your individual equity bets very soon. You already have the right formula, your future capital is safe and I assume those retirement accounts all hold VOO/SPYM & smart ETFs/ index or mutual funds. The individual equities are your play money.

GrapefruitOrganic741

VOO and chill

Free_Bathroom331

Listen, you'll be fine. You're not anywhere close to broken. At 3M, you have other safe capital in Money Market/Bonds/cd's etc. Many more market blessings to come in the future. I had a longtime client come in for a closing earlier this week, real estate investor. I knew he'd gone bankrupt 2-3 years ago, but I never knew to what extent until he alluded to living out of his car for a few weeks here and there during that first month. Today, he's our firm's oldest client and one of our better clients, yet again. As you can probably guess by now, it's cyclical for him. Take it as a lesson to buy the stocks out right and choose unkillable monopolies & SPYM/VOO stop borrowing money. We're all down, at least I have 70% in SPYM/VOO. I just picked up one of those unkillable monopolies CAT at a generational discount. I'm sitting back, 100% positive my 5% portfolio loss will be repaired in a few months or less. There's no axiom or decree that states you cannot immediately win again. Just de-risk as much as possible to offset the volatile equities. You'll be fine, a kick in the nuts only makes the stomach feel quesy temporarily.

Shoganai_Hito

taught a younger chick at the gym about VOO today; she was in awe just wait until i teach her about naked puts

GrapefruitOrganic741

No you just have a hidden tax harvest so instead of being rich in your early 30 you will become ultra rich in your early 40. Keep focus and avg monthly in VOO GL

lVloogie

VOO is only up 7.36% YTD now. That is not up heavily...

Fine_Professor_4155

Panic... Just DCA into "safe" positions like VOO and SCHD and take some chances on the side The market is down so things are on sale

DontAskDumbQuestions

If buy at x , why not buy at <x?  Can you buy things other than VOO? 

athlaka916

Why VOO over VTI?

lvnv891

VOO and chill is played out. QQQ/VGT and chill

goldenpleaser

Investing in RSP over VOO has been great so far. Anybody buying more exposure to AI chips than what's in RSP at these valuations have only to blame themselves.

Celticsmoneyline

do not go VOO bro it is a trap. This is the age of discount brokerages you can diversify yourself easily

Shoganai_Hito

hate to say this but think it’s time to be responsible and time i go into VOO and live the boring life. Am up for the year and VOO provided a good entry point yesterday. That said, will probably yolo some spy 0dte’s next week ftw

Maleficent_While2653

Same. I fell for the hype first with bitcoin, then gold/silver, then memory stocks. All of them are now in the dump. My portfolio is down 60% because of these stupid decisions, when I would have been well in the green if I stuck with VT. Lesson learned. Don't listen to anyone on reddit or youtube who claim to know what the next big thing is. Just DCA in VT, VOO, or QQQ and you will easily beat every stock picker.

smokeyd94

I think your portfolio is already pretty solid. VOO + VXF gives you broad US market exposure, while VXUS provides international diversification. I also like that you're including some international exposure rather than putting everything into US stocks. I wouldn't add a dividend ETF just because people are saying dividend stocks are good right now. Dividends aren't free money, and a high dividend yield doesn't necessarily mean better returns. What matters most when you're young and investing for the long term is total return (price appreciation + dividends). Adding something like SCHD would also create overlap with stocks you already own through VOO. Personally, I'd keep it simple, invest consistently, and let compounding do its thing. The only thing I'd reconsider is whether you're comfortable with a 95% stock allocation. Even a diversified portfolio like this can drop significantly during a bear market. If you have a long time horizon and can stomach the volatility, I don't think you need to change much. Don't overcomplicate a portfolio that's already doing what it's supposed to do. 😄

Standard-Top-5942

I'm in my 30s and make 10k a day on VOO quite regularly. It doubles every like 7 years.

Slightlybadpicks

I don’t understand people who buy VOO and chill. Like bro yes you’ll be a millionaire at 70 when your cock doesn’t work and you can’t drive :kek:

DarthOniichan

Bought my first shares of VOO and SGOV instead of 0DTES. What the fuck do I do now?

DrHappyPants

> I'm curious, has the US market experienced similar downturns before? How did things play out afterwards? Is this a normal correction or something investors should be more concerned about? I am not joking or being condescending when I say, if you are asking this question, you should not be investing. Listen to the other commenters and put it in VOO or VTI and do not allow this to become a hobby. Despite all of the posts on here, the stock market is still up 9% this year alone. That is incredibly high. People who are losing money now are degenerate gamblers. People who just put money in VTI have still made significantly more than the historical average. Worth noting, I am one of those degenerates, because I am a fucking idiot and sold during Trumps Tariff drop 2 years ago. So take it from an idiot. I missed out on one of the most ridiculous irrational bull runs in recent history. But I didn't lose any money at least, I just didn't gain it. Put it in VTI, and then never think about it ever again.

InvestigatorPlus3229

have you considered just investing in VOO which is up 100% since then

paulverros

Welcome. Short version of what most people here learned the hard way: Yes, it's happened plenty of times. Drops of 10% or more come around every year or two. The big one was 2000: the Nasdaq fell almost 80% and took 15 years to get back. So buying the tech dip works great, as long as the dip isn't 2000. Start with a broad ETF as your base and keep individual stocks small until you've lived through one bad drop with real money. That teaches you more about yourself than any research. If you're outside the US, look at Irish-domiciled ETFs (CSPX, VWRA) instead of VOO. Most non-residents owe US estate tax on US-listed assets above $60K, and the Irish ones avoid that

Possible_Law8357

If you don't know then just stick to ETF. Buy VTI/VOO/QQQM

Ok-Artichoke-3135

Just VOO and chill

SanDisk_Made_Me_Itch

Bro. If you move to a low paying job, you are strictly VOO and chill. Like, that’s the rules. 

abandoned_idol

While I am just a real person, I still think I'm no better than scripted gurus. Since it sounds like you are enjoying this hobby-wise, I'd recommend: 0) Don't buy company stock until you can buy it without asking someone else for reassurance. 1) Looking up what companies do. Do they make money from their ads? From Business to Business contracts? Etc. 2) Then watch videos of people reading and summarizing their non-standard earnings reports. Non-standard means metrics that are specific to that business. e.g. An online marketplace might talk about how many products customers are buying, a Financial-Technology company might talk about the rate of non-paying loans. 3) Index Funds (VOO is one of these) are the responsible adult investing, We retail traders cannot outperform the index. By stock picking, you are throwing money away as a hobby. Best investment you can make is educate yourself on how to identify competitive companies without actually purchasing their individual stocks. Little risk in learning stuff from Youtube.

Cartoonicorn

Honestly, I am a mixture of VOO (USA fortune 500 etd) and SCHD (USA high dividend stocks), and QQQ (I would not suggest starting QQQ in this exact moment. It is all tech stock, and that is a wavy ship right now, and I would not want to be reaponsible for someone seeing a 10 lercent drop the day after pirchase) And every time I try to branch out, I feel the sting. 

Few-Cryptographer695

I might need to check out VOO, heard lots about that too!

TravelingAgave

My dude quit doing whatever you’re doing that brought you to this point and put all of your money into VOO for the next 20 years and retire rich. I did. Best choice I ever made.

nappingOOD

Park it in ETF’s like VOO and VTI. One trade to buy and another to sell later in life. You’ll be one of the more successful traders out there.

Status-Put8162

I gave up. The VOO won.

pobox01983

VTI or VOO for life! Carry some dry powder when market drops so you can deploy cash

jesse183yktv

I get happy. I always increase my investments during downturns. I do auto invest weekly into QQQ and VOO. And now that QQQ has touched 15% down from highs I increased my weekly investment into it. I have been investing for over 10 years and have seen times way worse than this. As long as ur invested in good quality stocks and also buy more in downturns, you will always make money.

elitesense

Guys. I just bought a ton of VOO at $677 ♥️♥️♥️

antelope591

If you were regarded enough to panic sell yesterday just close the app and buy VOO....you aint built for this

LemonTeaCool

I'm a new investor. The going matra in terms of investing has always been to invest in ETFs, primarily in VT (rather than VOO or VTI) because they are less risky and they are diversed. I looked at yesterday and they're just as down as VOO or VTI albeit VT got better 0.25 points. What the hell am I missing? VT was suppose to be the one protecting me but they're almost identical

itsalwayscalls

Keep telling yourself this while 99.99% of all actual investors globally regardless of gender and ethnicity look at forward earnings expectations. This is why you should buy VOO and let the adults make decisions.

MrNo_Balls

Because we have been in a low interest environment for a long time and along with a crazy bull run. Otherwise the fee drag would make the yield less favorable. If interest rates keep rising it will likely not continue this trend, before you start moving all your VOO into SPXL.

saryiahan

VOO and chill

Individual-Round2767

You have only yourself to blame for this. I am down 40% although they are all leveraged etfs and stocks. But i am not selling. I know every politician is corrupt and they have incentive to keep the market up. So market can't stay low long. If you panic sell then don't invest in market or just buy VOO, VTI

D74248

I am 67 and yesterday was entertaining, not devastating. Anyone close to or in retirement should be setup to withstand a long, deep bear market. But then, I am a heretic in the eyes of *The Church of VOO and Chill*. I look at risks and try to mitigate them. So I am sitting in a bond tent that includes TIPS (the actual bonds, not funds). On the equity side, last year I shifted from simple market cap indexes to indexes that are more quantitative due to the extreme market valuations. (As of this morning CAPE is still over 38).

rudolf_de_Leeuw

VGT concentrates the same mega cap tech risk that already dominates VOO, so using it as the base layer stacks factor exposure rather than diversifying it. If the goal is a deliberate tech overweight, sizing VGT as a satellite on top of a broad core is usually cleaner than replacing the core itself.

Virtual_Secretary_98

Should I lump sum 10k to VOO or wait for more dip?

DependentPangolin818

Man I capitulated so hard yesterday, I promise when I break even I will VOO and chill I learned my lesson!

sonofalando

Shocked I didn’t get assigned my VOO shares after the put I sold was $500 underwater. Guess the buyer didn’t want the shares called away 🤷🏻 expires today …

IdkAbtAllThat

VOO and chill.

Traffic_Spiral

LOL, samsies! 2 VOO stock.

LawyerPhotographer

Allocating 75 percent to VOO and 25 to individual stocks will vastly reduce how much you will ever trail or lead the market.

brainExploded99

You don't. You either wait it out like BRK or VOO and chill.

sleezly

Then just load up on some VOO right?

Aggravating-Bet-607

Haha, great point. If you’re looking at the SP500 (VOO) a 6 month investment would still be up \~2% with the dividends.

Shoganai_Hito

some chick at work was super impressed when i was talking about investing and VOO. Just wait until I teach her about SPY 0dte’s 🤌🏼

BigLife2254

VOO and chill has been a thing for like 15 years retard 😂

Comfortable_Flow5156

DIA VOO SPY keep it basic

NiceOwner

I think I can start a hedge fund and just put it in VOO index.

Sufficient_Put4775

Still up 7% TYD I’m chilling with VOO brought more today and yesterday lol 😂

RustyShacklefordCS

Bought VOO. YOLO didn’t do enough research but will eventually go up 🤷

RiverFrogs

Fair enough. I funded my Roth April 15th and just never pulled the trigger on anything. Could’ve still been green on VOO and just ignored it for years

Infurium

That was like 1/3 of the entire year gains in VOO. How is that better?

Beneficial-Welder974

I like VGT, but I would treat it as a tilt, not the base. VOO already has about 40 percent in tech, so adding a big VGT slice means you are betting even more on one sector doing well. That bet has paid off lately, but winning sectors rarely stay on top forever, and a sector fund can fall a lot further than a broad index when it turns. What I do is keep a broad fund like VT or VOO as the core, and if I want extra tech exposure I cap the sector fund at 10 to 20 percent of the portfolio. That way I still get the upside if tech keeps winning, but one bad stretch does not hurt the whole portfolio. Your 70/20/10 split is reasonable if you go in knowing the 70 percent is an active bet, and you are comfortable holding it through a rough few years.

Prestigious-Work-730

Even if so I would imagine it has missed on large gains had it been in even SPY/VOO/IWM etc

_Cromwell_

You don't know where the bottom is, so just keep buying some small but sizable chunks of VOO every half day or so. You'll be rich again in 5-20 years. (This is the boring solid way.)

weekndbeforeabel

Just by looking at VOO, you can see that it's been flat-ish way before the election. Straight up lying.

kokanee-fish

DCA into VOO instead of QQQ

Sufficient_Put4775

If you invested in VOO all this would be a dream too bad maybe next run

m_sell31

Is the expense ratio as cheap as VOO

Mykiss420

VOO and chill, bro!

hellario

1, I didn't get destroyed. 2, I lost some gains that I got earlier this year, I bought low in March 3, Nasdaq is about 23% of my portfolio, I'll survive regardless 4, if you don't know when to ask yourself "why is this underperforming? will it continue to do so? would my money be better allocated elsewhere?" then you don't even need to be on r/stocks. Just VOO and don't worry your pretty little head.

CatLadyAM

VOO is usually a good option… Last big drop I bought a lot of VOO, Microsoft, IBM - the standards. I’m still up significantly. 🤷‍♀️

HipOut

Yes if it wasn’t for growth we would not be growing lol Yes it’s been curtailed - we had a red day VTI up 8 percent YTD VOO up 7.5 percent YTD

spilledonwhite

idk what I'm seeing. I have a degree in finance and live on bloomberg and have watched all the different markets and sectors like a hawk this year and I haven't the faintest clue what the future holds. I need to break the gambling habit, accept my losses instead of trying to win it back, and VOO and chill and not watch the markets. All my basic ass coworkers are killing it with passive investing and shrug when I tell them what the market is doing. I just genuinely love everything about the markets and find them so fascinating. But it is getting more and more frustrating trying to play it.

Spac55

There is always check & balance, good for market. Too much extreme left or too much extreme right not good for anyone. If left wing push hard extreme, loose 2028. Next era will be more centrist & balance BigTech saw many midterms, nothing issue to tech or semi $QQQ $SPY $VOO $VGT time to load for Santa Rally, also $NVDA earnings spike Market is very forgiving, change mind even after 24hrs