VOO

goforth1457

Lol, I honestly think I could've made a lot more if I did wake up on time. But I guess that's why VOO exists, for people like us.

AKQ27

Don’t hold onto everything waiting to time for bigger dip. 10% snp 500 dip is a good place to get in even if it drops another 10-20%. I personally invest in VOO 60%, VUG or VOOG 15%, and VXUS 25% (diversify to foreign market a bit). VUG gets a bit more squeeze with its growth stocks. MixIng in ICLN, ARKK, QQQ, and even FNI for more squeeze as well. I would consider putting 25% in at least while market is down 10%. Then you can plan to invest monthly and drop another another 25% of the bonus at each 5% drop

Ehralur

Sounds like this guy is indeed in VOO... :'D

GypsyPhoto

Yes, either VOO or VTI….not both.

aznkor

Yeah, VOO is redundant if you're investing in VTI. 80% of the total stock market is the S&P 500.

GypsyPhoto

Either or, VOO has cheaper fees compared to SPY (they track the same thing). Nothing wrong with just choosing VTI but don’t do a combination of the two.

Grizzle200

I was gonna go with VTI, VOO, or SPY.

mynewid71

2 years is not long term.. 😂 If you want to play safe VOO. If you want to take risk buy crypto.

GypsyPhoto

You can allocate into multiple but you can over diversify as well. My suggestion would be: VOO, SCHD, VGT, VBK

Pie_sky

> The question to ask yourself is "Am I better than the typical full time active fund manager and staff?" Looking at some of those r*t*rds then definitely yes. But in the end it is probably not the case and just like them you will under perform. I just think it adds more flavour to have additional stocks. I have a 80/20% approach. I split between VWRL and VOO.

Huge_Nebula_3549

ETFs can drift from their NAV a bit. I use M1 finance with a pie equally divided into SPY, VOO, VTI, and QQQ. There’s no need to rebalance; I just dump money into it regularly. You’re always buying one at a discount relative to the others. Spy, VOO, and VTI will converge after drifting apart, and that’s your opportunity to buy fractionally lower relative to peers. Maybe over the course of 60 years and $10 million dollars, it will make a difference of some sort. Haha I don’t really know, but the “back of the envelope” math checks out.

MurrayInBocaRaton

*VOO has entered the chat*

dazacr7

If you are with Shawb look into Swppx MF with lower expense ratio than VOO

GaylrdFocker

VOO can trade at a premium or a discount. There is a difference in it's market value and it's NAV, whereas a MF will always trade at the NAV at the end of the day. [https://www.fidelity.com/learning-center/investment-products/etf/premiums-discounts-etfs](https://www.fidelity.com/learning-center/investment-products/etf/premiums-discounts-etfs)

lots2learnyet

I’m not for managed funds, but why people blindly recommend market cap weighted index funds like VOO slightly confuses me. It’s great when things are going up and momentum is working for you, but not so great when those top 5 names (making up 20-25% of the portfolio) has momentum going in declining direction. I like indexing, so why not something like a split on 3 etf’s: large core, mid core, small core. Still have market cap weighting so over-invested in certain companies, but at least getting exposure to mid and small caps. Yes, tech had done excellent the last decade, but will the trend maintain? Small exposure to value, mid, small in just sp500 index. I’m getting ready to start myself, so weighing idea of splitting investments among those 3 etfs, might even do an equal weighted sp500 fund as well like Invesco RSP.

xAEIOwnU

Yup, been reading into ETFs and definitely going to go with SPY or VOO as well as a few others

OntheGrindNJ

Buying more each week as long as you have new income flow. Also try diversified etfs like VOO, RSP which follow the S&P. Don’t panic sell.

knorthwoods

Yolo on 0dte VOO puts and then you won’t have to worry about withdrawing it.

piracer

I feel like its closer to i want an apple (VOO) but apple pie is better (QQQ) which is better-rest with ice cream (MSFT).

Yung_Eli

Looks like you could just buy VOO and have same performance

gtwucla

VOO and VTI have significant overlap. Do not buy both.

PaperCollectorX

I think quality, profitable companies will be the best market performers over the next couple of years. I think the explosive growth high P/S stocks will have their day again but it might not be for several years. The ones that mature into highly profitable companies will of course do well but time will tell. I like AMD a lot. DIS is solid, but would prob just put that money into VOO, don’t see a ton of upside with DIS and certainly more risk than an index. NET I’m staying away from.

Motecuhzoma

VOO and chill is the answer

SapphireEmerald

I see you’re tech heavy. Couldn’t do any harm if you also buy some stocks in other sectors. And something like VOO/SPY or VT/VTI would also be a great addition to your portfolio.

SpaceFan13

VTTSX is up 50% over the last 5 years. VOO is up 90% over the same time. So it's less aggressive then the S&P500, for me I much rather invest in VOO then VTTSX. Just depends on your risk ig, but I'm young enough where putting money into something that's holding 10% bonds isn't as aggressive as I want.

MountainStoneMist

Your 401k may already have funds similar to VOO or VTI. Do you have index funds available in your 401k?

notonmywatch178

Yes that’s exactly what watching the previous Fed conferences felt like. The market would breathe a sigh of relief as the Fed confirmed that their plans to hike rates remained firm, but that it wouldn’t happen until 2022 and up we went. The uncertainties in the market causes fear. We are close to the proverbial dentist appointment and so anxiety builds. No one knows exactly how things will play out since it’s all based on sentiment in the end. The market will rationalize any irrational decision (like when companies back in the dotcom bust traded at 100x P/E without having made a single dollar yet). One would hope that the market grows collectively wiser with time but it sadly does not seem to be the case, which is why I believe that the future sentiment will be bullish. There’s an assertion from the Fed to stick to their game plan and manipulate the markets. Just like with fiat currency, as long as enough people believe in the dream, it stays alive. If we are lucky enough to get the entire market correction/crash quickly it creates far better planning conditions for those of us who have 10-40 years left of investing to enjoy. It comes down to three factors: how long can you afford to stay in, do you believe that given future time span of the world/domestic economy to be bright, and are you invested diversely enough. It is often said that the stock market is not the economy but I disagree with that statement. Short term it fluctuates a lot but long term and historically it reflects major economic trends quite accurately. I like to ask myself when I have cash: “who would I trust this money to, with the objective of growth?”. In any field, if you need expertise you’d be well advised to go to the person or the entity that is the leading authority or expert. Who is the leading expert on capitalism? The US. Who is the leading entity of making money? Apple. Do you trust yourself to manage and grow your money better than Apple? You can have other companies and convictions, it’s just an example to illustrate my mindset. I have placed a bet on USA. Its financial culture/capitalism. I believe in it, and its plethora of extremely successful businesses to continue to invent, advance and improve our lives. Therefore I am a long term investor. I buy mostly VOO, some QQQM and a few individual companies I believe in.

AlexSosa4

If I wanted to invest my 401k and future 401k earning into VOO or VTI how do I go about doing that?

AlexSosa4

If I wanted to invest my 401k and future 401k earning into VOO or VTI how do I go about doing that?

zephyy

it's time to pack it in and just buy $VOO or $SPY if you're fucking up that bad

Great_Register_9224

I too like NNDM. Great growth promise for that stock. If you are young you should keep it. But then again, as some people mentioned here, if the current drop in the market scares you then you are best served investing in funds like VOO, SPY, VTI, or SCHD just to name a few. Just open an account with a broker like Vanguard or Fidelity and invest on those funds monthly and forget about it.

Ihopetheresenoughroo

I would look into ETFs and index funds, not mutual funds. Anything that tracks the S&P is your friend, so SPY, VOO, VTI, VTSAX, etc. I would recommend watching a shit ton of YouTube videos on this subject, you can learn a lot more there than what we have time to tell you.

Goddess_Peorth

Indexes are like giant baskets of lots of stocks. But you buy it just like you'd buy a single stock. SPY is an S&P 500 index. It just follows the S&P 500. So if you buy that, it is like dividing your investment between the 500 best companies in the market. VOO is the same as SPY but some people like it better because it has slightly lower fees. The fees are really low either way, so it doesn't really matter. SPX is the same thing, but without any oil companies. The oil companies have a lot of deals with Russia, so if there is a war in Ukraine and sanctions on Russia, the oil stocks might go down even if the price of oil goes up. Of course, they might still go up, too, depending. Mostly people buy SPX instead of SPY if they don't want to invest in causing climate change. You profit because the S&P 500 performs better over time than the stocks that most people choose. It does better than the average professional.

chem_daddy

I think we see a little bit of a rebound after JPow stops speaking… and then a big sell off after hours Opportunity to sell high was when SP was up 2% and individual plays were up 5%…. Looks like they will be raising rates come march. JPow hyped up jobs, but didn’t sound too confident about rates and inflation… so I think this was a transient bump and we keep sliding here Personally, I’m not really buying anything until 50 ema crosses above 200 ema on VOO/VUG/VTI

IdaConSmog

I’m looking at VOO

SSS0222

Yeah you mean the bank transfer fee/commission to fund the account! In that case, if 1500 USD is available you send it all in one go so that it is cheaper. Once it is in brokers balance, you can then each month use some of that money to buy SPY or VOO and do DCA. You can also buy dips like today. In future as well send money in bulk, like once every six months from Argentina to your broker account to make it cheaper. But from the broker USD balance buy the index fund each month for a good DCA

HinduHamma

Bro are you investing in shares of VOO only or some pussy shit??? How the in the FUCK are you only moving single digit percentage

WonderfulIngenuity95

It doesn’t have to do with not investing, it’s about managing her investment portfolio. Investing is good, but she should be doing the bulk of the work in terms of researching and learning. It’s her money - even if it she is “fine” with you managing it, it isn’t going to be “fine” when she starts to see her portfolio decline 5, 10 maybe 20%. This might not be much for you if you just started your career with an investment portfolio of $10,000 a 20% loss is only $2,000 - a paycheque or two, but for someone in mid-late career, she might be managing a 300-500k portfolio which a 20% loss would be $60k-$100k, suffice to say more than a year’s worth of pay. Even having 50% into VOO and seeing the market tank 20% is still a 30k-50k drop and can she even handle that? Anyone giving advice is clueless of how to manage an actual portfolio on someone else’s money. Your risk tolerance and random Redditor’s risk tolerance is not the same nor is it the same as your mother’s. You did take into account her age as a risk factor which is a good start, but there is so much more to know that others don’t. Hence, why I don’t recommend you managing her portfolio and just guiding her to learn investment knowledge instead. TLDR: Investing is good. Risk tolerance is not the same for your mother compared to your’s and random redditors. Managing family’s, relative’s and friend’s money can impact your relationship with them - when times are good you will be fine, when times are bad, they will not be despite what they might say. Portfolio management has many more factors than just age.

iFuckLlamas

Might throw some cash at VOO now that it’s below 400 again I have enough to do it again tomorrow if this continues

Desmater

You want to maintain principal and get dividends for income at that age. So VOO/VTI was a good choice. I personally like 80-100% stocks/20-0% bonds. But the ratio a lot of people like is 80/20 or 70/30 stocks to bonds.

AydenWithAY

average into VOO, VDC instead. large-cap growth equities aren't going to do well.

Mike_Ropenis

The most basic advice that produces slow but steady winners : put your money in VOO or VTI or whatever broad fund you like until you're ready to move some of it to individual stocks or options. If you never get to the point that you want to move it to individual stocks or options then you end up happy anyways. I'm currently at the part where I dabble lightly with selling covered calls because I don't feel like being too risky. Others like to buy calls that expire same day or sell naked puts like the OP. The important part is to identify where it can go wrong, and do what you can to avoid that or accept the outcome if you don't. Now watch me buy some PLTR calls. Just kidding. Maybe.

wild_b_cat

Historically speaking, dividend stocks are no better than other stocks for total return, so if your goal is just to grow your wealth, there's not much reason to choose VYM over VOO/VTI. And in a taxable account, dividend investing is inefficient, so it's actively worse. It could be worth it if you're specifically targeting dividends for some reason, but there are other ETFs that you could consider: DVY, NOBL, others.

ViolentAutism

Volatility isn’t a bad thing. What’s your time horizon? Chances are if it’s many years or decades, you’re better off skipping the dividends for quite sometime. Buying broader index funds such as VTI or VOO will provide much greater returns over the long run.

GangGreen2415

Slightly. I have two shit picks that I am holding on to for the long term. Other than that I have sold everything I was green in and will just go into VOO, QQQ and a few more ETFS and hopefully will reap the rewards years later

diamondlips69

VOO

SirGasleak

>Obviously if you just boomer-style it into VOO, Apple, Microsoft or any of those large cap companies then you'll be fine but that doesn't mean you know shyt either. LOL. "Boomer investing works but I refuse to admit it!"

PlzbuffRakiThenNerf

Most people usually say either/or. You benefit from small cap, but in my opinion VOO is fine, if something rockets into large cap you will suddenly own it. And yes they virtually track the same since the top 500 companies is basically the only thing that moves the overall market anyway. If you are looking for a different etf, I would say VYM right now, high dividend, more conservative than VOO but still appreciation. Right now as VOO is sliding down, VYM is still up over the last 3 months.

Secure-Sandwich-6981

Right then put the money to VOO and ride that back up as they track very similar anyway

_iCoNik_

Long-term you’re fine with either. Total Market is “generally” thought of as a better long-term investment because it’s more diversified than S&P. If you have VOO now, I wouldn’t sell out of it to put into VTI until you’re back to break even.

virtuexru

VTI includes small, mid, and large cap stocks, VOO is only large-cap stocks

Secure-Sandwich-6981

Started a position in VTI because of how much people recommend it already had VOO I don’t see the point of having both VTI is down right now does it make sense to sell out lock in the loss and swing it all into VOO as they basically track the same anyway?

wecandoit21

When in downturn you have to focus on your stars and heavy hitters ​ i.e AAPL, MSFT, VTI, VOO .. CANT BE still trying toa vg down and hope for the best for these growth stocks thats not even earning high revenue with profit and not a hug amount of cash available ​ down by 20 you want your Jordans, Kobe, Lebron on your team not trying to count on your bench players to bring you back . ​ I'm only focused on the A-list of equities none of this other b.s moving forward

timetopractice

VOO will out perform them. VXF will lose more value than VOO if the markets go down. VXUS is too exposed to China and I wouldn't bet on that.

jdeere_man

Let's take a simplistic view on this. Let's look at a chart of VOO (s&p 500 etf) vs. SCHA (small cap etf). [Here is a 5 year chart ](https://imgur.com/a/7iPvXBB) The blue line is VOO and the green line is SCHA. You can see pretty much consistently VOO outperforms, and over the 5 year period it has done better. This is not considering fees and dividends. VOO is 0.03% net fee, vs SCHA is 0.04% so difference isn't much, but VOO has the edge. On dividends (currently) VOO is 1.36% vs SCHA is 1.33%, again VOO being slightly better.

anoopps9

I wanted to keep growing it up so at some point 20 years later I have a take home amount per month plus sufficient growth. What do you prefer vti/VOO or qqq?

NinjaKeyLime

Apple is 5% of VTI and more of VOO, if Apple falls we all fall… for a while

PatmanAndReddit

I‘m 100% VOO would it make sense zu change to. 70 VOO/ 20 VXUS /10 VXF?

Ningudo

First he says that nobody knows anything then he goes on with: *Obviously if you just boomer-style it into VOO, Apple, Microsoft or any of those large cap companies then you'll be fine* Then he contradict himself yet again: *but that doesn't mean you know shyt either.* Dude you just made a prediction, this is knowing something. This is a confused investor writing an absurd post, other confused investors felt a high relatability reading this so they upvoted this to the stars; proving you are bunch of confused guys.

iamnewnewnew

but you have 20% IWM allocation, which is the same as VOO allocation. what you say and are doing contradicts imo, i think you have to go back to the drawing board. lay out what you want to aim for and allocate to that. my personal opinion is your ETF allocation is trying to do to much. you're unnecessarily making it a complicated portfolio. you can do something like 80/20 VOO/VXUS (hits what you say you want to hit.) if you want to actually hit small caps (as your current planned allocation indicates) you can do 70/10/10 VOO/VXUS/IWM even within that you can instead do VTI instead of some VOO/IWM mix.

Auburn_Value_1986

The only thing that is a near certainty with the stock market is as a whole it generally goes up over time. There are very few 10 years periods where "the market" has been down, but it has happened. Two "magic" tricks I try to convey to my kids and younger people, and this one is truly magic, is compound interest. When you are in your early 20s each dollar invested in a diversified S&P ETF like VOO is worth around 80 when you retire -- let that sink in. Every dollar you squander in buying junk (even a Starbucks coffee), like what is so much being touted on this site, is 80 plus dollars you flushed. If you wait until you are 50 to start saving, each dollar is worth maybe 3 or 4. Dollar cost averaging is not so magical, but still the way to riches over time. Invest the same amount or more every month, no matter what the market is doing. Lastly, and just as important, is "paying yourself first." Have your savings coming out of your paycheck at the beginning of the month. Otherwise you often have little to save at the end of the month. There are no shortcuts to being financially secure. All the BS you see on here and other similar sites is meant for one purpose -- transferring your money to someone else.

Countcristo42

>Obviously if you just boomer-style it into VOO ... then you'll be fine Thanks bud, that makes me feel better :)

remrinds

I’m going for the semi aggressive approach with the following AAPL 34% UNH 22% VOO 44% VOO Is steady in long term and will always come through in the end (i hope). AAPL because why not, even though VOOs top holding is AAPL but I’m kind of “doubling up” on it because apple seems like a company that’s got good vision for the future, UNH because healthcare prices in the US is only going up and it seems like a good buy even now (it’s a little over my intrinsic but eh)

cupidincoke

Thank you. My reason for choosing VOO is 1) I prefer to concentrate on the bigger players and skip out on the small-mid caps. 2) Prevent overlaps from my other etfs. Am i right for thinking like this?

maz-o

this is a good example how also an ETF-only portfolio can be quite speculative and risky. i would replace VOO+VXUS with VT and have it much more than 40% of everything. small caps/energy/carbon something like 5% max. financial and semis 10% max.

LiquidCheeseQuota

I’m sorry. This month has been a lot but you would be better served by buying VOO or VTI or SPY and not paying attention for that month. Missing out on rebounds will fuck you in the long run.

johnec4

Can't go wrong with VTI or VOO

InvestingNerd2020

>I think VOO has the lowest maintenance fees of any S&P 500 ETF IVV has the same expense ratio as of September 2020 (0.03%). Also more volume, but that is due to it being around longer. However, both VOO and IVV are equally great investments. A person can pick one by a flip a coin (call heads lol) and be in relatively the same position in 10 years from now.

tony_bologna

There's an ETF for pretty much anything you could ever want. XL_ for any sector you could think of (XLE energy, XLF financials, etc), throw in EEM for emerging markets, MSOS for weed, PISL for psychedelics, PRINT for 3D printing, BLOK for blockchain, VO for mid cap, AVUV for small cap value! ARKK because you hate money, or just "say fuck it I give up" and put it all in VOO. It's up to you to choose *how* you want to diversify, and then I guarantee there's an ETF for it. And there's a lot of different strategies for that too. There's a shitload of websites you can find them on. direxion.com for example.

sncspacextva

The market will always favor market-cap weighted ETFs , thus I like QQQ and SPY, but SCHD has a really good natural filter for high quality "value" stocks, which is useful for the current "growth-to-value rotation" narrative. I would take VOO over VTI, but you will find tons of opposition to this on Reddit (ETF and Bogelhead subreddit). if you want easy hands-off growth, do either \[in ranking of less to more volatility/risk/performance\] : 1) VOO , 2) VUG/VTV split at preferred ratio , 3) QQQM/(SCHD or VTV) split at preferred ratio.

Dismal_Storage

Wish I had learned this lesson earlier. I have almost 100 positions. It's ridiculous. I used to buy every REIT or dividend stock that sounded good. That and weird ETFs like SRLN for senior loan debt or SPHY that holds corporate bonds. Both have done well, but they're not exactly mainstream. I would have made almost three times as much if I had just bought VOO. I worked my ass off doing research to cost myself money.

intentionally_blank_

VTI is the whole US market and it has had better returns than VOO, but the difference is very small.

PIoppy

Need some advise, looking to invest. I have 10k sitting in my broker for a few months mainly doing research before I go in, have been looking for an opportunity to invest in VOO/VGT, it looks like this down turn is something that I have been waiting for. Planning to invest this for a super long term, set and forget with top ups here and there. I know theres no possible way to identify when it will stop decreasing, however is there any big news i should be waiting for thats coming in the next few days/week before I start. My current plan is to initially DCA my initial capital.

AGoodTalkSpoiled

Boomer styling into VOO, apple and Microsoft would mean you know what works in the long run. It reminds me of the scene in rounders, when Damon criticizes that guy for “not having the stones to go big.” And his response is basically I have the stones to stay disciplined and make this a career. That type of thing does often apply to investing. Successful investing can be incredible boring.

Hutwe

I’m torn between VOO and BRK-B

chicu111

Investing in Microsoft and APPL is smart!? I mean dude…literally everyone knows that. I can’t believe you’re explaining that buying 2 of the best performing stocks is good like it needs explaining. You don’t know shit either. FYI I have a boomer account myself with VOO, VTI, APPL, Microsoft, Costco, Home Depot, caterpillar, Chevron, Target, Siemens. That account is hella green. But do I know what I’m doing? ABSOLUTELY NOT. I literally just buy those because they’re big companies and I use their products

shixtrader

Why VTI instead of VOO?

InvestingNerd2020

VOO and SPY are nearly the same, minus expense ratio and option trading volume. If you don't plan on selling options, drop SPY for more VOO or VXUS (Aggregate international fund). The rest is fine.

harrison_wintergreen

>P/E this P/E that pffftt yeah right. as a general rule, P/E is a good long-term predictor of future returns. lower P/E stocks are typically better. the Shiller P/E is very good for forecasting long-term returns. >if you just boomer-style it into VOO, Apple, Microsoft or any of those large cap companies then you'll be fine the largest cap companies are usually not good long-term bets. companies rarely stay in the top 10 for more than a decade. 30-40 years ago replace Apple with General Electric, General Motors and Sears. minimizing your exposure to the largest cap stocks will tend to boost your returns. https://ioandc.com/rob-arnott-sell-the-top-dogs/

GypsyPhoto

You should not buy because what you typed and what you just answered here. Christ, you’re blindly investing and blindly listen to anyone. I’d suggest you buy VOO and stop trading.

JustAGamblerr

24 years old, I have a commission based sales job making roughly 6-10k a month, it varies a ton based on how much I work. I have no debt outside of 130k student loans 100k of which are private therefore not being deferred by feds. Monthly payment on that is 1.1k with 8-10% interest. My first objective with that is refinancing to get lower interest rate. As far as investing goes 80% if my portfolio is in MSFT, V, APPL, VOO. The other 20% is speculative. My question is where do I put my money? Do I pay extra towards my loans or invest it? I also need to build a savings.

jared_sullivan

You're on reddit so I assume you're between the ages of 16-30. You can do better than SCHD, VTI and VOO. You probably want to retire in 20 years right? Assuming so, short term volatility shouldn't scare you at all. If you want to stick w/ ETFs and passively invest to build your wealth go w/ QQQ GIGACHAD

Kon_Artist

Buy VOO and leave it alone for at least a decade. Don’t buy all at once. But the dips as the market continues to go down. VOO is an index fund for the S&P 500. Super safe investment. If you want, you can put a small portion of your money toward growth stocks in tech as they are very low right now and may go even lower. Individual stocks are higher risk but also higher reward. Pick big names like Apple or Tesla. Stay away from options.

han7nah

100% VOO (S&P 500). I think VOO has the lowest maintenance fees of any S&P 500 ETF, and I like that the S&P 500 requires companies to make a profit. Also Warren Buffett says most people should have most of their money in the S&P. I know the typical advice is to diversify with bonds, but I don't see any point in buying bonds when they yield less than inflation. Any money I can't afford to lose may as well stay in the bank instead of buying the 10-year T bill at 2%, lol.

yitzchak24

I’m with you on that one 🌈🐻 I have 10 puts on VOO $400

Glittering_Power6257

The majority of my holdings is in large, more robust companies, VOO and VNQ. f I were to dip into Margin, it would be no more than 20%. That said, you’re absolutely right, and caution should definitely be taken.

payne4218

If you are planning to invest large sums of money (10-20k) into SPY, QQQ, VOO etc and hold long term, is there any reason to wait?

sageguitar70

VOO has the lowest expense ratio. Consider IWB for exposure to the Russell 1000.