VOO

need20goodmen

🤡🤡🤡🤡🤡 The whole sector is down just relax these are highly volatile stocks if you can’t stomach the drawdowns stick to VOO, I’m down $65,000 but still holding and averaging down. This is market manipulation but if you believe in the company like I do nothing to worry about. Just buy the dip and check back in 5 years time. 🤡🤡🤡🤡🤡

liquidtv78

this is the endgame. would do VTI VXUS VOO though

Laureles2

You realize that the stocks / companies that make up VOO is dynamic, do you not?

TheObsidianHawk

Listen no one ever talks about dividend stocks. JEPI, SCHD, QYLD, VOO is the way to go.

Low_Plastic363

My Portugal index fund (no AI, just boring dead European economy shit) - +11.27% YTD. VOO/SPY - +11.42% YTD. It is literally possible that Mango has cost us +15% more with directionless fuckery. He could have just sat back and printed money for himself and us.

HystericalSail

Preparing to accumulate harder once panic sets in. I have my vertical time spread strategy to reduce cost basis on the few single issues I hold. I'm in the market for VT, VXUS and VOO. Equities may be dead money or even losers for a year or two, but when they rip they rip hard. In an inflationary world the only safe hiding spot is materials (once the economy stops being shaky) and companies with pricing power that increase earnings due to selling in inflated currencies. 5%, after taxes, will not keep up with inflation. Not even factoring in what will happen when currencies are debauched by extreme printing as a soft default on sovereign debt. Debt, especially debt out years or decades is a guaranteed loss just like it was during ZIRP. That's not an investment.

browhodouknowhere

Put it all in VOO... Don't stop until it's 100k in VOO

sadscully

VOO was supposed to hold me close and say everything was gonna be okay during bad times. stop looking like shit lmao

sadscully

VOO looks like shhhhiiittttt

dpatel211

What's a good reason to keep bagholding VOO + QQQM right now? Any fellow regards?

fakieTreFlip

My advice would be to take $1000, put half of it in VOO, and the other half of it in stocks you've personally researched and believe in. Then spend the next 6 months stressing out about price action and market moves on a daily basis. After that, rebalance the funds from the individual picks to VOO once you realize that it's not worth the time/effort/stress to manage a portfolio like that. I know this sounds like I'm being sarcastic but I'm dead serious. Most experienced investors will tell you to do the boring thing and put your money into a broad market ETF. They're 100% correct, but less experienced traders don't always listen to this advice, so the only real way to learn this lesson is by teaching it to yourself.

Adaun

Yes, all of the funds you listed are ETFs. The easiest way to summarize the difference is that mutual funds are a direct trade with the fund manager at the end of day price of the fund, while ETFs are traded between individuals at a floating market price. Think of an etf like ‘a stock of many stocks’ and a mutual fund as ‘a guy you’re paying to invest in those stocks that can only take orders when he’s not busy buying or selling those stocks’ Subtle, but significant, difference in market mechanics. VFIAX = VOO in holdings, but not market mechanics.

BlueCollarMillion

If VOO only returns 3% over a decade it’s because the businesses it owns are not performing as well. On average only a small portion of companies within it offer the outsized gains and this is very difficult if not impossible to predict. Trying to pick individuals and get it wrong will leave you far worse than if you just bought the index and waited it out. You would also miss reinvesting those dividends and buying more shares at reduced prices before the eventual recovery.

verified-trader

**BanBet Created** ▲ | Ticker | Target | Entry | Move | Expires | |:---:|:---:|:---:|:---:|:---:| | **VOO** | $850.00 (above) | $701.69 | +21.1% | 23h 60m |

Specialist-Life2569

!banbet VOO 850 1d

tldamico

Shout out to all of those VOO investors (of which I am not). How are things going over there?

Grouchy-Tomorrow3429

So I’m a little different. Let’s say I have a $3,000,000 acct. One option is to put all into VOO. I’d instead choose to put $1,000,000 into UPRO and get similar returns, I know it’s not exactly the same, but just giving you a simple example, and use the other $2,000,000 for other stuff. First you collect interest on the $2,000,000. Second you can sell almost worthless options and get roughly a 12% return on this. In reality it feels like getting huge dividends every month or like collecting rent income. But with the combination of the two, the monthly returns, help to feed the faster growth. And let’s imagine the market goes down 33%. The guy with 3 mil in VOO is down a million. Me with 1 mil in UPRO am down close to a million but not quite. But I’m still collecting interest and returns on the $2 million That’s relatively safe.

OnwardFeats

I just dont want to miss another big dip like in April. Have some cash for a dip that I missed in April. May just DCA into VOO and VXUS or something

Burtonwurton

I have been telling everyone that is willing to listen to NOT buy GOOGL until there is a catalyst with good buying pressure...sure you will "miss" the bottom, but its better to miss the bottom than baghold and continue to bleed money. If you are investing, then just go with VOO. If you are trading and really want to open a GOOGL position, wait for a catalyst that changes current sentiment.

GruntledV8Fanboy

My general “safe” holds have been VOO, VIG, VIGI, and some SCHD. I did semi-recently add some QQQ and am seeing how that does. Then I have 25% of my investment portfolio in individual stocks and such. My retirement account is in a vanguard retirement fund, S&P 500 Index Fund, and a couple other things but largely goes untouched and has managed well over the last 5 years. My personal investment account has tripled over the course of 6-ish years. The fact you’re looking at investing and planning for the future at 20 already puts you ahead of many/most out there

tldamico

LOL, VOO chart looks like the SPY chart.

CD274

VOO and chill people laughing over in their corner

Zealousideal_Look275

VOO is the correct answer 

CalebVanPoneisen

I’d like to know why anyone in their right mind would ever buy bonds. 3% doesn’t even beat inflation. Just invest in VOO or something and you basically triple your investment in 10 years vs a meager 30ish percent.

DependentPangolin818

I used to laugh at folks that said to just VOO and chill, Im certainly not laughing now.

divestblank

Trying to time the market will always under perform in the long run. A fund like VT will have more diversity, VOO is still fine. Active trading in a retirement account is probably a bad idea unless you know you are a disciplined investor. I wouldn't recommend it really. Most people will under perform the market, so better to have more gains in retirement account.

GeeDubious

VOO VTI VTI/VXUS VT Or comparable funds.

Remarkable_Cat_8696

Are these funds that are often mentioned here- VOO, VT, SPMO etc all etfs? How are etfs different from mutual funds?

Eazy12345678

VOO is good for most people. if you have more money buy some stocks. the key is diversify but if you get emotional and scared often and will sell at a loss just buy VOO and never look at it

TheJoker516

50% ETF (VOO or QQQ) and the other 50% you should go 5 to 10 stocks . Why? You just need to hit one of those for it to be life changing and you're young enough to weather the storm and overcome mistakes

FailOk1528

VOO is easy to love in a bull market. the real test is whether you keep buying when it gets ugly

No-Consequence-8768

VOO is a safe/mundane way for Old timers to not have a Heart Attack. Your only 20, why choose it now?

blorg

It's not AI, I compared Schwab vs Vanguard ETFs for my own investments. The list of top ETFs is just going down through that ETFdb list and picking the top fund for each category; that's how I got that. Crude but not AI. Look, I don't think we disagree on anything substantive. If you had just been clearer in the start that you were only talking about outflows from Vanguard's brokerage business, this whole thread would not have happened. When you said "4x the outflows that they do inflows in the retail channel, their retirement business has stemmed enough of that bleeding" almost everyone interpreted "retail" as retail fund AUM, not ACAT transfers out of the brokerage. I acknowledged early on your clarification. I wouldn't be talking about the brokerage business in my replies if I hadn't accepted that was what you meant. My point then wasn't that your stat was false, it was that it was secondary to their fund business. I have never used Vanguard's brokerage but I regularly hear it's difficult to use. I agree with you it should be better and it's a *theoretical* negative to their future funds business if they have someone move to another broker, it just gives that broker more leverage, sending you stuff to encourage you to use their products. It gives them an in from a marketing perspective. But that's all it is. If anything, the shift to Vanguard has actually accelerated since everyone went zero commission. Vanguard overwhelmingly has cultural mindshare on this. Reddit threads, YouTube, podcasts, it's always VOO, VTI, VXUS, VT, BND. No one is saying IVV, ITOT, IXUS, SCHX, SCHF. The reality is that Vanguard's core fund business is growing and money is flowing *in* to Vanguard.

RZDirInvest

It is a good and relatively safer advice if you don’t want to spend time and energy to pick stocks for long term investment. I would even say if you are young and have steady income for the long term and can tolerate volatility, putting money into SMH or QQQ or VGT may be a better choice. I wouldn’t say VOO is the best advice. Just my 2 cents. NOT A RECOMMENDATION.

VariationAgreeable29

Yes, VOO is a great play. There is so much to learn about investing that can mess people up, so it’s smart to park your money in an index like VOO while you get your investing sea leges. 20 yrs old is a GREAT time to get started (congrats!), so keep at it and go SLOW. This is still a bull market and there’s a lot of money yet to be made, so having your cash invested is wise. Do NOT get caught up in all the gain-porn on r/wallstreetbets and PLEASE do not get into options or leverage (exactly how Leopold lost $45 billion he was managing)

Gunk_Olgidar

VOO is perfect. Keep some dry powder to buy the dips. Put a small amount of money in a second "play toy account" that you can do whatever you want with. I usually do this in a separate retirement account so I don't have to worry about blowing up my taxes. Best advice I can give you: Maximize your Roth IRA contributions every year and stick it in VOO or a similar total market ETF. After 50 years when it's six (or seven) figures growing tax free at 10%+ per year... it's a lot of easy money. I'll be long dead by then, but you can harken back and thank me anyway.

kinetic_honda

Stick to VOO. Nothing wrong in having a small % in crypto, sure, why not. But, stick with buying VOO regularly

Polycold

Hi, fellow metal holder here so no shade there. But beating the market is not everyone’s goal. So if people didn’t have a financial advisor they might put all their money in VOO when that is actually not the right move for them. So the answer is sort of in your assumption if you know what I mean.

Paul_Robert_

$VOO

D_Pablo67

Start with $2k in VOO, $1k in EMXC, then DCA the rest over 6 months.

StepAsideJunior

You're not wrong. However, Financial Advisors aren't for regular investors like you and me. They're for wealthy people who have millions in assets. These guys don't cherry pick stocks in an attempt to beat the S&P 500. But for someone with $5 million, real estate, and business interests, the advisor's value isn't stock picking. It's tax loss harvesting, estate planning, trust structuring, and Roth conversion strategies. They save you more in taxes than they charge in fees. Tax Loss Harvesting is one of the most underappreciated feats a Financial Advisor does for their clients (saving them hundreds of thousands if not millions each year). Nonetheless, In the last 15-20 years there have been some changes in investing. Right now many ETF's like VOO are heavily concentrated in just a handful of companies. Investing in these ETF's is you making a bet on a handful of companies in the Tech Sector. There's nothing wrong with that btw. Previously, Financial Advisors would have you diversify your investments into Mutual Funds, International Stocks, Bonds, REITs, and other financial items in order to never take a massive hit when the market drops. Knowing which ones to invest in as a regular investor even 20 years ago wasn't always obvious. Another new reality in the market today that's different from say 2008, is that there are a lot more realtor investors like you and me in it. The introduction of apps from large Brokerages makes it easy to get into investing and this has led to crowd sourcing of knowledge due to the internet. ***TLDR; For someone with $50,000, a 1% advisor fee eats 20% of your average annual returns. But for someone with millions in assets a Financial Advisor is your best bet for securing millions more and growing your wealth even further.***

Shadowrunner138

Honestly, if 10k is your whole portfolio I'd stick to the VOO, VEA , and EMXC and skip all the industry specific stuff. Keep it simple and less volatile. Don't get into investing as a speculative hobby until you've developed a solid base portfolio worth worrying about.

Shkfinance

Hey. Since you havent really gotten much more than trolls on your post ill give you my view (I'm a TMT PM with 15 years experience managing over 1 billion in exposure). You are 22 that is your biggest asset. At your age the most important thing is regular contributions. The market will pay you over the long term. VOO on a regular basis will make you weathly. In spite of what you see on reddit the S&P 500 beats everything else over the long run. Its boring but its effective and the goal is to be wealthy. When your in your 30s start adding in a bond fund so you have 5 to 10% in bonds by the time your 40.  The all world funds dont generate the same returns as the emerging markets tend to drag overall.  The other option that works well is target date retirement funds.  The last thing I will say is that the first 10 years of regular saving and investing will feel real slow and it wont feel like your making progress. Stick to it and keep putting in the regularly (id recommend you work towards 20% of your income including any company match for the 401k i.e. you save 15% and get the 5% match from your company). 

WordsHappenedHere

VOO but aggressively buy the mega dips (more than 10% off highs)

Ble_h

The smart thing to do is VOO and chill. But I am a retard.

Low_Plastic363

There are risks for CCs and CSPs. \--If the price of CRDO goes to $260, I'm going to be selling 400 shares for $235 (I miss out on the other $25 x 400 = $10K). \--If the price of CRDO craters to $200, I'm going to be stuck with 400 shares. I can keep selling CCs on it, but if the strike price is below my entry point (reduced by the premiums I've gotten already) I could take a loss. \--If the price stays somewhere in the $210 to $250 range, I can keep selling calls and keep pocketing cash (which I use to buy VOO). My best case scenario is I get a few months out of it and then it gets called away, and I move on to another stock. My worst case is that the bubble pops and I'm holding an expensive stock that never recovers. My losses are mitigated by the premiums I got along the way, but that risk is the same as any long holdings.

MitchCurry

This is the only comment today talking about telling people to just buy VOO/SPY.

Grainger407

Do you have a normal investment account? I’d work on maxing the Roth by EOY and increasing contributions to the 401k (at minimum match the company match) And funnel a few bucks into the personal investment account and park it in FSKAX (or VOO) it’s a marginal difference in expense ratio…it’s just if you plan to switch brokerages you’d have to sell FSKAX where as with VOO you can just transfer it.

Finessence

Over 90% of my port is VOO so it’s probably going to go pretty similar to the market.

wild_b_cat

You are aware, I hope, that about a bajillion studies have demonstrated that it is actually quite difficult to beat the market, which is why the few people who consistently can get paid billions to do so. I'm just curious where that fits with your worldview. If someone can beat the market with a little effort, could they not, say, do that with someone else's money and take a fee? I would personally be willing to pay a premium for predictable over performance, and so would many others. You only give one example: >off the top of my head you could put 100% of your account in VOO. Then sell 1 naked call on SPCX strike 450. That’s a market return plus $100. ... are you assuming that call will never ever be exercised? In that case, who do you think is buying the call?

blorg

The actual directionality has been into Vanguard though. VOO only overtook SPY as the world's largest ETF 18 months ago. >Vanguard's S&P 500 ETF (VOO) has become the world's largest exchange-traded fund after $121.1 billion in inflows this past year, taking the top position from the SPDR S&P 500 ETF Trust (SPY), heralding a major shift in passive investing. >State Street's SPY, the oldest US ETF and an industry bellwether since its 1993 introduction, had steadily been losing market share to VOO over the past year, despite SPY's 17-year head start. https://finance.yahoo.com/news/voo-overtakes-spy-world-largest-193012109.html There has been a shift in general from mutual funds to ETFs. If someone decides they don't want to use Vanguard's janky brokerage interface and move their VOO holding somewhere else, Vanguard is still the custodian of the AUM.

Low_Plastic363

VOO is for when you have piled up enough cash that +14.3% puts a smile on your face. If your investable assets are less than two months of salary, gamble hard friends.

remilk123

VOO is for pussies. Get back in the casino, champ :pepetrump:

Low_Plastic363

Day after day I look at all my holdings, and read all these posts, and sit here coiled like a rattlesnake ready to strike. Every day I leave my money in VOO, two steady covered calls that print cash, and some foreign investments that crawl up 0.3% every week. There's no clear direction of traffic.

RIP_Soulja_Slim

VOO is a fund, the above is referencing ACATs in the retail channel. Vanguard doesn't publish this, it's from friends I know working within those project teams that are trying to solve for their ongoing issues here.

bartino84

I'm VOO and no chill because all I do is check spy all day

blorg

This fund was launched as a mutual fund, and still exists as such. Today's largest ETF, VOO, was later added as a share class of this fund, and is now the largest share class (being by itself over $1tn AUM). The first index ETF was SPY, [launched in 1993](https://www.cnbc.com/2023/01/23/the-first-etf-is-30-years-old-this-week-it-launched-a-revolution-in-low-cost-investing.html). VOO has since overtaken SPY as the largest ETF by AUM, although SPY has higher trading volume.

Dannyz

Source? This sounds like bullshit. For July 26, VOO had the most inflows of any us etc by far. Vanguard overall was second for fund flows. Source: https://www.etfaction.com/vanguard-leads-inflows-as-sp-500-etfs-gain-and-qqq-sheds-billions/

Grouchy-Tomorrow3429

Personally I’ve never been too concerned about that level of diversification. I think VOO is plenty diversified for her, and honestly too diversified for me. I only own 11 stocks and on purpose try to be not diversified so I can outperform VOO. RDDT is actually the biggest.

Emotional-Power-7242

About 3% of them, and they all work for Rennessance Technologies. Virtually everybody fails to beat VOO (or whatever their benchmark is) net fees.

One_More_Rep202

That makes sense. SCHD may behave differently in a downturn, but I’d still treat it as an equity tilt rather than the part of the portfolio specifically protecting your withdrawals. Once you have one consolidated view, include the individual stocks and look at the actual stock/bond/cash allocation across everything. That should make it much easier to see whether the overall portfolio matches the retirement plan before moving a large piece of VOO.

One_More_Rep202

That changes the picture quite a bit. Your 3.7% starting rate may give you some room, but I wouldn’t compare it directly with Bengen’s 4.37% unless you’re also using something close to the portfolio and withdrawal assumptions behind that number. His updated model uses a diversified 55% stock, 40% bond and 5% cash allocation with regular rebalancing, not an all-equity portfolio. The 15% in individual stocks may also be a bigger concentration risk than the difference between VOO and SCHD. Before moving a large part of VOO, I’d model the entire retirement portfolio including those stocks and see what actually funds your spending if equities fall early. SCHD may change the type of equity risk you hold, but it doesn’t remove sequence risk by itself.

hymie-the-robot

if you look at the Portfolio Backtester site, you can see what happened in 2022 (as a stress test) and over a longer time. SCHD indeed behaved pretty well in 2022, but VOO may do better overall. consider something like 80 SCHD 20 SPMO, which dials back the IT while maintaining a good return. it's worth spending some time to test different allocations at Portfolio Backtester. just remember this reflects the past and not the future. still, it's helpful to see how investments held up in 2022.

Sad-Teaching30

Given what you've said, it's probably safe to assume your mom is in her 60s if not older. VOO alone is too concentrated / aggressive for most older individuals. The S&P should just be a piece of your portfolio but never the full because it completely excludes medium/small cap / international stocks / bonds (depending on your timeframe)

Gold-Object3156

most people/advisors/managers will never beat the S&P, but for a good reason stocks are one of the more risky assets to own (because they can drop 20-50% in a year) so they generally have higher returns to compensate for the extra risk. most people (especially as you get older) are not 100% invested in stocks, they also own safer things like real estate and bonds to soften any drawdowns, but that also reduces return, so almost no regular diversified portfolio will beat the market you can definitely manage your own money by deploying 100% of it into VOO like r/Bogleheads would recommend, and avoid any advisor fee while getting a high return (albeit with more risk) that being said, most advisors are not any more beneficial than chatGPT at this point. they are salesmen who pitch obvious strategies anyone can look up on their own, but for a higher fee now there are good advisors, people who will plan your finances properly, not just "investment manager". this includes things like a will, setting up a trust for property and or children, and tax advantaged strategies (if/when you get there). true financial planning and requires consultations and planing towards goals, and at that point the fee may be more worth it again if you're just saving low single digit millions or less by retirement at a W2 job and not doing anything fancy, r/Bogleheads is must read information. anything more complex and you can start to entertain other options

Sharp-Investment9580

Reddit is full of the dunning kreuger effect. They know VOO goes up, so everyone should just VOO & chill and they heard financial advisors just pick high fee mutual funds that underperform for a 1% fee. Why would you hire an advisor if that’s what you believed? They don’t understand what a real financial planner does. But it’s cool, not really the target clientele anyways.

Sharp-Investment9580

1) this isn’t always true and 2) not everyone has the risk tolerance a you nor do they have the same time horizon for their goals. Would you tell a 70 year old living off their funds in retirement to throw all their money in VOO?

MrArepo

My whole portfolio is VOO, am I effed?

Trust_8067

Yeah, literally doubling the SP500. I'm not saying I'm smart or anything, just pointing out that it's very possible. Literally 80% of it is because I bought nVidia. The rest of it is because I bought all the other FAANGs, plus Seagate, sandisk, ARM, AEHR, PLTR, RGTI, and timing Take Two for the GTA6 release. I'm not an investment god or anything, I'm just investing in what I know which is tech, and riding the bubble. 15+ years ago, AMD was bouncing from 2 to 4 dollars, you could literally buy at 2, sell at 4, buy at 2, sell at 4. When it went past 8, I knew nVidia was far better so I bought them before the jump. Then I bought AMD too, just to see where it would take me. To say no one is beating VOO is ignorant. That's all I'm pointing out. Idiots like me get lucky all the time.

External-Ad4134

Also, might be a dumb question, but why does everyone here seem to like SPY more than VOO?

N0RMAL_WITH_A_JOB

Paying a cheesy place 1% a year without guaranteed results is plain naive. Anyone can read a basic book on investing and do just fine. Professional advisors do no better than the averaging VOO slug on his own.

sam99871

Sorry, my comment could have been more clearly stated. Here’s an example. If you look at the December 700 VOO put (110 dte), one contract would get you $1684 (according to Tastytrade’s theoretical value). One contract of the October 700 put (33 dte) gets you $701. You could sell three 33-day puts during that 110-day period and net approximately 3 x 701 =2,103 (with 11 days left over).

sadscully

oh meow VOO looking horrible

Mysterious_Yoghurt58

If your sum is large enough to buy a few hundred shares of QQQ/SPY/VOO/IWM, selling CSPs and CCs is an easy way to bank off the premiums.

LaconicB

Too good to be true? It’s all about picking the right tickers with this strategy. I’ll give you the stats for you to decide if it’s too good to be true with the choices you want to go with.  The best put strategy in the last year with VOO was the -.50 delta put with 60dte. The strategy return was +25.5% versus VOO return of +40.6%. VOO drawdown -18.5% versus put strategy at -2.5%.  The best put strategy for QQQM in the last year was -.35 delta with 30dte. The strategy had a return of +28.9% versus QQQM return of +53.3%. QQQM drawdown -22.6% versus put strategy at -15.2%.  If you pick a better ticker to go with, results can be much better. For an example, GME had a return of -10.2% but a put strategy of -.50 delta with 60dte had a return of +88.1%. GME drawdown -49% versus put strategy at -18%. 

Difficult-Building32

Honestly, don't enter the market with options. Buy some ETFs... to hold your money while you figure it out. Buy VOO outright... let it make you a little money... when you think you have found a stock you love, liquidate enough VOO to sell a CSP. dip your toes... trade on paper... feel this out...

Superunknown999

It’s not about beating the market. For some people it’s simply capital preservation with limited downside and capped upside. For instance, VOO is $707. Let’s say you can’t stomach or can’t afford to see it drop below $640 (9.5%) by the end of 2028. Well you can pay roughly $40 per share to buy a put option to guarantee you won’t have to own it below $640. To offset that cost you can sell a $855 (21% upside) call for the same $40 per share. This gives you protection where you will own VOO if it remains between $640 and $855. So you cap your upside to 21% in exchange for limiting your downside to 9.5%. Not everyone needs this but for some it’s a good strategy and one a FA can help execute and manage. In this scenario you aren’t trying to beat the market. You’re managing risk because you might have thresholds where withdrawals get too painful or any variety of other reasons.

Grouchy-Tomorrow3429

I think that’s the thing that people like me don’t understand. People like me think you can just put the whole thing in VOO and average 10% over a year or 300% over 15 years and don’t worry about anything and don’t pay any fees. But people that don’t invest or are afraid to invest, I guess the danger of not having a financial advisor is they end up keeping it in a savings account and getting one percent per year. So well, we think the alternative is putting it in VOON saving that one percent, in reality the alternative is losing to inflation.

Sensitive-Exam649

My advice to you is don't do options until you have several years of investing knowledge and better understand the risks. Yes you can make income from options but if you do it wrong you could loose a lot of money. You might be better off with fund like SPYI. it invests in the same index as VOO but sells covered calls to cover the price gain into dividned income. They have a professional staff that can do option correctly with little risk to yourself. SPYI has a 12% yield and its dividned income will not be taxed for about 10 years. And they manage to also keep you taxes very low. You will likely pay close to zero tax on the earnings from SPYI for about 9 years. After that the taxes will go up but will still be very well. And using CahatGPT can be risky because tends to make mistakes or will bias its sewer to what you want to hear.

Shoganai_Hito

VOO

eltoddro

Most folks think they can handle the volatility of %100 VOO until the volatility hits.

jarMburger

I was going to suggest the short put strategy for entering the market as a way to mitigate some of the concern about buying near ATH. But don’t do it if you aren’t familiar with options and absolutely don’t trade with lower liquidity underlying like VOO, SPY is better with less slippage.

thegreatking2025

I was beating VOO until I wasn't. My investment is basically flat for last 2 years, and S&P has gone up.

ShadowverseMatt

Except the funny thing is there is very little evidence target date funds actually do what they’re designed to do (and a lot of outcomes where they have done much worse) since bond funds suck ass and don’t provide the same protection from volatility that holding bonds for coupon payments to expiry do. Target retirement date funds are better than nothing but much, much worse than even paying the extra 1% to have a professional make a simple bond ladder and putting the rest in VOO.

DeerHunter4Life14

BS... Goldman Sachs S&P Competitive Advantage and Kensington Dynamic Growth SMAs do so consistently. GS beats S&P by 3% per year on average with less risk over the last 15 years. You'd never know this because VOO is all you do.

IllllIIlIllIllllIlll

Moving the goalposts I see. Yes I beat it by more than 1% per year. I'm not a financial advisor, but I don't see how that's relevant the point that it's actually possible to beat VOO consistently.

EvenAd4361

At your wise young age I'd take some advice from one of the best investors to have ever lived. Warren Buffet. He'd say, invest your funds in Vanguard S&P 500 (VOO) long term. Super low fees.

Due_Contact_8271

If you think Goldman or any of the “big names” have a crystal ball then you should to be forced to VOO and chill because you’re dumber than you look

Trust_8067

It's not a financial advisors job to pick stocks for you. They exist to help you understand different types of investments and to make sure your money is invested correctly based on the amount of risk you're willing to take. It's not the safest plan to invest all your money in the stock market and VOO is very tech industry heavy so if there's a major bubble, you'd lose more money than if it were better diversified. At your age though, it's easily worth the risk, and they'll probably tell you that. The average middle class investor doesn't need a financial advisor, but as you generate more wealth you might.

Trust_8067

I've consistently doubled VOO over the past 15 years.

austinvvs

Ive outperformed VOO by a significant margin buying nothing but funds. FSELX, FSSNX, FSMDX and international exposure alongside the S&P was all I had to do and I didn’t have to pay anyone. More than doubled my money in 4 years. Just buying and holding. A wide margin of people buying VOO don’t try to time the market so I’m not sure where you’re pulling that assertion from. You shouldnt be investing money that you arent willing to lose or sit on for a significant length of time. What exactly makes the downturns less painful with an FA? You have no control over the market either way. Refusing to accept that cannot be fixed by someone making devisions for you. That is internal emotion, and to be quite honest, weakness. Most FAs exist because of a gap in financial literacy in my opinion. The system purposefully keeps people illiterate to keep them poor and dependent. A good tax attorney or financial planner is necessary for a multi millionaire looking to be completely hands off or navigate taxes but I fail to see how it’s helpful for the average middle class investor. Since you seem to be an expert on financial planning explain what they would do for an average person that they couldn’t do themselves?

SugarAdamAli

Horrible take, and you have no understanding of what a true financial planner does. People think “advisors are pointless, just buy VOO” but then market tanks and they sell at the bottom. Literally very few people know or understand their risk tolerance, and even fewer can handle the downturns. And most don’t know anything about tax planning and estate planning, etc.

chird_

VOO and chill is for the weak

Bob_the_peasant

I think I’m gonna block most of the other investing subreddits. The posts that get into my feed are always the same shit every day. “VOO and chill” “Proof you can’t time the market” “Why DCAing outperforms everything always no matter what I’m not crying you’re crying” And then the comments are just people being like “Yep. Never sell ever, no matter what. Even if you need the money or are retired. Never ever sell. It would make *taxes*.” At least we discuss real current crap going on here, even if we are degenerates

Superunknown999

Not scam artists. But potentially not everyone needs them. But every situation is unique. Buying VOO and chilling is great for a long time but eventually you might reach a point where you can’t afford or stomach a 50% market correction. You may want professional help to hedge against that; limits your upside but also protects the downside. Or you might be in a situation where you’ve saved up a bunch and want advice around tax strategies and withdrawal planning in retirement. A good financial advisor can do a lot more than just tell you to buy Apple and take 1%.

DSCN__034

I appreciate the sentiment about the cost of financial planners and the lack of fiduciary status, however, "100% VOO" may not be an appropriate allocation for your mom depending on her age, assets, and life situation. When in doubt use a target date fund, which might be more appropriate.

DriverOk7676

Currently VOO & VGT and chill, im in this subreddit to see the chaos and destruction 😂

BusinessBull

So you agree that the statement that "no one beats VOO" Is patently false. Yes?

BusinessBull

OP said "no one" is beating VOO. That statement equates to 100% failure rate by all investors to beating VOO. Then you, citing no sources, openly admit that 5% of JUST institutional investors beat the VOO. So....yeah.... The numbers agree with me more than the OP. and the best part is thy YOU made the argument for me. 😂

JuneFernan

Switching my 75% VGT portfolio over to VOO in early 2030 then. Thanks for the heads up!