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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
All in on anything is a horrible idea. U have to spread yourself a bit. I think OP wants to take his gold gains and put it in VOO, which rn in my opinion is still to early
Gold will continue to go up, VOO is in turbulent waters rn. I'd wait for a better discount. Tarrifs won't play into the market for another quarter or two. Better deals to be had. As much as I believe in DCA and not timing the market, this one is a given at this point.
Hey can I ask, how would you be hedging currently? Im new to this and I have a portfolio of mainly VOO and tech. I was thinking of buying SPY/QQQ puts, but unsure of what kind of expiry or position sizes. My understanding is that if I buy 2 months expiry then I'd be paying this sort of "insurance" 6 times a year...isn't that very expensive?. What would you suggest to do in the current situation?
Depends. Where did the money come from? Saving it up for 10 years? That would be 160k he has missed out on from not having someone help him. What is 1% vs missing out on double? He panic sold before, guess what: he will do it again. People don’t think about the counterfactual. It’s easier to be broke, buy $50/week of VOO and chill. He will have 20k swings in that amount of money, he will panic sell. And someone should be pushing him to do MORE. Streamline. Optimize. This sub hates advisors. But they have never consider their own behavior. How much they have set to auto? How many panic sells? How many market times?
Also.. the most the S&P 500 got below the price it was at the day Biden was elected, was being down 4.04 percent. That was the absolute peak drop. Lowest Point During Biden’s Term: • Election Night Price (November 6, 2020): VOO closed at approximately $332.64. • Lowest Closing Price (October 14, 2022): VOO closed at approximately $319.18. Of course, that’s not including the dividends. So it would have been more like 2 percent at this peak.
Thought they did. Even thought that similar ETFs like VOO could trigger a wash sale for SPY. Good to know though thanks
If I had $160,000 to deploy and wanted to prioritize both long-term retirement security and capital preservation, here’s how I’d approach it: I’d allocate $40,000 into SPY or VOO (S&P 500 ETFs) immediately, without worrying about market noise or short-term news. If the market drops 20% from its all-time highs, I’d invest another $40,000. If it falls 30% from the highs, I’d deploy a third $40,000 at that point. The final $40,000 would either go in when the market stabilizes or be dollar-cost averaged over time, depending on how conditions evolve. While nobody likes seeing a drawdown, it’s important to think long-term. Warren Buffett often emphasizes that if you’re committed to dollar-cost averaging, you actually want the market to drop — because it lowers your average purchase price and increases potential returns over time. Just being patience. If market survived COVID( actually thrived) it will be fucking amazing is 2-3 years.
It's actually refreshing to see you asking ***before*** you buy, lol. So many people here ask for advice after they've invested thousands of dollars. Basic Guidelines for Starting: 1) Stick to mostly ETFs that track a broad market. 2) If you really want to buy some individual stocks, don't let them account for any more than 15% of your portfolio, and don't let any one holding be more than 5%. This should minimize downside risk. I'd say this is true for ETFs of speculative up-and-coming industries as well... (ETFs focused around Crypto/Flying Vehicles/Quantum Computing/Nuclear Energy, etc...) 3) Dividends aren't some magic bullet that will earn you more money. Growth and total price appreciation is the most important thing, especially if you are at least 10 years from retirement. If you aren't in a tax-advantaged account, then you will have to pay taxes on those dividends anyway, further reducing gains. 4) It is probably a good idea to get some international exposure. The US has outperformed in recent years, but that will not always be the case. 5) Before buying any ETF, I usually look at the top 10 holdings, and how much of the overall ETF they make up. I also read the fund description to see what it is trying to accomplish. I also look to see if the fund overlaps with one of my other holdings. As an example: VTI's description says it invests in the entire US market, including small, medium, and large cap stocks. VOO's description mentions it is only investing in the 500 largest stocks by market cap. VTI and VOO both have the same top 10 holdings. The top 10 in VOO make up 33.6% of the total ETF. The top 10 in VTI make up 29.2% of the total ETF. The funds have an overlap 88% by weight. Both funds are dominated by tech companies. With that I might decide to buy VTI because I want some exposure to those smaller companies. My starting portfolio might look something like this: 60% VTI (Total US Market) 30% VXUS (Total International Market) 5% NVDA (Company I have a strong belief in) 2% IBIT (Bitcoin Trust) 3% NLR (ETF Focused around Nuclear Energy) That portfolio has 90% of holdings in broad markets that covers the entire world, but I have a couple of more specialized picks based on my beliefs about the future. It is just an example, but hopefully it helps.
Ignore what the agent said. There is nothing wrong with getting 4%+ in a treasury only money market fund (no state tax), especially given your apparent risk aversion and desire for a car and a house relatively soon. If however you do want to put some in the market, then fully embrace the idea. Just get VOO (or a similar choice) for the cost of the tiny expense ratio. This gets you "the market" and doesn't require you to do any thinking beyond knowing you are getting a return greater than 85% of other funds and retail investors, with your "risk" being the same basically as the largest companies in America.
On November 7, 2020—the Saturday following the 2020 U.S. presidential election—the Vanguard S&P 500 ETF (VOO) had closed the previous trading day at approximately $319.99. On November 6, 2024—the day after the 2024 U.S. presidential election—VOO closed at approximately $549.78. This represents an increase of $229.79, or approximately 71.8% over that four-year period. Dividends were paid out in top of that.
You can't claim it on your taxes if you buy it back within 30 days. That's another reason being diversified is very helpful and a reason why ETFs are so advantageous for retail investors. If the market goes down and you are down $3000 on your VTI, you are not allowed to sell it and buy it back for tax loss harvesting. With that said you can sell it can buy VOO instead and your position is different enough for tax deduction purposes but your position isn't substantially different overall in reality. That is to say you haven't actually lost much earnings potential either way. The required attention and risk are both minimized. Furthermore, you can sell and transfer the money into your IRA and double up on tax deductions or transfer to your Roth IRA and never pay taxes on the growth. Doing this enough enables you to reduce your taxible income by up to $10,000 between the IRA and income loss deduction. This is a primary skill that swings the odds from 70% of individual investors losing money overall to making decent gains.
Daddy Buffett bought $100 billion of VOO
So this always gets me. It's first in, last out right? Like if I bought 10 shares at $1 then 10 shares at $2 and then sell 10 for $1.50 I take a $0.50 x10 loss? Or do I take a $0.50 x10 gain? That is where I get lost with wash sales. That and the equivalent stock... Like if you sold SPY and bought VOO it might be too close and wipe your wash sale. Ughhhh so many rules.
All or most of it? Could’ve been in VOO when it was in the $470s/share. Just threw about half of my SGOV balance in today, and I think it said I wouldn’t be able to sell it until May 6th for some reason. Maybe it’s because I transferred the cash from a HYSA to my brokerage account yesterday
Out of curiosity, how much of the SGOV investment would you feel comfortable throwing at VOO or something similar right now? Bummed I didn’t get it when it was much lower
There is a more fundamental issue here. Trading or even spending significant productive time doing stocks investing (even if its long term holds) is not a good thing and should not be encouraged in any way shape or form. Get a job. Focus on that job and just put money into VOO. Thats it. Nothing more. Unless you are in the finance industry, dont do anything else. We need people to do real work and not gambling.
Your typical middle class to upper middle class family in the US retires on some combination of pension/annuity/401k which all have heavily reliance on equities. The companies in the SP500 index cumulatively pay over $500b in cash dividends and that number keeps rising over time. Any "transfer of wealth" is from people making poor decisions such as betting on options or selling low and buying high. I am not wealthy, but how is it the system transferred my wealth away from me, if inf fact my net worth grew with VOO MSFT AMZN MA V NVDA NFLX and many others over the years?
If I buy VOO at the same time that someone is selling a small chunk of their portfolio to fund their retirement, it doesn't mean that they're betting VOO will go down. If I reallocate my portfolio and sell part of an overweight position it doesn't mean that I'm betting that the stock will go down. If I sell an out of the money Put on a stock because I'm comfortable buying the stock at a discount if it closes below my strike price than it doesn't mean that I'm betting the stock it going to rise.
> (ITDI) ishares 2065 target date fund ETF; $100.00 (6.66%) As you are investing so actively you don't want this one. This one is for people who don't invest actively and automatically re-balances. For instance, it owns bonds you don't want right now. You are 19. Just rebalance this to VOO or similar and you are good to go. As you have started so early you will be doing well. You could literally just VOO and forget, and if you keep up that $1,500 a month, especially at your age, you'll be doing great.
I think my cousin timed the top. He sold 600k of VOO yesterday.
Feels great sitting in 90% SGOV 10% VOO. Think i'll buy more VOO when SPY under 500 and then again under 400 in a few months
Not necessarily. It's meant to highlight the confusion around "diversification". VOO and SPY are the same thing. By owning only them, you are betting that a small group of U.S. tech companies, which are already overvalued imo, will continue to outperform other companies or industries or even geographic regions. You also want a higher % cash in a high yield savings account or wherever you keep the emergency fund unless you're a multimillionaire and 1% of your assets translates to a large number.
> I'm not a fan of the Boglehead-style "put everything in VTI" approach — I'm looking for more detailed, sector-aware input from folks who actively manage their portfolios. By "diversifying" across so many sectors you've effectively made your own custom "VTI". Technology is roughly 30% of VOO or VTI and you're right in the ballpark. Don't see any point in you trying to manage the mix on your own. When people go "anti-VTI" it's usually for a mix of indivdual stocks and/or some income ETF's; and also some amount of VTI/VOO. You can sell some stock in your low income year to get a little bit of a tax break. But I wouldn't liquidate a good position simply for a one time tax break - sell when you want to sell. A one time tax benefit on ladder system doesn't amount to so much when you calculate out the numbers - if it was a recurring benefit sure it adds up.
Why buy VOO now when 🥭 will keep it volatile? Buy VOO at the bottom in four years. (Not fin adv)
I think I'm finally done. Lost like $500 over the last week when I was still bearish expecting dumps but dumps never came. Then last night I finally say "ok I guess we're completely disconnected from reality in the market, guess I'll go long" only to lose more money overnight. I'm just tired of it. I put everything in SGOV and will continue my weekly DCA into VOO and will only open the app once a week. Trading is impossible and way too risky in the tweet economy where algos run the system and we do regarded economic policy for no reason. I'm over it. See you guys in 4 years
It's hard to miss with having some gold in your portfolio. But having primarily gold is a different story. Having a solid mix with stocks, ETFs, bonds, or gold will get you further, IMO. Something like 70% ETFs (Like VOO), 15% bonds like the ETF BND, and 15% gold would be an excellent portfolio. You're benefiting from the growth of VOO, the stability of bonds, and you got your gold position in there as well.
DCA into VOO, noted. Im not planning on pulling out my crypto at the moment (currently im 400% green), but to diversify. crypto investments will now be put on hold. for some time, will probably let them sit for one or two more cycles. thank you for your answer.
I sell OTM covered calls. I treat them like limit sell orders that pay me if they don't trigger. Premiums get invested into VOO. Time decay is a beautiful thing when it works in your favor.
Keep your main position in VOO and contribute to it weekly, untouched. If you want to speculate, put aside a small amount to buy short dated puts.
Fartcoin >>>>>>> VOO
Commenter1: QQQ all in, bro, what are you doing with all that unused cash? Sell a quarter of QQQ if you need the broccoli cut this Saturday bro the market is up anyway Commenter2: nah, go with QQQM for lower expense Commenter3: rate my portfolio (VOO 49%, SPY 49%, BND 1%, HYSA 1%), all growth bro
The smart thing would be to buy Bitcoin but you can also be stupid invest in VOO or things like that and stay poor.
Get a Roth IRA with fidelity. Pay yourself first and dollar cost average as much as you can spare into VOO
Life insurance investments are a way for companies to make moeny off of your money by investing in safe assets and taking a large cut. In short, they are a scam. Stay away from whole life insurance. As for IRAs, they're great. First you want an emergency fund of 3-6 months of expense before you worry about retirement, though, as well as planning for buying a house or other large expenses. Only then plan for retirement. When you do, invest in a tax sheltered vehicle like an IRA or 401k to maximize your tax savings. And now, to answer your question, put your money in a broad-market index fund like SPY or VOO and forget about it for 30 years.
Open a Roth IRA, deposit the money, and buy the stocks you think will be around and doing well when you retire. If you’re not confident in your picks, you can buy a market index like SPY, VOO, or QQQ.
> Are Index Funds truly safe Depends on your definition of “safe”. - If you mean “can’t lose money” then no, index funds absolutely are not safe. - But if you mean grow over the long term (decades not years and certainly not months) then yes index funds are “safe”. > For those who invest in only index funds, what people think that they will truly continue to go up forever, albeit going down and up at times? A broad index fund will, by definition, go up as long as the world markets/economy continue to go in a positive direction long term > What is there to suggest that some new financial tool will not replace index funds? What is there to suggest that some new tool *will*? Don’t deal in hypotheticals, deal in reality, and the reality is that broad market index funds have grown immensely over the years. > Is VTI and VOO truly that safe? Well, there’s obviously the risk that the US doesn’t always outperform the rest of the world, which is a practical impossibility. So owning a globally diversified portfolio is also important. > For those with a long time horizon, will these index funds truly keep going up? As long as western civilization exists, yes an index fund will continue to go up. It has to. > If they’re 270 today, can we expect 2000 plus in 40 years? You can reasonably estimate 7-8% average annual return if you want to be on the conservative side.
Correct. Betting against VOO and thinking VT or VTI are going to dominate is going against everything we've ever known over the past 80 years or so. No one knows for sure but I don't see signs that there are fundamental shifts ahead. Either US factories once again dominate or we stay pretty much the same; there will likely be shifts in job markets this term but we will still hold most of the money bags.
You have a mix of winners and losers. Punch every ticker into your stock app or equivalent to iPhone. Look at all the performance of them. Anything that is a loser just dump and put into cash or VOO etc. Even ones that have been long term winners like NVDA should and can be liquidated IMO (ideally months ago). It’s a Roth it’s completely liquid and you can always add a position back in if you were so inclined. Based on your stock list it is *more* than likely that grandpa didn’t fully keep on top of everything in his old age.
VOO. Reinvest the dividends and don’t touch it no matter what.
I wouldn’t do crypto. Warren Buffett, Charlie Munger, and Bill Gates all said they don’t like it as an investment but some said the technology behind it might be useful. So there are three billionaires with way more money than you that all said it’s a bad idea. Since you are new to investing stay the hell away from individual stocks. ETFs are where you need to be. The default answer is to dollar cost average into VOO. Hold through all the ups and downs and reinvest the dividends.
Before the tariff war I was 100% VOO. America is simply the best place for growth and I truly believed that. Unfortunately we have idiots that want to fuck with free trade and politicians who's job is to perform checks and balances are failing at it. I'd stick with VT now. It's weighted by market cap too so if/when America's global market share contracts it will be reflected in VT composition so you don't have to worry about anything.
You could put it in a low cost S&P 500 index fund. This is one of the basic things you could do as a beginner. It's how most of us started investing in the stock market. As you get more and more comfortable (and learn more about investing), you can branch off into individual stocks and options trading(advanced and risky trading strategies). Once your money grows then you can branch of into real estate and other investment strategies. However putting 12k in a low cost S&P500 index fund like $VOO is what I would recommend for a beginner. This way you are getting introduced into world of investing with a potential of 5-7% annual return without risking too much. It's very hard to get that kind of return( without taking too much risk) elsewhere when you start with just 12k. In case you don't know what a S&P 500 index fund is. S&P 500 is a list of the top 500 companies in America. This is an ever-changing list. By buying a share of an S&P500 index fund , you are effectively investing in all the 500 companies. One of the easiest ways to invest in the stock market for a beginner. There are various index funds. $SPY is probably the biggest S&P500 ETF but $VOO is probably the cheapest and what I recommend for you. They both track the same 500 companies etc
BREAKING- Sources say next Fed head is likely to be Chad LaxBro, an exotic CDO trader from wall street. Stonks advisor for entire country is going to be Ric Flair, considering his unwavering support to - VOO - throughout his career.
US, early 30s. Individual brokerage account aimed at long term horizon (have separate 401k heavy on s&p500). Please rate my ETF portfolio which currently has an even spread of the following. What can I do better? Any other market sectors I should look into? Thanks! XME XAR VIS VDE VDC VB VOO SMH IAUM SIVR
If I were starting over with a $2000 initial deposit I would buy $200 of VOO. Or any other SP500 ETF. I am not a fan of not knowing the price of what I am about to buy and avoid mutual funds whenever possible. Art
Why are you interested in this? VOO and chill is less volatile than BTC and chill. But they basically work the same. Make a plan, set to auto, sell when you have something urgent to pay for. The penalty for panic selling BTC is wayyyy bigger.
If I had bought VOO when I started investing 5 years ago? I’d be up 110%. But no, I got addicted to options like a crack fiend. I am down 60%.
I sold every "loser" I had and bought VOO at $469 a share. I trusted VOO to recouped losses faster than the individual stocks. That was 62 shares. I also bought an additional 17 shares because it's too cheap not to. So I hope so.
If you are actually concerned about the risk, then yes: Stocks and specifically index funds are a very good idea. Investing in diversified index funds like VTI or even VT *should* result in gains a few decades down the line. If you have more strong opinions about the kinds of stocks you want, you can invest in more specific index funds like VOO or QQQ. If you want safer investments, also consider bonds with the safest being short term Treasuries (including money market funds) and the riskiest being so-called junk bonds. There are index funds available for these too.
I'm in VOO and cash now, made a year's worth of gains in 7 trading days. Things don't feel right, y'all can have all the sick gains tomorrow.
Selling my second round of calls, back to VOO and chill.
DCA, buy 10% of what you have monthly on VOO and SPY. With my luck, this shit will tank by the time I run out of cash.
Makes no sense that Weekly VOO calls are up even though SPX is basically at a wash from y’day.
I mean, almost every major ETF will have TSLA. Don't be political with your investment choices. Just buy VOO/VTI/VT and chill.
Berkshire went down by 45% between January 2008 and February 2009. Love the company and leadership, but no one is immune to fear or a recession. Cash will not have those drops but will get devalued over time due to inflation. I also rebalanced a bit into cash before these market drops, and was in the process of a rollover that took me more cash heavy than that. I’ve already put a decent amount of it back into VOO at lower prices. I’m not trying to time it trying more a metered injection. Berkshire is up 13% over the last 3 months. So if you sold other assets which have gone down to buy Berkshire that’s gone up, you’ve not necessarily protected that money any better. If you buy the same assets that have gone, ideally a low cost index fund or something, you’ve baked in the gains. Just wanted to share some cons and alternatives going “all in Berkshire”.
Dsmn you suck at this. Maybe stick to buying VOO
Its fine if you have a seperate fund. Drop defense stocks, they are included in broad index funds. You also don't need that many index funds, VTI is enough, you can also go VOO+EU stocks. I'd go 70% stocks 5-10% btc 5-10% gold rest bonds. Its all about your personal preference. Your goal is to take maximum possible risk withour losing sleep at night and panic selling at every dump, like people on this sub. BTW major investment subs are notoriously cluless and butthurt about bitcoin. Don't listen to them.
OP all joking aside start putting your money in VOO and never look back. If 70k is all you lost in the market you’re doing better than me. I’ve done worse. If I would have invested in VOO at 24 I would be retired today versus just being plain old retarded.
Hey, cool project , I’ll throw in some info from what I’ve seen! I'm in the U.S., and here mutual funds and ETFs are huge , but ETFs have been taking over the past few years because they're cheaper and more flexible. You can buy everything through apps now (Robinhood, Fidelity, Schwab, etc.), but a lot of people still go through big banks or brokers if they want full service advice. Regulation wise, we have a ton , everything's under the SEC, and funds have to disclose a crazy amount of detail in prospectuses. There's been a big push toward transparency because of scandals in the early 2000s Culturally, younger investors here trust passive investing (like index funds, think VOO or SPY) way more than active mutual funds. Most people under 40 lean toward passive growth strategies instead of picking fund managers. Also, retirement accounts (like 401(k)s) are a huge driver of fund investing here , so a lot of people are in mutual funds without even actively choosing them, just through their jobs. Hope that helps a bit , good luck with your research!
I’m not seeing the point in this really, I’d just do VOO in everything if you’re only 25. That’s being relatively aggressive but still not so much so at 25.
If you don't need it for a few years, just buy VOO and let it ride the wave, it will gradually go up over time with some ups and downs. Or just keep on buying CD's or Bonds for guaranteed interest. A high-yield will get you around 4.5%, so see if any bonds can beat that.
Berkshire has dozens of businesses. It is effectively identical to the sp500 index. In fact BRKA and VOO have same return for the LAST 20 YEARS. but it can fall 50% as it has done many times in past just park it in JAAA at 6.2%, no default risk, then when market down 33% from peak put in 1/3rd of the cash , then if down 50%, put in the rest. It's close enough.
It’s a great time to buy into an S&P 500 ETF like VOO
Bro just buy VOO and by the time you’re 30 you’ll make back all those losses + gains
panic selling VOO of all things tsk tsk tsk
Lump summed 7K when VOO was at 561 panic sold at 502 and got back in at 502 again lool https://preview.redd.it/k64j81skaoxe1.png?width=711&format=png&auto=webp&s=aa828707865b3e1d06ec55fc9fee14ff9311cb0b
Quit and put the rest in VOO.
You just gotta love "alleged" traders who mess with the- SPY, SPX, VOO, YMOO ,ESOO, NQOO, ES, NQ, YM, MES, MNQ thinking that they know something because they read an article on how to make money in the market. Welcome to the BIG LEAGUE, this is no longer CYO or YMCA ball. The name of the game is called Analytics, and you have not an ounce of it.
Sounds like you got it all figured out. Be sure to know how to check historical performance, click the button to compare to benchmark. I suspect it will show you all your machinations would have been beaten by VOO and chill. You will learn. Best of luck.
Is not hypotheticals, is literally what happens in 2000s… and no I’m not against Index investing… just pointing out on that … so people in here are all in 100% VOO huh?
"what about having 2 M In GLD- it 300% to 6M, while stocks crash 50%" I'll leave hypotheticals to you. I'll keep DCAing in VOO, thank you very much. Once I don't have the cash flow to keep DCAing, I won't be so heavily in VOO anymore.
Canadian. 40 years old. 25 years (or less - hopefully!) until retirement. I understand I'm a bit underweight in international equities. Tariff situation aside though, I'm very bullish on US equities long-term. Would welcome any feedback! VOO - 50% QQQ - 20% VXUS - 10% VWO - 5% AVUV - 5% SCHD - 5% ROBO - 2.5% GNOM - 2.5%
The best method is to get a fuckin job and live cheap and put as much as you can into VOO and dividend yield etfs
BTW, I think I might start wheeling RDDT, or even so, lets say you want to invest in a stock, you can just enter via puts vs buying, buy don't have to sell CC's once assigned, eg for your VOO or whatever you might want for growth stocks. I might not sell CC's on RDDT and hold, we shall see...
Yes, it is known. VOO has a 100% success rate, yet people still try to time disasters and lose everything.
It's far better to hire a dog. Buy VOO whenever the dog shows normal dog behaviour. Whenever the dog shows abnormal behaviour you sell some VOO to pay the vet.
Reddit would have you believe the sky is falling, and that any day now the entire stock market is going to crash. I’m not going to tell you what to do but I’m in my 30s as well and I just continue to buy VOO and VTI. This question may be better suited to r/personalfinance
What is the opportunity cost for short selling? If I have a good investment, I can buy more if it, since I receive money from the short. So sell TSLA for $10k gives me the chance to buy $10K worth of VOO.
The only winning play is to DCA VOO like the regards at r/etfs and not open the app for 4 years
I means you, specifically you, should invest in VOO and chill
How much do you spend per month? Open an Excel sheet and write down how much you spend on rent, food, leisure, transportation, everything. Multiply the sum by 10x. This will be your emergency reserve. You will not invest this money in the stock market under any circumstances. If you don't create this emergency reserve and instead put all your money in the stock market, imagine if something happens and you need money and you're forced to sell stocks to get money, and that period coincides with the market being down. You'll be forced to sell at a loss. This is how people lose money. To avoid losing money, you need that separate emergency reserve. But you don't want to keep that reserve in your bank account either because your bank doesn't pay an interest so your money gradually loses its value to inflation. Instead, you can move this reserve into another institution that provides a High Yield Savings Account (HYSA). Right now you can earn 4% just by keeping your money there. An alternative to HYSA would be purchasing a stock called SGOV that's not really a stock but more like a stable bond that guarantees you won't lose money. You will get the same 4% with SGOV. So why choose SGOV instead of HYSA? The interest you earn from SGOV will not be taxed by your state; you only pay federal tax. That was about your emergency reserve. The rest of the money can be invested in the stock market, specifically in ETFs. The fewer ETFs you buy, the less money you pay to companies that run those ETFs. You only need two ETFs: VTI and VXUS. VTI is the total U.S. stock market and already includes big tech and S&P 500. You do not need to buy SPY or VOO separately. Only VTI. VXUS is the rest of the world. If you lookup the past performance from the last 10 years it may seem like VXUS is a waste of resources because of lower returns but that's a trap. It's important to be diversified. You can go with the lump sum approach and spend all the money (minus the emergency reserve) to buy stocks now, or you can Dollar Cost Average (DCA) by scheduling regular purchases of small amounts. I do the latter for psychological reasons. If you're impulsive or hot headed or an emotional type of person, go with the DCA approach. Everything I told you is something that I personally do and it's not financial advice coming from a professional advisor. I am not an expert. Right now, due to market volatility, most of my money is parked in HYSA/SGOV. My portfolio is 60% cash (HYSA/SGOV), 30% VTI and 10% VXUS. I plan to buy more stocks toward the end of the year. Do not buy stocks of individual companies like Apple, Microsoft, Tesla, or some random company. There is a higher risk of losing money. Only buy ETFs. Do not buy gold. It's highly speculative and the price can dramatically crash at any moment. Do not buy cryptocurrency. Do not buy and sell stocks, you will waste time and in the end lose money. Only buy and hold. You are not day trading, you are investing long-term. Do not waste your time on YouTube videos or websites where smart-looking people show you complex charts with green and red lines and predict that this or that company's stock will go up or down. Ignore it all. You do not even need to read the news. You do not need to check your account every day. Open a Robinhood Gold account and move the funds there. Keep some cash in your regular bank account for day to day expenses. Keep the emergency reserve parked in Robinhood Gold and do not invest it in the stock market (but buying SGOV is okay). The non-reserve money you have just moved to Robinhood Gold can be used to purchase VTI and VXUS. At this point you'll choose your approach: lump sum (spend all at once, not recommended) or schedule an automatic small transaction every Tuesday (what I do). Your $200,000 is not enough to earn a regular passive income high enough to cover your rent and monthly expenses. It will earn you $9,000 per year at most. This is why people invest their money in the stock market. While a stable HYSA can give you an annual 4% return split into monthly installments, a stock market is usually double or triple that amount. But with stocks you don't get that money in monthly installments so it's more like a buy-and-hold retirement thing. Do not bother with "dividend" stocks, don't even Google it. I recommend doing more research. Again, I am not a licensed financial advisor. I recommend Robinhood Gold because of its simplicity. Only their Gold service pays 4% interest on parked cash. Good luck.
Appreciate your honest response here! I used to be a big VOO buyer, but sold all my long positions at the ATH and held some cash until the dip earlier this month when I dumped it all into VT. Hate to average up so much before the tariffs actually start impacting stores, but other than getting “lucky” earlier this month, I’m mostly an idiot and recognize this market is also idiotic. I don’t trust myself to actually make two smart/intuitive decisions in a row here.
FRIENDLY REMINDER TO BUY AND HOLD VOO INSTEAD OF BEING A BROEK DEGENERATE GAMBLER https://preview.redd.it/41l1chza5lxe1.png?width=1466&format=png&auto=webp&s=6866cfe05dff5aeec59d7d904bed11b955bc88d7
Stfu and buy more VOO while it’s still cheap!
at this moment I'd say VT. six months ago I'd have said VOO.
Smashed the sell button on my calls, huge profit. It's someone else's problem now. VOO and chill, GL all!
I said I would sell my calls if DPZ showed consumer weakness and it did. I'm a man of my word. Back to VOO.
Warren Buffett sold all of his VOO and SPY end of 2024.
I buy VOO monthly and I don’t look at it. There are a handful of brokers that will automate this for you. Set it up and just don’t log into the app. I retire in 30 years.. I don’t really care about the day to day price.
Put all 80k into $Hood shares. You’ll have 120k after their earnings. Then sell and put it all in $VOO