VOO

circadiggmigration

Does anyone favor momentum funds like SPMO? The thesis is simple: Most wealth is grown in a concentration of stocks that generate the most wealth. In bull markets, people FOMO into the high growth stocks in order to chase returns. These etfs have outperformed the broader indexes, as long as the bull market continues https://portfolioslab.com/tools/stock-comparison/SPMO/VOO Thoughts?

circadiggmigration

Does anyone favor momentum funds like SPMO? The thesis is simple: Most wealth is grown in a concentration of stocks that generate the most wealth. In bull markets, people FOMO into the high growth stocks in order to chase returns. These etfs have outperformed the broader indexes, as lonf as the bull market continues https://portfolioslab.com/tools/stock-comparison/SPMO/VOO Thoughts?

FreeOGPoohShiesty

I feel like Google is a winner and I need to roll with them. What about more MU? Of course gonna keep dumping money into VOO and stuff to be safe.

Ldghead

Even with the bumps and lumps, S&P500 is up 10.5% ytd. Grab some VOO, and don't stop feeding it. If you really don't like the ups and downs, look into Boglehead. This can help you balance your investment for better risk tolerance. It's not for everyone, but it is getting some of us where we want to go.

Pale-Silver-8178

I should be head of Berkshire Hathaway i woulda fullported SPCE and turned 300B into 600B then either sit on 600B cash or slowly DCA into VOO.

dontforgetpants

Thank you for sharing basically the only useful and actionable advice in this entire comment section. What do you mean by saying that SpaceX’s unusually small float is a game? Is it a gamble for them in some way? Also, will VTI and VOO definitely add SpaceX? Is there a way to find out for sure which index funds it will be added to, preferably in advance of them being added? Sorry these are such basic/beginner questions, I am very new to investing. I am looking, to the extent it is possible, to never hold SpaceX stock even in an index fund. Elon ruined the lives of many people I care about and derailed my career along the way, so I am willing to personally forego money and flexibility to not directly enrich him further. :(

DrVonSpreckle

So youre asking the right question. Not whether DON is bad. Whether it solves a real problem SCHD plus VOO doesnt already handle cleanly enough. Mid caps can add a different slice of the market. The question is whether that slice gives you enough extra behavior to justify drag, volatility, tax friction & complexity. In retirement that matters more because youre not just chasing total return. Youre protecting sequence risk, income comfort & the ability to sell without hating the price. If DON already feels like a compromise before you buy it, respect that. A 7% to 10% position isnt huge but small positions still have to earn their chair. Diversification isnt automatically better just because another box got checked. The cleaner test is this. if the position underperforms SCHD plus VOO for years, would you still understand why you own it. If the answer is no then you probably dont have a portfolio need. You have an allocation itch. For a retiree who already likes steady & boring, SCHD plus VOO may be the simpler answer unless you can explain exactly what mid caps are supposed to do for the account that the current mix is missing.

MarlonMcCree20

Yeah and I do VOO vs VT, more upside to me while still being safe. Small amount in VXUS as well just for international exposure. I don't expect it to beat US markets long term, but this current regime showed me the market can drastically shift with a single tweet lol.

throwaway815795

You can just switch to s and p index, VOO ot VTI and then wait for a good pick.

steady_compounder

If SCHD already fills the steady, boring income role you want, I would not add DON unless you have a clear reason beyond wanting every box ticked. A 7 to 10 percent mid-cap sleeve is perfectly fine if it helps diversification, but it is not mandatory, especially in retirement when simplicity, tax efficiency, and knowing what each holding is doing matter more. I’d think of mid-caps as an optional small sleeve, not something that has to justify itself by beating SCHD or VOO on its own.

joe0228

VOO or QQQ and ignore the market for a while

intelligentx5

VOO is driven by like 7 stocks, the rest is down double digits. I would go VTI/VXUS split maybe 70/30

Cryp2nyted

VOO is all large caps, if you think some small caps will do better in the long run you can also put some in VTI which also has large caps but also small caps for broader exposure.

WealthVenue123

it's a tough call, you need to diversify this with VOO and QQQM to make sure it doesn't blow in your face

JohnBrownsErection

Retiring in your 40s is possible, but it is not a secret ETF, it is not “just buy more SCHD,” and it is absolutely not achieved by discovering one forbidden ticker in a cave behind Vanguard headquarters. It is math. Horrible, beautiful, soul-stripping math. To retire that early you basically need some combination of: High savings rate High income Low expenses Aggressive but sane investing No lifestyle inflation goblin A plan for healthcare Enough invested outside retirement accounts to bridge the gap A willingness to live like a spreadsheet monk while everyone else leases emotional support trucks The investing part matters, but not as much as people want it to. The main lever is not “VOO vs QQQ vs dividend ETF vs covered call income cauldron.”   The main lever is how much money can you shove into the compounding furnace every single month without ruining your life? Very rough math: if you want to spend $40k/year, you probably want around $1M–$1.3M invested depending on withdrawal rate and risk tolerance. If you want $60k/year, maybe $1.5M–$2M. If you want $100k/year, congratulations, you need dragon-hoard money and possibly a side quest involving a tech salary, business ownership, or marrying a suspiciously wealthy widow. The “retire by 40” version is brutal because you only have six years. Six years is not a compounding runway. Six years is a financial knife fight in a parking lot. Unless you already have a large portfolio or very high income, that probably means extreme savings, career acceleration, business income, house hacking, geo-arbitrage, or some other major life lever. The “retire in your 40s” version is much more realistic. At 34, retiring at 47–49 gives you 13–15 years, which is still aggressive but not completely insane. That is where maxing retirement accounts, taxable brokerage investing, keeping expenses low, and increasing income can actually start looking like a plan instead of a manifesto written in caffeine. Portfolio-wise, boring usually wins -  Broad index funds for the core. Maybe some small/value or growth tilt if you understand the risk. Avoid blowing yourself up chasing “early retirement income” products that are really just yield cosplay with NAV decay wearing a fake mustache. The real FIRE formula is spend way less than you earn, invest the difference automatically, increase income, avoid dumb debt, and do not let your lifestyle expand like a raccoon in a marshmallow factory. Also, early retirement does not have to mean “never work again.” It can mean financial independence, part-time work, consulting, seasonal work, a lower-stress job, or working because you want to instead of because your landlord has you in a chokehold. So the answer is: yes, it is possible, but the path is less “find the perfect investment” and more “turn your savings rate into an industrial weapon.” Investing is the engine. Savings rate is the fuel. Lifestyle inflation is the raccoon chewing through the brake lines.

MyAccount2024

Sell, pay taxes, put into VOO ... never think about it again and enjoy life.

thoughtcrime84

It sounds like maybe you should go with some riskier investments? Not sure what else you’re wanting with this post if you really have no plan to alter your approach. I’m up 68% YTD with heavy investments in space, tech and a bit in drones. Of course it could all come crashing down, and I am slowly moving some gains into safer ETFs, but it just comes down to risk tolerance. Tbh you seem over diversified for my taste. You’d probably be better off in VOO with a bit in more growth-focused ETFs like SPMO and QQQM.

Machine8851

VT performs worse than an sp500 index fund such as IVV and VOO

SuperbSandwich

SOXS and chill is the new medium-term VOO and chill

_Do_The_Needful_

He did, VOO.

perfumegarden

>VOO<

Frequent-Basket7135

Oh dude definitely when the AI companies are public they can then track the top metrics. Basically everyone’s eating lunch right now but nobody knows what their poop will look like. Poop tells all the health about a person. But anyways if the market crashes just buy VOO on the dip and you’ll be happy later 

OriginalTouch6371

I’m long on IXJ and it’s getting pretty undervalued compared to VOO over the past year or so. I’m with you, I think whenever the next rotation happens, the healthcare sector gets a big bump. Similar to what’s happening with SaaS right now.

C2theC

You have way too many that can just be managed with the QQQ or XLK ETFs. Maybe SOXX if you’re feeling aggressive. Sell the losers. Offset with the lowest winners. Put towards the biggest winners or better, in ETF. Consider VOO for some balance though tech is like 40% of the S&P 500 currently.

WeakEstablishment686

I was looking for a comment like this. Are you fully allocated only to individual stocks? If so, you could just keep letting these run (especially Google) and just DCA into a combo of VTI or VOO and VXUS. My only worry with someone in their 30s is if you project 30 years out will some of these companies die out. Unlikely that multiple do and overweight your winners, but that risk exists and an ETF will naturally shield you from that.

fzrox

You should stop picking stocks if you are underperforming VOO.

Iwant2FIREsoon

I'm just using 50 years old as the age I want to retire at with an average salary of $80K. In this instance, can you tell me what stocks people should invest in to be rich if you don't like VOO.

ProtoMatthew

Fair to challenge but tracking against VOO isn't the only metric that matters for someone with a short time horizon. The question is whether the strategy fits the goal, not just whether it beats the index.

betarhoalphadelta

Simple... VTI+VXUS does, as you state, trade some diversity for lower growth. This is a risk profile question. I'm comfortable with VTI only (and would probably be comfortable with VOO only) and trading for the potential growth. So the "core" of my holdings are VTI. That's my passive investing. Individual stocks beyond that? If you don't know what you're investing in, and why, and just doing it because people are telling you to? I wouldn't touch it. That's just gambling. It's practically blackjack, in that the odds of beating the "house", i.e. the indexes, is <50%. If you want to invest in individual stocks beyond the indexes, it takes research, formulating a thesis, and a lot of work. It's still gambling, but it's more like poker--someone who is actually talented enough can, on average, win more than they lose. But like poker, there are plenty of bad beats out there waiting to happen. Based on the limited context of your post? I'd go VTI or VTI+VXUS, and avoid individual stocks for now.

sum_dude44

That's what I did w/ MU profit. Put some in DRAM to hedge as well. I basically use VOO & VT as savings accounts

betarhoalphadelta

"Buy and hold" isn't for individual stocks. "Buy and hold" is for things like broad indexes / mutual funds. An S&P 500 index fund is something you buy and hold. You're already diversified, and you're just betting on the long-term growth of the economy. It's designed to be passive investing. Individual stocks, you buy when you have built a thesis that the company is worth owning, and sell when you decide that thesis has changed and it's not worth owning. That might end-up being a long-term hold. It might not. But it takes thought and research. It's active investing. IMHO, especially based on your other comment replies saying things like the below, I think your strategy is more luck than skill: >That’s the problem, I don’t have a thesis and fundamental to follow. The truth is that you have WAY too many stocks to develop a thesis on all of them, especially if you're working a full time job and trying to also do things outside of your work as most early-30s people do. You're heavy in tech, which has been good, but you're benefiting from high exposure to a sector rather than, IMHO, sound trading strategy. Even your funds (HLAL/SPUS) are heavily in tech. You likely would have done similar just throwing all your money in QQQ. If you want to develop as an investor, I'd suggest paring a bunch of this down and reinvesting them into index funds. You can do things like VOO (S&P 500) or VTI (whole US market) or QQQ (Nasdaq so tech-heavy), or even HLAL/SPUS if you have religious reasons you want those types of funds. Then, with a smaller portion of your overall investment pool, start actually figuring out how to evaluate individual companies. Work with no more than 3-5 companies. Develop a thesis on the company, a reason for investing. Before every investment part of your thesis should be the question "what would cause me to exit this investment in the future?" so you know when to spot a stock that no longer fits your thesis. IMHO that's the next step if you want to be an active "investor". And if that sounds like too much work? Just invest in the indexes and let it compound. For most people, that ends up with higher returns anyway 😉

Over-Computer-6464

The SPY/VOO is not a clear cut case. The IRS has never made a statement about what is "substantially identical" with ETFs. Many claim that VOO and SPY, although they track the same index, do not have identical holdings and therefore will not create wash sales if selling one at a loss and immediately buying the other. This is an open question. There are many more that claim that you can swap between similar ETFs that track indexes from different index providers. There are 3 or 4 major index providers. So for example, there are VTI, ITOT, and SCHB that are in total US stock market index ETFs, but technically they follow different indexes. Companies like Betterment and Wealthfront have published white papers on how they use similar, but not substantially identical, ETFs like this to tax loss harvest. The IRS has not approved, but neither have they objected.

avilacjf

Given how thin your investment strategy is I would highly recommend trimming and reallocating to QQQ, VOO, or VT based on how bullish you are on big tech/USA. The more you put into ETFs the less you'll worry about individual picks getting too bloated or huge drawdowns. You must first understand that chasing FOMO is the worst investment strategy because you'll trade mainly on emotion. Otherwise you'll just be ping-ponging back and forth, getting frustrated watching stocks skyrocket past your steady ship. If you want to time the market my best advice is to DCA but have a multiple for when the Fear and Greed index is in the red. Say you want to put in 1K every month, you do 1.5k when the F&G is in the red and 500 when it's in the green. Alternatively you can swap into a leveraged ETF like TQQQ (3x QQQ) when the index is on extreme fear and trade back into the regular QQQ once it's back in the green. These are some general ideas I use.

IHadTacosYesterday

I retired last December. I'm slowly selling out of my individual stocks and building a dry powder position, but eventually I will put a bunch of the dry powder into VTI, VOO, etc.

GolfLiftPlayPool

Buy VOO. Won't be in there for at least a year

Few-Lengthiness-2286

I’m in VOO, SOXX, and VTI mostly and am up 26% YTD. I’d say that’s pretty good and really easy investing

Ziegelmarkt

>Where things can get tricky is ETFs. SPY and VOO are considered substantially similar so you can't sell SPY for a loss and then buy VOO. I deliberately didn't mention that just for brevity. I think SPY/VOO were the actual examples they gave me too. My easy way to remember the rule ever since has been to sell an EFT for a single stock or vice versa, or completely change sectors "just in case"

aislopbot

If you don’t know what you’re looking at, go buy shares of VOO

dinklebot2000

Did you read what OP wrote? Similar companies are fine, just not the same company. And selling for a gain and then rebuying does not trigger wash sale rules, it's only for losses. Where things can get tricky is ETFs. SPY and VOO are considered substantially similar so you can't sell SPY for a loss and then buy VOO.

ND8D

So dump VTI for VOO, got it

jcsehak

There is a cure, it’s at r/bogleheads. I learned the hard way betting into GME. Us plebes can give our money to billionaires at the casino or we can ride their coattails by DCAing into VTI (or VOO or VT or whatever you prefer).

Dash2in1

VOO follows the S&P 500. For the moment you could continue with that, until they change their policy to also fast track spaceX. VTI follows the CRSP total market index which has fast tracked it, so steer clear of that if you don't want that.

NineSidedBox

VT is about 60% US and 40% international. My ratio at the moment is the other way around. I've been moving away from US funds in the past few years, so just doing VXUS + VOO.

BuySellHoldFinance

Selling too early is why I index. QQQ and chill if you want to bet big. otherwise VOO and chill if you want something stable.

Supreme_Luker_69

I'm extremely fortunate. I don't do options, I just saw household companies that started in the market and bought aggressively. For instance, I bought sandisk in January and DRAM because Samsung isn't going anywhere and it's the only way I know as a US investor to get a piece of it. I did get lucky with MU but am regretting cutting Seagate (also a household name). I am avoiding stocks that I think are being pumped like Intel. Beginners luck I guess but I started with $25K after saving for 2 years and doing a tremendous amount of research. My portfolio is now $120,000. I'm investing in companies and ETFs that I plan to keep for several years. If I were smart, I'd VOO and chill but feel like I have some serious catching up to do. Best of luck with your investment journey internet friend.

techno-wizard

Most people lose in the stock market to people who know what they are doing. Professional traders have advantages as well in addition to experience. If your losing, you should be sticking to ETFs. If your from the US and want to keep tracking the US market, VOO and chill. Outside the US, I like VWRA on the LSE and use it as my private pension top up fund.

Fun-Inspection-8196

Unfortunately everybody holding VOO or a 401k in an index fund or target date fund won't have that option. A space x/Tesla merger would force bag holders to carry even more bags so Elon can collect his $1T payday. It's sick.

Ill_Logic_5

You're smart though. VOO is an excellent play long-term, which 99% of investing should be. I have a sizeable sum in VFIAX that I started with 6+ years ago with $35K and over the past year+ threw some in MU, NVDA and AMZN as my "risk" plays, if you even want to call them that lol. My portfolio broke $700K today.

TourStrong3077

If you had $25,000 to invest right now, what would you pick? Give me the full breakdown of your picks. 25% NVDA? 10% VOO? Are you throwing 1% at some more risky picks? And why are you making those picks? Give me your picks broken down by percentage of the $25,000.

NoThxMang

VOO is the way. Sitting pretty

nanobot_1000

I held NVDA the past decade, cashed out last fall and now am in boring old VT/VOO resisting blowing it, but even that makes me nervous now TBH.

Own_Association_2265

18 y/o incoming Austin nursing student. Tuition is fully covered by Pell + Texas grants, so I should graduate debt-free. Current situation: * $1,000 emergency fund * $1,400 checking buffer * Plan to increase emergency fund to $2,500 during freshman year Expected refunds: * Year 1: \~$8,250 per semester ($16,500 total) * Years 2–4: \~$6,750 per semester ($40,500 total) * Total refunds over 4 years: \~$54,000 Expected living expenses: * Rent: \~$450/month * Utilities: \~$50/month * Food: \~$200/month ( prolly gonna be larger but thats what the cushion is for ) * Total annual living costs: \~$8,400 * Total 4-year living costs: \~$33,600 Investment plan: * Keep a $2,500 emergency fund in HYSA * Invest $750 each semester during Year 1 * Invest $500 each semester during Years 2–4 * Auto-invest $50/month throughout college * Total invested over 4 years: \~$6,900 * Allocation: 70% VOO / 30% QQQ ( idk split can shift more voo? currently have a paper trading set to c how itll be ) * No individual stocks, options, crypto, or margin Based on my estimates: $54,000 total refunds * $33,600 living expenses * $6,900 invested = \~$13,500 remaining cushion/savings over 4 years (plus any summer savings if I move back home) My goal is to graduate debt-free, keep a solid emergency fund, and build a small investment portfolio while in school. Anything you'd do differently? Would you change the VOO/QQQ allocation, invest more aggressively, hold more cash, or keep the plan as-is?

MSFusionHV

How do you know you are "moderately successful"? Are you certain you aren't wildly overconfident in your abilities? Have you tracked your entire performance against VOO or VT? How long have you been doing it, as obviously a lengthy track record is more meaningful than a short term track record.. though technically even 10 years could be luck. Wise long term investors just sit in VT, which will end up outperforming around 90 percent of investors over decades. Good luck.

golf_234

Decent point but i do see pretty big performance differences with them depending on conditions. I'm more or less letting them all run for a while, and seeing if I want to keep or cut any. did reduce the number of etfs though, currently in VOO VOOG VXUS SPMO VGT SMH QQQ by having them all running for a while gaining some insights as to how they are all performing in different market conditions etc with slightly different balances of holdings, even if there is overlap. if any aren't cutting it will definitely trim

BanzYT

I'm up 4,909 dollars today. Mostly from MSFT and FTEC, little bit from VOO.

jalehmichelle

Why not both 😅 I allocate ~60% to shit like VOO, ~25% to individual "safe" stocks (eg GOOG), and ~15% to calculated risks (eg HOOD). So far has paid off well while capping my overall risk. Idk why people act like you have to choose between low and high risk, just choose a proportion that suits your personal risk tolerance but that will not destroy your entire life if you're wrong

GMVexst

It's been hard to miss, stock picking might not be for you. Try some VOO, VGT, SMH type ETFs and chill

FreeOGPoohShiesty

Vtsax and VOO aren’t jokes. It can’t get any safer. If it truly tanks and you’re American, you’re fucked anyways.

Metaldwarf

Dude. Stop while you're ahead. VOO and chill. You won. Now STOP.

NineSidedBox

I'm purely VOO and VXUS and I'm at an all time high. Whenever I pick individual stocks, I just can't stop thinking about it, and keep checking my portfolio. So now I stick to index funds and sleep well at night while making money.

Sufficient_Habit5091

Yea this is humblebrag if you're even a little bearishly tilted like me lmao. VOO is consistently putting up 20% like only tech used to do.

MaxMillion888

DCA into VOO. Im 20% gains over 2 years. So not ridiculously rich yet. But maybe 10-20 years with more compounding

Exquisite-Load8654

Agreed. I’m a VTI guy but VOO is just as desirable.

7uolC

So I assume you will continue to stick with your VOO and have learned nothing. Index investing won't make you rich unless paired with a very high salary job.

Junior-Valuable2071

This is exactly what it feels like. I’m sitting here with VOO and a few blue chip stocks and it looks like every asshole on the internet suddenly became a retired millionaire this month on some random obscure bottleneck companies that were “such obvious buys”

Pigs0nTheWing

I would stay away from day trading, especially options and leverage. 90% of traders go broke within a year. Statistically, the best traders are dead people because they just buy and hold. The market just wants to go up over time. If i were you, I would just find some good companies and wait for a dip to buy for the long-term. ETFs that track the S&P 500 like VOO are good, relatively safe long-term investments. I think the market will top around Q4 of this year, maybe October or November. We're in the last throws of a bull market right now where everything goes parabolic and big IPOs come out. That traditionally marks the end of a bull cycle. So save your money, wait for the correction or crash towards the end of the year and then load up on some good assets for the long-term.

Charming_Oven

Maybe one of the brokerages will start an ETF that's similar to VOO, but removes any companies that don't follow the previous rules from S&P.

cuddlyviola_7

Putting short term cash into volatile stocks like STX or NVDA is incredibly risky when you have a hard 8-month deadline to pay back $15,000. Even a diversified index fund like VOO can swing wildly in under a year, so your best bet is sticking with a high yield savings account or a low-risk money market fund where your cash is completely safe and still earning decent interest.

cosmicloafer

Dude. Putting money in stocks, at least short term, is not “safe”. VOO is safer than individual stocks since it’s diversified, but unless your time horizon is years, it’s not safe. The market could crash tomorrow and you’d lose half your money. If your timeframe is 8 months the best you can do is a CD or savings account.

Jah314

How much do you have that you need to grow to 15k in 8 months? NVIDA is semiconductor/ai play and no way as safe as VOO. STX is gambling at this point and you are late to that game. Are you trying to invest or gamble? Do you know the difference?

catlady1215

You need VOO.

4thbeer

You should honestly just put your money into VOO because you clearly don’t know how to do proper DD 😂

Delulu_Maximus

QQQ, VOO is this a trick question

Dgonzalez617

SPY is for trading VOO is for holding

tocinoman

Rotation into other VOO holdings

LumpyShock9656

How on earth did VOO end up green with NVDA GOOG AMZN AAPL WMT COST in the red

Adrianm18

VOO ?

Possible-Material693

Yeah whatever they have him in he is getting hosed. Tried to tell him too but he wouldn’t listen. The expense ratios on a lot of the funds too were like .5%-1% which is insane when VOO is .03%

tylerthetiler

I don't know much about stocks/investing past "buy the dips" and "put it into VOO". At this point, I avoid individual stocks. The only one that I would put it into right now is MSFT or GOOG, but otherwise just VOO. I think that's where I'm thinking, "Is this going to keep going or will it all die down after the AI craze is over(which I feel it will be before that long, couple years maybe)".

RoverRebellion

My guy, buying individual securities is for jackasses. You need two: $VOO and $VIGAX. Then don’t fking touch it.

taplar

You should be able to invest in VTI or VOO in the HSA. ?

ThomasTanksDown

It feels good but you still have this lingering feeling over your head like dont fuck this up. But for the most part it feels unreal to think I could put 100% in VOO and make 500k/year (on average obviously 🤪). And no for osrs. A quit like 3 years ago amd just flipped on the GE for 2 years here and there and then stopped completely. I think I have like 1.4b ive just been giving to friends

swallowthesun5

Hi everyone, question for HSA investing: From a previous employer, my wife qualified for an HSA account. By the time she left there was $1200 in the account. Her new job as well as mine offered FSAs so instead of using that $1200 I put it into a total market for a while. Since this account can't be added to anymore, I took a swing at RKLB @ $16 and bought 107 shares. So now its sitting at $15K in the HSA account. What is the best way deal with HSA gains? I'd like to secure what has worked so far but also need it to grow in the market since I can't add to it. I'm pretty much a novice if it isn't obvious. Any other investments are typcial VTI, VOO etc. I'm not a 'ROCKET LAB TO THE MOON' guy, just someone who took a swing, so the investment wasn't really based on DD, and even if it was my DD wouldn't be very effective. Thanks for any advice

fr_cuh

I’ve been seeing some great performance with SMH but was scared to put in $7k after I already saw so much growth (idk if that’s the right move..), I put all of it into VOOG (like a riskier VOO). Now I am at peace, until I calculate how much I lost out on.

Aggressive_Finish798

You can buy VOO on Schwab now for fractional shares.

Xzlk

VOO 700 today confirmed

catlady1215

No it’s when the random broke people start talking about buying I’m selling all my shit and putting it into VOO.

NoMore_stu

I mean VOO is up over 60% ytd but okay

aronnax512

You don't stick the derisked portion into a savings account, you roll in into a broad market ETF. It's also not going to zero (AMD is still a well run, profitable company with physical assets) but it definitely could tank 70% (it also could keep running). You'd be in a position where it'd be like if you'd bought VT or VOO with that initial money, plus received "free" shares in AMD equal to 2/3 of you current AMD share position. The point is to set a floor under your winnings where you won't backslide below where you'd be if you did the safe thing in the first place, without completely sacrificing future upside.

james_reed_fxdesk

If the goal is passive and easy to stick with, VOO alone is already a strong default. SCHD is not bad, but I would only add it if you know exactly why you want the dividend tilt. In a Roth, the tax angle is not really the point. The simpler portfolio is often better if it keeps you from second guessing every few months.

Monster_Grundle

Put 500k aside, pay taxes, buy VOO, keep gambling with the rest. But you won’t, and you’ll go broke revenge trading after something goes bad. Cheers!

pappugulal

Recently read somewhere that 60-40 has been replaced by 90-10, where 90% is stocks and 10% is cash. You should have some idea by now of probability of you being laid off. With that in mind , I would keep a 1-3 years worth of cash, 1-3 years of stable investments (SCHD) and remaining in VOO. This pattern would be for one retiring today. Let me know your opinion as well.

Virtual_Secretary_98

I bought the top on VOO smh

Turtlexxxxx

With VOO https://preview.redd.it/xegvfwdpo04h1.jpeg?width=1080&format=pjpg&auto=webp&s=7c05cd23673beef5133f7dd7a311ae318b0b482d

kmouratidis

How did you get 37% though? VOO/VT are at 28%. Factor tilts? Margin? Includes contributions as gains?

CaptDiscosLoveShack

Target date fund probably has fixed income? Just buy VOO

Fun_Training6342

Guys sell it and buy VOO. Hate to be party pooper but y'all ain't built for this.

cjm123cfc

VOO and chill. Don't overcomplicate it.

amg-rx7

Stocks don’t go up forever. It’s up on speculation momentum and fomo. Not earnings alone. Take some profits. Deploy proceeds to VOO

therealjerseytom

> Missing a hot sector? If you have VOO or VTI you have all the sectors, dude. This looks like just buying a bunch of stuff without any sort of specific goal or plan.