Reddit Posts
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
Mentions
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? I will also note wash sales do not count between different stocks. Its not a wash sale to sell Wallmart and buy Costco or sell exxon and buy conoco Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index
Well if you want to replicate the S&P500 you do not have to own all the stocks If you hold 250 stocks in the S&P500 chances are you can pretty accurately replicate the returns pretty accurately as long as you hold a good cross section of the index Also you can switch between like stocks, like you can hold exxon for oil or energy exposure , if there is losses you can sell exxon and buy conoco However yes ; at some point you will have drift, your direct index may not exactly match the returns of the actual index Maybe you outperform maybe you underperform . However the theory is the tax savings make up for the drift away from the index However that being said I really am not a huge proponent of direct indexing , like sure if you have 10 billion dollars setting up a family office and paying a manager a few million a year to direct index might actually be cheaper than buying VOO If you have 1 million , I am not convinced its a benefit , index funds like VOO are very tax efficient anyway ; the only way I see its beneficial is if you have large stock holdings with huge capital gains, like you are a META employee and have 1 million of meta stock that is almost all capital gains , and you want to diversify and buy into the index Well if you can somewhat offset your selling of meta stock with losses from direct indexing it might make sense, for the average investor I do not think it does
> You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? There are a few things being mixed together. The "substantially identical" and wash sale issue typically refers to *funds.* Like VOO, IVV, and SPY; all S&P 500 tracking ETFs. Those would probably be considered substantially identical, whereas a total US market fund and S&P fund are *highly correlated in price movement* but not identical for composition. Individual stocks themselves aren't substantially identical, other than maybe some edge cases I haven't considered. Exxon and Chevron are in the same industry, similar-ish market cap in the grand scheme of things, but they're still two totally separate companies. I can't speak to the rule sets in place in the major brokerages and how their tax loss harvesting engines work. How they decide to sell X holding and buy Y, and what subset of say a US large cap index. I can say though that the results can be substantial. Last year I had ~9% of the account size in harvested losses while tracking the S&P.
DCA, switch to 100% VOO below 200 SMA, 1% tolerance band. Its been above most of the year though and the 60% doesn’t include money I added this year
How. Just put money in VOO and don’t touch it. What are you doing
“I just don't know how to move forward and rebuild from here” “It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up.” You know. You just keep fucking up. You are still young with a great job and a hard lesson. You got this! I lost over a million dollars at 53, get me down everyday and I keep picking myself up. Chin up.
Don't sell! I sold a bunch of VOO during covid 5 day crash lol.. so dumb. Just keep buying VOO and if you're able to have cash reserve to buy dips, buy the dip. You'll be so loaded by the time you're 40 if you are patient and just buy the dips. When crypto goes up like crazy, sell that and then buy it back after it crashes. Dont treat index funds like crypto.
So if you have a million of VOO. You can’t sell Walmart to buy target. You have that ability if you directly own the stocks. The find manager will have a methodology, Coke Pepsi, Walmart target, Apple MSFT, whatever. When there is an opportunity they will sell the one down and cover the allocation with a similar stock from the correlation list. It isn’t magic, it is just taking advantage of the tax code. The allocation will track sp500 or whatever, and have the ability to harvest losses. It is too much work for a novice to do manually.
You’re naming the problems yourself. “No strategy”, “a bad trading problem” , “buying garbage stocks blind” , “I know I should just buy VOO and a few other index funds” , “I keep fucking up”. Self- awareness is the first step to access. Stop being stupid, devise a strategy and follow through. Change your perspective and stop viewing yourself like a piece of shit but as someone who will win. You’re 33- your life’s far from over. 10 years of strategy and discipline and by 45 you could be flying.
You literally said it in the fucking post, buy VOO and a few other indexes, gambling when you don't have a retirement fund that's way up and a fully funded emergency fund is just plain stupid. You should be fucking embarrassed, for someone in your tax bracket to have nothing is just pathetic
>I just don't know how to move forward and rebuild >I know I should just buy VOO and a few other index funds truly regarded.
Id get a margin loan to buy VOO if it ever reached a serious correction and I had no cash remaining, more deep than what we saw in march
Wrong sub. People here buy calls on high flying tech stocks, not VOO and chill
VOO? You need to quit breathing
33 is young. Get an IRA or 401k going. Get some QQQ or VOO. Stop trading and buy investments you want to hold long term.
VOO is great for a buy and hold, but since you seem to want income, could invest into a blend of SCHD for long term dividend growth and maybe some options overlay funds for immediate, high-yield distributions. Sorry for your loss. Investing is the way to go vs trading for most, myself included. I've been much more successful with it. Good luck.
I have lost $30,000 since liberation day in my one account. I have lost maybe another $15k maybe in other accounts. Every time I think about it I brake down out of shame. Before the chip stocks really started going bananas I had developed a system that was working well. Not huge gains, just enough where I was considering making a day job of it. As stocks blew up with the Ai craze my success rates went down. The last 9 months or so have been so brutal that whatever I was putting money into would reverse immediately. I could take a small loss and it would reverse back or I could try to wait it out and the losses wouldnt stop until I sold, at which point the security or option would reverse. I tried selling calls and puts and everything is so volatile that the option would go ITM and then close to break even. So I would roll out the option and the stock would go the other way. Id lose premium until it wasnt worth doing. Even today - the constant downward SPY trend - i buy one little just OTM put and that is exactly when the reversal started. I had VOO shares slowly losing money for hours so I dumped them and IMMEDIATELY after it there was a $1 spike. These are all small losses but they have added up. I know I over trade but like I said, what I buy starts losing money until I sell. I have been trying to scalp a bit here and there. I’m down to $56k in my retirement. Im about to be 47. If I had never touched my accounts I’d be doing alright for my age. If I think about all the losses I want to kill myself. I put $19,000 in a target retirement plan but Id be losing even more if I had all my money in that. Now I feel like I have to trade to make enough for retirement. Had I done better I was going to take a small early distribution to help fund a divorce so I could escape my awful marriage. I am considering doing a YOLO trade or two but I would off myself if it didnt work out and I am not quite ready to put myself in that position yet. Also, I’d hate to blow that money when I could just leave it for my family. The market has turned into one big suicide machine. I don’t know what happened - i cannot figure out why I became so fucking bad at this. I have wasted so much time. I dont know what to do or how to bounce back. People do it all the time here. The “cursed” feeling has killed my risk tolerance. If anyone is still reading this I could use some advice.
I lost about 100k trading before I learned that I’m better off just VOO and forget it
Right so more like 150ish. I'd definitely sink like 20K into VOO or similar before gambling so I had some guaranteed returns.
“ It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. I just don't know how to move forward and rebuild from here” You basically answered your own question .
Day trader or often-traders are very difficult to make money. It’s really for those who live for the adrenaline. The tried and true method of saving and investing as much as you can each week, each month, into a VOO type will get you to be multi millionaire. It’s boring but long term 20-30 years it works.
You’re young. Stop gambling imo, and invest in Roth IRA, ETFs like VOO, QQQ live below your means , be a millionaire w no debt by 50
You clearly don’t know you should be VOO if you aren’t fucking buying VOO
You absolutely do know how to move forward and rebuild from here. Stick it in VOO and leave it alone and go get your dopamine hits from somewhere else. Unfortunately, you sound like an active addict and will probably need dedicated support and/or a psychologist before you are ready to actually stick it in VOO and leave it.
Why wouldn’t you just put the money in VOO or SPY???
“I know I should buy VOO” no you don’t plz be serious all you know is how to lose your money lol
Stop gambling and get a plan. DCA and hold VOO or SPY. https://preview.redd.it/5l6zcxdxbxvh1.jpeg?width=1125&format=pjpg&auto=webp&s=dabe1d834bf209fc1540c8fcbeebcd203c028d93 I sold this for profit later but know it would be worth 40k more now. Get a good entry and plan the exit. Then rinse and repeat. 🔁 Stay away from MEME stocks and garbage.
I had -$30k when I was your age. 10 years later I’m at $1m through buying and holding VOO. You’ll be fine if you start investing and stop gambling
Ride. Don’t try and time because when you are out, it’s mentally hard to get back in. Also, it’s hell here. VOO and chill is so much better for your mental health.
You’re still pretty young, and you can rebuild, but you’ve gotta learn from this! Good investing habits are pretty boring. Chasing that dopamine hit and the promise of quick money is an easy way to lose it all, and hell, you know that now. Focus on building an emergency fund, living below your means, and dollar-cost averaging into VOO or another S&P 500 ETF. Keep it simple, stay consistent, and let time do the heavy lifting. You don’t have to get rich overnight. You just have to make better decisions consistently. You can come back from this. Just make sure you learn the lesson and don’t repeat the mistake.
From here you should move forward and rebuild by just buying VOO and a few other index funds, you know?
Gambling addiction is hard! You have no different struggle than somebody with that. That’s what this is. For now, maybe a VOO is just the same as an alcoholic saying “just one beer.” To prevent yourself from temptation, disable your account, reach out for help. Even if you need somebody to hold onto your money, I don’t know how that works right now but thank god you are still employed. If anything, maybe replace your addiction with another. If you want, try to get into video games or something. Something to still get addicted to but that won’t cost you so much to get a thrill out of. Reach out to friends, family. Build a support system. Hell maybe take a big mushroom trip. The reset may give you a window where you can actually detach because the throes of addiction hijack the parts of our brain that seek reward. Your reward system is hijack. It’s no easier to give up what you’re doing than somebody’s deeply addicted to heroin!
You just do it in a boring way. Cut your spend and invest as much as you can into VOO. I’m 30 and I feel behind sometimes with my 300k in the market, even though I know it’s dumb to think that way. I think it’s just a sense of concern of we just want to have wealth now since things r so hard now
We all learn from past mistakes, odte options are super risky but also rewarding. Choose some great dividend paying stocks like schd VOO VTI, Pfizer , ford …. And keep adding to those and gamble odte on the side with money u don’t regret losing 😂👍🤷♂️
Buy something boring like VOO SCHD or even SGOV and nothing else for a few years. Have a milly in no time
"I make 10k a month after tax" and "I dont know how to rebuild" makes no sense. You even said it yourself.. buy VOO. Literally just DCA every month into VOO. Thats it. You have found the solution. This isnt a big deal you will be fine.
stop looking at the numbers. You have a $120k annual income which is more than 95% of people. set up auto invest to VOO tomorrow for $2k. Delete the trading apps. Walk away from the screen when you feel the itch. You are not stupid, you are an addict. Treat it like one or quit gambling entirely and let your salary do the work
You seem to know exactly what to do but choose not to. Buy VOO and a few index funds, learn from your mistakes and stop repeating them. Not saying this in a judgmental way, but sometimes you just gotta hear it straight.
"It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. I just don't know how to move forward and rebuild from here" You already found the solution. Stop gambling and follow through.
Honestly, I’m in the same boat as you, and this last week has been really brutal on my portfolio. I’m thinking that it’s time to sell the rest of my individual stocks, stop touching options, and just stick the money in VOO. I have a similar salary and can realistically save 5k a month- and I know that because this year I shoveled 5k a month into Robinhood and have very little to show for it. Let’s turn our stories around and build wealth the slow and steady way. Feel free to DM me if you want to support each other
97% still winning. MSCI South Korea national ETF still up +71.19% year over year as of close today. Most of their long term wealth is the equivalent of VOO-and-chill, so yeah, could you imagine SPY being up 71%, even today? They've still good and things are going to have to unwind a lot further before families start locking in gains.
You have a small trading account. In jan you give yourself 10K a year. Not allowed to add to it the rest of the year. All other funds go into qqq or VOO. Trade as much as you want with your trading account and follow your rule of never adding to it. Eventually you won't even want a trading account because you'll see trading everyday as a stupid.
You take 2K a month and put it in VOO and in 4 years you probably have like 150K in there just chill man you will still be way ahead of most people. Stop being a dipshit though for real grow the fuck up.
We all learn but you had 13k and didnt even buy VOO? Stop 0dte and do swings
That's okay bro, just keep saving up and put it into a safe bet like VOO or XEQT for now. Options are good but buy ITM/ATM leaps at least 3 months out if you are going to buy them. Oh and look at the 1D/1W/1M charts to get a general idea of the play.
"sold everything went into VOO" 3 more of those and were good
Cashed out of VOO and QQQ this week If Anthropic and OpenAI have no clothes, I think things could get ugly
Just VOO and go enjoy life
literally not sure ive everr had a decent green day. ive bought the top of everything. throwing everything into TE calls for late nov and praying. fucking shouldve just bought VOO and deleted the account
Yrah not ONDS lol Companies that are already profitable isn't a wallstreetbet though, I already buy VOO.
I just put in another $2k in VOO because of your post. It’s a small dip, but at 25 you should just try to shovel in as much as you can for now
My guy take half, shove it into VOO. Then play option with 5k, buy powerball with 2.5k and the rest put it all on red at roulette. If none of them hit alteast you have VOO.
I'm a fan of VOO, in Europe we need to use SPYL instead though
Yes! But you wear them on your legs. VOO is a classy choice but some look good in a more modern QQQ
You picked all AI stocks, that's way too risky to put all eggs in one basket. Buy VOO or some World ETF and log back in in 2-3 years.
Cash gang will buy at -10% VOO we don't negotiate with bull terrorists
All my positions except VOO are down like 10% lol
It is incredibly hard to beat VOO but it seems like you really have no clue what trades you’re making, and it’s cost you a ton of money. You would literally have more money if you had done nothing with that 5k than put it into the trades you made. Investing is a marathon not a sprint. Have patience and let compounding interest work for you.
Literally your remaining port is why I am gambling here... to try to get there faster. If I had that number I would retire today and live off fucking VOO the rest of my life instead of working a miserable job 50 hours a week and never seeing my wife. Your current port is my life's goal. You're already there, what do want that you don't already have?
VOO and chill bros in absolute shambles
Recommend me a book please. I have “one up wallstreet” and “swing trading for dummy” in my queue. I use to put my money into VOO but backed off from recent surge in AI bubble fears
Most people can't outperform VOO. That's why VOO and other ETFs are popular. If quickly making a fortune in stocks was as easy as reading a reddit comment and jumping in, everybody would be doing it. It's bizarre to me that so many people don't understand this and choose to gamble their money instead. Some people get lucky yes, but most people don't. So unless you develop a magic formula, for almost everyone the best option is to just pick an S&P tracking ETF and feed your money into it and wait. There's room for some fiddling around: for example If you understand a particular area of the market really well, then more specific ETFs can also help you out, or maybe you want international exposure so jump in VXUS or similar. But ultimately for almost everyone broad market trackers are the best option, and for most people that means VOO. I've seen a handful of people get rich off trading random stocks - but I've seen a lot more ruin their lives. Meanwhile I've seen a lot of people get rich from investing in the S&P and being patient, and never have I once met a person who said "man I really regret investing in the S&P 10/20/20 years ago". Don't let greed ruin your future.
So is the best portfolio just 10-20% hysa cash for daily expenses plus a car-level expense and then the rest just balls to the wall risk assets? (Like VOO) I think this would give your regional bank advisor person a heart attack.
Most people can't outperform VOO. That's why VOO and other ETFs are popular. If quickly making a fortune in stocks was as easy as reading a reddit comment and jumping in, everybody would be doing it. It's bizarre to me that so many people don't understand this and choose to gamble their money instead. Some people get lucky yes, but most people don't. So unless you develop a magic formula, for almost everyone the best option is to just pick at S&P tracking ETF and feed your money into it and wait. There's room for some fiddling around: for example If you understand a particular area of the market really well, then more specific ETFs can also help you out, or maybe you want international exposure so jump in VXUS or similar. But ultimately for almost everyone broad market trackers are the best option, and for most people that means VOO. I've seen a handful of people get rich off trading random stocks - but I've seen a lot more ruin their lives. Meanwhile I've seen a lot of people get rich from investing in the S&P and being patient - and never have I once met a person who said "man I really regret investing in the S&P 10/20/20 years ago".
How do I fix it? I want to out perform my VOO holding and it’s pissing me off why can’t I trade and make money
Max out 401k and IRA every year, invest ~60% in VOO or VTI, 20% VXUS, 20% bonds Or 0dtes
Not necessarily equal, no, but I'm far from the first person in this sub to feel uncomfortable with how much influence a single sector holds on staple funds like VOO. Yeah, they're large cap companies, but they tend to move together because they're so tied up together, and that drags everything else down more quickly A fund like this maintains some investment there but increases allocation in more defensive stuff too, which I was considering as a protective/risk reduction measure against the ongoing tech selloff or the AI bubble burst.
I'm so demoralized, tempted to just take what's left of my money out or put it in VOO.
It only grew 100% in 14 years, so it is definitely not beating VOO.
100% growth in 14 years is only about 5% compound annual rate of return. That is significantly underperforming. Get your money out of there. Embrace "VOO and chill", and in the meantime start learning more about investing.
VOO and ~~chill~~ freak the fuck out nothing stable anymore
I have VB now paired with VOO, but my main concern is the 40% of VOO being tech
VOO and QQQ dropping but SPY and VIX fine?
Fuck yeah. But I fucked up bad. I made $160k saved in a savings account, then had a family medical emergency. “Lost” most of it on expenses and now I’m super screwed. Can’t find any decent SWE jobs that paid like they did pre-Claude. I don’t think I’ll ever be able to make that $160K again. My mistake is that I didn’t park it in VOO or BrkB. So fucked right now.
Bro, you are losing it. You need to just go VOO and chill.
I'm going to sleep. Please don't rug me tonight, i promise I'll be a safe investor and rotate to VOO for the weekend.
Just put it all in VOO and ignore it.
No shame, I simply sold my GOOG and VOO FOR SGOV, VXUS, RSP, and a tiny tiny bit of QQQM
Why not keep it simple and just invest in VOO?
Desperately want to VOO and chill but I know odds are this crashes by next year. And don’t you boggle heads tell me otherwise.
His advice isn't for us, it's for VOO and chill folks.
Agreed it cost money. If you want to effectively create your own ETF of index-1, sack up, and pay for it. The shoehorned indices via quick rule change have absolutely nothing to do with it. Doesn't matter if they come into the index today, or in 5 years. That transaction had two parties involved. The one who asked, and the one who gave. If you are principally annoyed, don't partake in supporting the stock that asked or the index that gave. But also, VOO is an S&P index and they didn't change the rules. So your point is moot to the OP's comment which is in relation to the S&P. But, the point of an index tracked ETF is to ignore the noise. So that's today's noise. Big woop. Tomorrow there will be new noise.
Thank you for the reply. Yeah, I just want to do one transaction per month or year. I prefer the simplicity and efficiency of “VOO and chill,” and also I prefer to avoid the risk inherent in the current SpaceX valuation, it strikes me that the merged company’s market weight is significant, so I want to understand what my options are (call me crazy). Obviously, I already own Tesla in VOO, but what weight will the new combined Tesla/SpaceX have in the s&p have when/if they merge?
An index like the S&P 500 weights by float-adjusted market cap, and a recent IPO usually has a small float, so the real weight can be well below what the headline valuation suggests. I’d check VOO’s actual SpaceX holding after any inclusion before worrying. A merger with Tesla would change the picture, since Tesla is already in the index and the combined company would carry a bigger weight, but I wouldn’t assume the mechanics until it’s announced and the index rules are applied.
shorting it would create a taxable event when you close, and you gotta keep rolling which is basically active trading, OP said they want none of that there's no clean way to do it without selling VOO or trading constantly, maybe accept the tiny exposure and call it a day
Then do it. (On the other hand, if in the unlikely event the management company has been significantly beating VOO since they started, stick with them until you have educated yourself enough to know you want to try to do better.)
\> This seems like a more reasonable, diversified allocation of sectors than VOO currently is, no? No
You haven’t stated a thesis or timeline for your investment. Are these long term plays (and they bloody well should be if you’re hand picking). I mean if you’re doing individual stocks at this level then you’re exposed to the whatever comes to those individual tickers. That’s why everyone advised broad market funds like VOO, VTI etc. Also if you’re investing in individual stocks, it means you’ve signed up to basically completely write off losses if you need to sell when shit hits the fan. If you need that money anytime in the next few years, then recognize your mistake and sell now to preserve capital. Otherwise buckle up and enjoy the fireworks.
Sell USAR, IPGP, SMTC, and half the proceeds in VOO and other half in Government Bonds: [https://investor.vanguard.com/investment-products/list/etfs?filters=open](https://investor.vanguard.com/investment-products/list/etfs?filters=open) The stock market is very long in the tooth and the yield on the 10-year bond crossed 5% (it's safer to invest in bonds than stocks at the moment). Best of luck.
start w $VOO or $spy and find your way Since you get acct built up branch out to individual tickers and some nine degenerate options I have trad IRAs, brokerage accts; and Roth IRAs and the latter u put the most risk in. other benefits for Roth’s are no wash sales, no issue w short term capital gains and much more man honestly, if you listen to WSB and just do Degen shit you’ll be here in 3 years w $200 talking about bers and bols